ScoreWhy is The Bank of Saga Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.10%
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.74% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 25.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.74% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 25.20%
4
Positive results in Jun 26
- ROCE(HY) Highest at 0.31%
- NET SALES(Q) Highest at JPY 11,005 MM
- PRE-TAX PROFIT(Q) At JPY 3,999 MM has Grown at 153.74%
5
With ROA of 0.23%, it has a very attractive valuation with a 0.74 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 122.10%, its profits have risen by 21% ; the PEG ratio of the company is 0.6
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to The Bank of Saga Ltd. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.40%
EBIT Growth (5y)
27.56%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
21.65%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.74
EV to EBIT
-6.24
EV to EBITDA
-5.51
EV to Capital Employed
2.18
EV to Sales
-1.82
PEG Ratio
0.56
Dividend Yield
NA
ROCE (Latest)
-34.96%
ROE (Latest)
6.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at 0.31%
NET SALES(Q)
Highest at JPY 11,005 MM
PRE-TAX PROFIT(Q)
At JPY 3,999 MM has Grown at 153.74%
NII(Q)
Highest at JPY 8,481 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 79.23%
NET PROFIT(Q)
At JPY 2,909 MM has Grown at 126.34%
-6What is not working for the Company
INTEREST(9M)
At JPY 6,651 MM has Grown at 72.48%
ROCE(HY)
Lowest at 0.31%
Here's what is working for The Bank of Saga Ltd.
Net Sales
Highest at JPY 11,005 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Pre-Tax Profit
At JPY 3,999 MM has Grown at 153.74%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
NII
Highest at JPY 8,481 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
At JPY 11,005 MM has Grown at 21.44%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
At JPY 2,909 MM has Grown at 126.34%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Credit Deposit Ratio
Highest at 79.23%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Depreciation
Highest at JPY 456 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for The Bank of Saga Ltd.
Interest
At JPY 6,651 MM has Grown at 72.48%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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