SBI Sumishin Net Bank, Ltd. Fundamental Analysis (JPX: 7163.T)
SBI Sumishin Net Bank, Ltd. Fundamental Analysis (JPX: 7163.T)
SBI Sumishin Net Bank, Ltd. (JPX: 7163.T) shows moderate financial fundamentals with a PE ratio of 26.13, profit margin of 22.51%, and ROE of 17.49%. The company generates $125.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 60.3/100 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 7163.T's fundamental strength across five key dimensions:
Efficiency Score
Weak7163.T struggles to generate sufficient returns from assets.
Valuation Score
Weak7163.T trades at a premium to fair value.
Growth Score
Moderate7163.T shows steady but slowing expansion.
Financial Health Score
Weak7163.T carries high financial risk with limited liquidity.
Profitability Score
Excellent7163.T achieves industry-leading margins.
Key Financial Metrics
Is 7163.T Expensive or Cheap?
P/E Ratio
7163.T trades at 26.13 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, 7163.T's PEG of 2.11 indicates potential overvaluation.
Price to Book
The market values SBI Sumishin Net Bank, Ltd. at 4.33 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 23.11 times EBITDA. This signals the market has high growth expectations.
How Well Does 7163.T Make Money?
Net Profit Margin
For every $100 in sales, SBI Sumishin Net Bank, Ltd. keeps $22.51 as profit after all expenses.
Operating Margin
Core operations generate 30.51 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.49 in profit for every $100 of shareholder equity.
ROA
SBI Sumishin Net Bank, Ltd. generates $0.25 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
SBI Sumishin Net Bank, Ltd. generates strong operating cash flow of $107.98B, reflecting robust business health.
Free Cash Flow
SBI Sumishin Net Bank, Ltd. generates strong free cash flow of $106.42B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $705.81 in free cash annually.
FCF Yield
7163.T converts 14.48% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
26.13
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
2.11
vs 25 benchmark
P/B Ratio
Price to book value ratio
4.33
vs 25 benchmark
P/S Ratio
Price to sales ratio
5.88
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
6.79
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.003
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How 7163.T Stacks Against Its Sector Peers
| Metric | 7163.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 26.13 | 20.35 | Worse (Expensive) |
| ROE | 17.49% | 636.00% | Weak |
| Net Margin | 22.51% | -578.00% (disorted) | Strong |
| Debt/Equity | 6.79 | 0.84 | Weak (High Leverage) |
| Current Ratio | 0.15 | 818.18 | Weak Liquidity |
| ROA | 0.25% | 59.00% | Weak |
7163.T outperforms its industry in 1 out of 6 key metrics, particularly excelling in Net Margin, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews SBI Sumishin Net Bank, Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical