ScoreWhy is The Bank of Saga Ltd. ?
1
Positive results in Jun 25
- NII(Q) Highest at JPY 7,398 MM
- NET SALES(Q) Highest at JPY 9,062 MM
2
With ROA of 0.23%, it has a very attractive valuation with a 0.32 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 66.59%, its profits have risen by 21% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 0
3
Market Beating performance in long term as well as near term
- Along with generating 66.59% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- 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)
27.40%
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
20.25%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.32
EV to EBIT
-20.86
EV to EBITDA
-18.39
EV to Capital Employed
1.68
EV to Sales
-6.05
PEG Ratio
0.23
Dividend Yield
0.02%
ROCE (Latest)
-8.07%
ROE (Latest)
6.44%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
NII(Q)
Highest at JPY 7,398 MM
NET SALES(Q)
Highest at JPY 9,062 MM
-12What is not working for the Company
INTEREST(9M)
At JPY 3,856 MM has Grown at 67.58%
PRE-TAX PROFIT(Q)
At JPY 1,576 MM has Fallen at -55.09%
NET PROFIT(Q)
Fallen at -48.22%
EPS(Q)
Lowest at JPY 73.09
Here's what is working for The Bank of Saga Ltd.
NII
Highest at JPY 7,398 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 9,062 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 341 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 3,856 MM has Grown at 67.58%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY 1,576 MM has Fallen at -55.09%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
Lowest at JPY 1,576 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 1,285.26 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Net Profit
Fallen at -48.22%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 73.09
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
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