ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Yamaguchi Financial Group, Inc. ?
1
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 Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 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
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 6.80%
3
Flat results in Mar 26
- INTEREST(9M) At JPY 30,478 MM has Grown at 6.45%
- PRE-TAX PROFIT(Q) Lowest at JPY 7,536 MM
- OPERATING PROFIT(Q) Lowest at JPY -5,369 MM
4
With ROA of 0.26%, it has a very attractive valuation with a 0.87 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 91.07%, its profits have risen by 40% ; the PEG ratio of the company is 0.4
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.
87.5%
766.63
33.05%
Japan Nikkei 225
88.41%
3.25
27.24%
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
36.33%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
0.87
EV to EBIT
3.48
EV to EBITDA
3.15
EV to Capital Employed
0.66
EV to Sales
1.10
PEG Ratio
0.42
Dividend Yield
NA
ROCE (Latest)
18.87%
ROE (Latest)
5.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at JPY 43,605 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 47,243 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 156.29%
-15What is not working for the Company
INTEREST(9M)
At JPY 30,478 MM has Grown at 6.45%
PRE-TAX PROFIT(Q)
Lowest at JPY 7,536 MM
OPERATING PROFIT(Q)
Lowest at JPY -5,369 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -11.36 %
NET PROFIT(Q)
Lowest at JPY 4,720.58 MM
EPS(Q)
Lowest at JPY 20.47
Here's what is working for Yamaguchi Financial Group, Inc.
NII
Highest at JPY 43,605 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at JPY 47,243 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Net Sales
At JPY 47,243 MM has Grown at 15.09%
over average net sales of the previous four periods of JPY 41,049 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Dividend Payout Ratio
Highest at 156.29%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Depreciation
Highest at JPY 1,315 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Yamaguchi Financial Group, Inc.
Pre-Tax Profit
Lowest at JPY 7,536 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 7,536 MM has Fallen at -41.23%
over average net sales of the previous four periods of JPY 12,823.25 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (JPY MM)
Net Profit
At JPY 4,720.58 MM has Fallen at -49.26%
over average net sales of the previous four periods of JPY 9,302.91 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Interest
At JPY 30,478 MM has Grown at 6.45%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -5,369 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -11.36 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Net Profit
Lowest at JPY 4,720.58 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 20.47
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Non Operating Income
Highest at JPY 1.93 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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