Bank of Innovation,Inc. Fundamental Analysis (JPX: 4393.T)
Bank of Innovation,Inc. Fundamental Analysis (JPX: 4393.T)
Bank of Innovation,Inc. (JPX: 4393.T) shows moderate financial fundamentals with a PE ratio of 14.84, profit margin of 12.55%, and ROE of 23.76%. The company generates $12.0B in annual revenue with weak year-over-year growth of -9.17%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 65.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze 4393.T's fundamental strength across five key dimensions:
Efficiency Score
Excellent4393.T demonstrates superior asset utilization.
Valuation Score
Excellent4393.T trades at attractive valuation levels.
Growth Score
Moderate4393.T shows steady but slowing expansion.
Financial Health Score
Excellent4393.T maintains a strong and stable balance sheet.
Profitability Score
Moderate4393.T maintains healthy but balanced margins.
Key Financial Metrics
Is 4393.T Expensive or Cheap?
P/E Ratio
4393.T trades at 14.84 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 4393.T's PEG of 0.21 indicates potential undervaluation.
Price to Book
The market values Bank of Innovation,Inc. at 3.28 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 12.10 times EBITDA. This signals the market has high growth expectations.
How Well Does 4393.T Make Money?
Net Profit Margin
For every $100 in sales, Bank of Innovation,Inc. keeps $12.55 as profit after all expenses.
Operating Margin
Core operations generate 17.15 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $23.76 in profit for every $100 of shareholder equity.
ROA
Bank of Innovation,Inc. generates $18.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bank of Innovation,Inc. produces operating cash flow of $2.87B, showing steady but balanced cash generation.
Free Cash Flow
Bank of Innovation,Inc. generates strong free cash flow of $2.83B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $712.59 in free cash annually.
FCF Yield
4393.T converts 12.63% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.84
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.21
vs 25 benchmark
P/B Ratio
Price to book value ratio
3.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.32
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.24
vs 25 benchmark
ROA
Return on assets percentage
0.18
vs 25 benchmark
ROCE
Return on capital employed
0.30
vs 25 benchmark
How 4393.T Stacks Against Its Sector Peers
| Metric | 4393.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.84 | 35.30 | Better (Cheaper) |
| ROE | 23.76% | 752.00% | Weak |
| Net Margin | 12.55% | -2918.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 0.60 | Strong (Low Leverage) |
| Current Ratio | 5.32 | 6.15 | Strong Liquidity |
| ROA | 18.24% | 323.00% | Weak |
4393.T outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bank of Innovation,Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
291.98%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
1857.87%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
1228.44%
Industry Style: Growth, Innovation, High Beta
High Growth