ScoreComparison
Why is The Howa Bank Ltd. ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you sell?
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No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.80%
EBIT Growth (5y)
32.12%
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
9.37%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
3
Industry P/E
Price to Book Value
0.08
EV to EBIT
-5.33
EV to EBITDA
-3.91
EV to Capital Employed
-0.21
EV to Sales
-0.64
PEG Ratio
0.15
Dividend Yield
0.10%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NII(Q)
Highest at JPY 2,167 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 76.72%
NET SALES(Q)
Highest at JPY 2,452 MM
-24What is not working for the Company
INTEREST(9M)
At JPY 789 MM has Grown at 275.71%
PRE-TAX PROFIT(Q)
At JPY -108 MM has Fallen at -122.78%
OPERATING PROFIT(Q)
Lowest at JPY 264 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 10.77 %
CASH AND EQV(HY)
Lowest at JPY 83,171 MM
NET PROFIT(Q)
Lowest at JPY -177 MM
Here's what is working for The Howa Bank Ltd.
NII
Highest at JPY 2,167 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 2,452 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 76.72%
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 (%)
Here's what is not working for The Howa Bank Ltd.
Interest
At JPY 789 MM has Grown at 275.71%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY -108 MM has Fallen at -122.78%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY -177 MM has Fallen at -140.56%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit
Lowest at JPY 264 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 10.77 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Net Profit
Lowest at JPY -177 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Cash and Eqv
Lowest at JPY 83,171 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 3.45 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
Capital Adequacy Ratio
Lowest at 8.41%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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