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The Naganobank, Ltd. (8521.T)
Key financial summary
Financials in JPY| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total net revenue | ¥bn | 20 | 21 | 19 | 21 | 20 | 18 | 18 |
| Operating profit | ¥bn | 2 | 1 | |||||
| Net profit | ¥bn | 2 | 2 | 1 | 1 | 1 | 1 | 1 |
| EPS reported | ¥ | 146.1 | 76.64 | |||||
| Operating cashflow per share | ¥ | 11,079 | 11,079 | |||||
| Capex per share | ¥ | 31.33 | 31.33 | |||||
| FCF per share | ¥ | 11,047 | 11,047 | |||||
| Free cash flow | ¥bn | 100 | 51 | |||||
| Net debt | ¥bn | -63 | -72 | |||||
| Book value equity | ¥bn | 50 | 40 | |||||
| Book value per share | ¥ | 5,426 | 4,392 | |||||
| Number of shares | m | 9.15 | 9.03 | |||||
| DPS (TTM paid) | ¥ | 50.00 | 50.00 |
Financial summary
Financials in JPY| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 8.74 | - | |||||
| P/B LTM | x | 0.23 | 0.35 | |||||
| P/S LTM | x | 0.64 | 0.76 | |||||
| P/FCF LTM | x | 0.12 | 0.27 | |||||
| EV/EBITDA LTM | x | -19.34 | -50.43 | |||||
| EV/Sales LTM | x | -2.84 | -3.17 | |||||
| Earnings Yield LTM | % | 11.44% | 9.59% | |||||
| FCF Yield | % | 865.10% | 364.48% | |||||
| Quality | ||||||||
| ROE | % | 2.69% | 2.57% | |||||
| ROIC | % | 0.12% | 0.12% | |||||
| Operating margin | % | 11.48% | 11.48% | |||||
| Gross margin | % | 100.00% | 100.00% | |||||
| FCF/Sales | % | 550.87% | 550.87% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +29.50% | -57.06% | |||||
| Sales Growth YoY | % | -9.73% | -3.94% | |||||
| Net Income Growth YoY | % | +12.46% | -57.42% | |||||
| FCF Growth | % | +6848.4% | +92.18% | |||||
| Operating Profit Growth | % | +19.90% | -54.61% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 3.94% | 3.24% | |||||
| Dividend Growth | % | 0.00% | - | |||||
| Payout Ratio | % | 33.98% | 33.98% | |||||
| FCF/Debt | x | 0.76 | 11.50 | |||||
| Net Debt/EBITDA | x | -23.68 | -23.68 | |||||
| EBIT/Net interest | x | 11.55 | 11.55 | |||||
| Net debt/market cap | % | -545.89% | -516.72% | |||||
| Net debt/Equity | x | -1.27 | -1.82 | |||||
| Gross debt/equity | x | 2.64 | 0.11 | |||||
Company overview
The Naganobank, Ltd. offers a comprehensive array of banking and financial services to both individual consumers and corporate clients throughout Japan. Its operations are structured into two distinct divisions: Banking and Leasing. The institution provides a diverse selection of deposit accounts, encompassing checking, ordinary, savings, settlement, notification, fixed-term, separate, and transferable time deposits. It also extends various credit facilities, such as standard loans, certificate-backed lending, overdrafts, and bill discounting, alongside specialized financial support for small and medium-sized enterprises (SMEs), sole proprietorships, and the agricultural sector. Beyond traditional deposits and lending, Naganobank is active in the public bond market, engaging in investments across government, municipal, and corporate debt instruments, as well as equities and other securities. It also undertakes the issuance of private placement bonds. The bank facilitates various transactional needs, including remittance exchange, money transfers, and payment collection. Its international offerings span export and import services, foreign remittances, and other foreign exchange operations. Additionally, Naganobank provides credit card solutions and credit guarantee services. It manages the entrustment and registration of public and corporate bonds and acts as an agent for the sale of both non-life and life insurance products. Established in 1950, The Naganobank, Ltd. maintains its headquarters in Matsumoto, Japan. As of March 31, 2021, its extensive branch network included 52 locations across Nagano Prefecture and one branch situated in Tokyo.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
The Naganobank, Ltd. (8521.T)
The Naganobank, Ltd. offers a comprehensive array of banking and financial services to both individual consumers and corporate clients throughout Japan. Its operations are structured into two distinct divisions: Banking and Leasing. The institution provides a diverse selection of deposit accounts, encompassing checking, ordinary, savings, settlement, notification, fixed-term, separate, and transferable time deposits. It also extends various credit facilities, such as standard loans, certificate-backed lending, overdrafts, and bill discounting, alongside specialized financial support for small and medium-sized enterprises (SMEs), sole proprietorships, and the agricultural sector. Beyond traditional deposits and lending, Naganobank is active in the public bond market, engaging in investments across government, municipal, and corporate debt instruments, as well as equities and other securities. It also undertakes the issuance of private placement bonds. The bank facilitates various transactional needs, including remittance exchange, money transfers, and payment collection. Its international offerings span export and import services, foreign remittances, and other foreign exchange operations. Additionally, Naganobank provides credit card solutions and credit guarantee services. It manages the entrustment and registration of public and corporate bonds and acts as an agent for the sale of both non-life and life insurance products. Established in 1950, The Naganobank, Ltd. maintains its headquarters in Matsumoto, Japan. As of March 31, 2021, its extensive branch network included 52 locations across Nagano Prefecture and one branch situated in Tokyo.
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