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
Flat results in Dec 25
- INTEREST(9M) At JPY 9,780 MM has Grown at 251.04%
- NET PROFIT(HY) At JPY 6,459.01 MM has Grown at -33.03%
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 56.54%, its profits have risen by 13% ; the PEG ratio of the company is 0.5
5
Market Beating performance in long term as well as near term
- Along with generating 56.54% 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 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.
56.54%
2.87
37.20%
Japan Nikkei 225
36.73%
1.30
28.24%
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
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 Bearish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING PROFIT(Q)
Highest at JPY 8,032 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.55 %
PRE-TAX PROFIT(Q)
Highest at JPY 8,462 MM
NET PROFIT(Q)
Highest at JPY 6,024.73 MM
EPS(Q)
Highest at JPY 30.7
-6What is not working for the Company
INTEREST(9M)
At JPY 9,780 MM has Grown at 251.04%
NET PROFIT(HY)
At JPY 6,459.01 MM has Grown at -33.03%
Here's what is working for TOMONY Holdings, Inc.
Operating Profit
Highest at JPY 8,032 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 41.55 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 8,462 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 8,462 MM has Grown at 64.07%
over average net sales of the previous four periods of JPY 5,157.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 6,024.73 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 6,024.73 MM has Grown at 84.65%
over average net sales of the previous four periods of JPY 3,262.75 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 30.7
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for TOMONY Holdings, Inc.
Interest
At JPY 9,780 MM has Grown at 251.04%
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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