ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Kiyo Bank, Ltd. ?
1
With a growth in Operating Profit of 13.26%, the company declared Very Positive results in Dec 25
- ROCE(HY) Highest at 0.36%
- NII(Q) Highest at JPY 15,183 MM
- NET SALES(Q) Highest at JPY 18,999 MM
2
With ROA of 0.29%, it has a very attractive valuation with a 0.73 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 60.70%, its profits have risen by 17% ; the PEG ratio of the company is 0.6
- 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 60.70% 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 Kiyo Bank, 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)
4.10%
EBIT Growth (5y)
1.99%
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
40.36%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.73
EV to EBIT
11.69
EV to EBITDA
10.12
EV to Capital Employed
0.79
EV to Sales
4.10
PEG Ratio
0.56
Dividend Yield
0.00%
ROCE (Latest)
6.76%
ROE (Latest)
7.49%
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 Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
ROCE(HY)
Highest at 0.36%
NII(Q)
Highest at JPY 15,183 MM
NET SALES(Q)
Highest at JPY 18,999 MM
OPERATING PROFIT(Q)
Highest at JPY 7,546 MM
PRE-TAX PROFIT(Q)
Highest at JPY 9,003 MM
NET PROFIT(Q)
Highest at JPY 6,407.01 MM
EPS(Q)
Highest at JPY 99.21
-6What is not working for the Company
INTEREST(9M)
At JPY 10,826 MM has Grown at 90.93%
ROCE(HY)
Lowest at 0.36%
Here's what is working for The Kiyo Bank, Ltd.
NII
Highest at JPY 15,183 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 18,999 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 18,999 MM has Grown at 13.78%
over average net sales of the previous four periods of JPY 16,698 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 7,546 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 9,003 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 6,407.01 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 99.21
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for The Kiyo Bank, Ltd.
Interest
At JPY 10,826 MM has Grown at 90.93%
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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