ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Hyakujushi Bank, Ltd. ?
1
- NET PROFIT(HY) At JPY 8,694.4 MM has Grown at 58.15%
- ROCE(HY) Highest at 0.29%
- NII(Q) Highest at JPY 13,526 MM
2
With ROA of 0.24%, it has a very attractive valuation with a 0.35 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 125.57%, its profits have risen by 42% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 0
3
Consistent Returns over the last 3 years
- Along with generating 125.57% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to The Hyakujushi Bank, Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is The Hyakujushi Bank, Ltd. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
The Hyakujushi Bank, Ltd.
127.1%
3.65
42.55%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.60%
EBIT Growth (5y)
1.08%
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
30.13%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.35
EV to EBIT
-15.53
EV to EBITDA
-12.03
EV to Capital Employed
-2.69
EV to Sales
-2.80
PEG Ratio
0.19
Dividend Yield
0.01%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NET PROFIT(HY)
At JPY 8,694.4 MM has Grown at 58.15%
ROCE(HY)
Highest at 0.29%
NII(Q)
Highest at JPY 13,526 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 76.11%
NET SALES(Q)
Highest at JPY 17,800 MM
PRE-TAX PROFIT(Q)
Highest at JPY 7,564 MM
-5What is not working for the Company
INTEREST(9M)
At JPY 12,367 MM has Grown at 14.97%
ROCE(HY)
Lowest at 0.29%
Here's what is working for The Hyakujushi Bank, Ltd.
NII
Highest at JPY 13,526 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Profit
At JPY 8,694.4 MM has Grown at 58.15%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 17,800 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 17,800 MM has Grown at 17.17%
over average net sales of the previous four periods of JPY 15,191.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 7,564 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Credit Deposit Ratio
Highest at 76.11%
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 (%)
CASA
Highest at 9.43%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for The Hyakujushi Bank, Ltd.
Interest
At JPY 12,367 MM has Grown at 14.97%
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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