Suruga Bank Ltd. Fundamental Analysis (JPX: 8358.T)
Suruga Bank Ltd. (JPX: 8358.T) shows strong financial fundamentals with a PE ratio of 11.72, profit margin of 41.86%, and ROE of 13.74%. The company generates $103.7B in annual revenue with moderate year-over-year growth of 8.82%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 67.3/100 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 8358.T's fundamental strength across five key dimensions:
Efficiency Score
Weak8358.T struggles to generate sufficient returns from assets.
Valuation Score
Excellent8358.T trades at attractive valuation levels.
Growth Score
Excellent8358.T delivers strong and consistent growth momentum.
Financial Health Score
Excellent8358.T maintains a strong and stable balance sheet.
Profitability Score
Weak8358.T struggles to sustain strong margins.
Key Financial Metrics
Is 8358.T Expensive or Cheap?
P/E Ratio
8358.T trades at 11.72 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 8358.T's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values Suruga Bank Ltd. at 1.52 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 19.17 times EBITDA. This signals the market has high growth expectations.
How Well Does 8358.T Make Money?
Net Profit Margin
For every $100 in sales, Suruga Bank Ltd. keeps $41.86 as profit after all expenses.
Operating Margin
Core operations generate 47.40 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.74 in profit for every $100 of shareholder equity.
ROA
Suruga Bank Ltd. generates $1.22 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Suruga Bank Ltd. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Suruga Bank Ltd. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
8358.T converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
11.72
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.52
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.85
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.03
vs 25 benchmark
Current Ratio
Current assets to current liabilities
89.64
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How 8358.T Stacks Against Its Sector Peers
| Metric | 8358.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 11.72 | 21.08 | Better (Cheaper) |
| ROE | 13.74% | 658.00% | Weak |
| Net Margin | 41.86% | -1621.00% (disorted) | Strong |
| Debt/Equity | 0.03 | 0.92 | Strong (Low Leverage) |
| Current Ratio | 89.64 | 927.71 | Strong Liquidity |
| ROA | 1.22% | -588.00% (disorted) | Weak |
8358.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 Suruga Bank Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
2.21%
Industry Style: Value, Dividend, Cyclical
GrowingEPS CAGR
0.48%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
-157.06%
Industry Style: Value, Dividend, Cyclical
Declining