ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Yamaguchi Financial Group, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.09%
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.23% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 6.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.23% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.09% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 6.80%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- NET SALES(Q) Highest at JPY 51,826 MM
- OPERATING PROFIT(Q) Highest at JPY 11,278 MM
- PRE-TAX PROFIT(Q) Highest at JPY 19,927 MM
5
With ROA of 0.26%, it has a expensive valuation with a 1.01 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 95.35%, its profits have risen by 40% ; the PEG ratio of the company is 0.5
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Yamaguchi Financial Group, 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 Yamaguchi Financial Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Yamaguchi Financial Group, Inc.
95.35%
843.30
35.57%
Japan Nikkei 225
43.52%
1.48
29.43%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.70%
EBIT Growth (5y)
9.33%
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
40.71%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
1.01
EV to EBIT
5.43
EV to EBITDA
4.92
EV to Capital Employed
1.02
EV to Sales
1.72
PEG Ratio
0.48
Dividend Yield
NA
ROCE (Latest)
18.87%
ROE (Latest)
5.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NET SALES(Q)
Highest at JPY 51,826 MM
OPERATING PROFIT(Q)
Highest at JPY 11,278 MM
PRE-TAX PROFIT(Q)
Highest at JPY 19,927 MM
NET PROFIT(Q)
Highest at JPY 14,149 MM
EPS(Q)
Highest at JPY 69.47
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Yamaguchi Financial Group, Inc.
Net Sales
Highest at JPY 51,826 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 51,826 MM has Grown at 18.87%
over average net sales of the previous four periods of JPY 43,598.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 11,278 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 19,927 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 19,927 MM has Grown at 77.2%
over average net sales of the previous four periods of JPY 11,245.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 14,149 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 14,149 MM has Grown at 78.73%
over average net sales of the previous four periods of JPY 7,916.29 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 69.47
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
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