ScoreComparison
Why is The Howa Bank Ltd. ?
Unrated Stock - No Analysis Available
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
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When to re-enter? - We will constantly monitor the company and review our call based on new data
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
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NII(Q)
Highest at JPY 2,113 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 76.2%
NET SALES(Q)
Highest at JPY 2,354 MM
-21What is not working for the Company
INTEREST(9M)
At JPY 496 MM has Grown at 853.85%
NET PROFIT(HY)
At JPY -44.07 MM has Grown at -109.62%
PRE-TAX PROFIT(Q)
At JPY 115 MM has Fallen at -76.48%
CASH AND EQV(HY)
Lowest at JPY 66,761 MM
OPERATING PROFIT(Q)
Lowest at JPY 357 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 15.17 %
Here's what is working for The Howa Bank Ltd.
NII
Highest at JPY 2,113 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 2,354 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 76.2%
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 496 MM has Grown at 853.85%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
At JPY 115 MM has Fallen at -76.48%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 69.93 MM has Fallen at -85.46%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit
Lowest at JPY 357 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 15.17 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 66,761 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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