ScoreWhy is TOMONY Holdings, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.04% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.04% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.22% signifying low profitability per unit of total assets
2
Healthy long term growth as Net profit has grown by an annual rate of 14.20%
3
Negative results in Jun 25
- INTEREST(9M) At JPY 5,925 MM has Grown at 356.47%
- NII(Q) Lowest at JPY 15,673 MM
4
With ROA of 0.31%, it has a very attractive valuation with a 0.37 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 63.66%, its profits have risen by 13% ; the PEG ratio of the company is 0.5
5
Market Beating Performance
- The stock has generated a return of 63.66% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 28.54%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to TOMONY Holdings, Inc. 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
Is TOMONY Holdings, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
TOMONY Holdings, Inc.
63.66%
2.29
35.29%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.10%
EBIT Growth (5y)
23.74%
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
20.04%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
0.37
EV to EBIT
-12.51
EV to EBITDA
-11.24
EV to Capital Employed
3.62
EV to Sales
-3.41
PEG Ratio
0.51
Dividend Yield
NA
ROCE (Latest)
-28.94%
ROE (Latest)
5.62%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly 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 Trend2What is working for the Company
OPERATING PROFIT(Q)
Highest at JPY 7,394 MM
OPERATING PROFIT MARGIN(Q)
Highest at 39.92 %
-6What is not working for the Company
INTEREST(9M)
At JPY 5,925 MM has Grown at 356.47%
NII(Q)
Lowest at JPY 15,673 MM
Here's what is working for TOMONY Holdings, Inc.
Operating Profit
Highest at JPY 7,394 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 39.92 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
CASA
Highest at 9.54%
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 TOMONY Holdings, Inc.
Interest
At JPY 5,925 MM has Grown at 356.47%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
NII
Lowest at JPY 15,673 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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