The Bank of Toyama, Ltd. Fundamental Analysis (JPX: 8365.T)
The Bank of Toyama, Ltd. Fundamental Analysis (JPX: 8365.T)
The Bank of Toyama, Ltd. (JPX: 8365.T) shows moderate financial fundamentals with a PE ratio of 12.26, profit margin of 7.03%, and ROE of 3.28%. The company generates $14.5B in annual revenue with strong year-over-year growth of 43.49%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.1/100 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 8365.T's fundamental strength across five key dimensions:
Efficiency Score
Weak8365.T struggles to generate sufficient returns from assets.
Valuation Score
Excellent8365.T trades at attractive valuation levels.
Growth Score
Excellent8365.T delivers strong and consistent growth momentum.
Financial Health Score
Excellent8365.T maintains a strong and stable balance sheet.
Profitability Score
Weak8365.T struggles to sustain strong margins.
Key Financial Metrics
Is 8365.T Expensive or Cheap?
P/E Ratio
8365.T trades at 12.26 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 8365.T's PEG of -14.30 indicates potential undervaluation.
Price to Book
The market values The Bank of Toyama, Ltd. at 0.39 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.51 times EBITDA. This signals the market has high growth expectations.
How Well Does 8365.T Make Money?
Net Profit Margin
For every $100 in sales, The Bank of Toyama, Ltd. keeps $7.03 as profit after all expenses.
Operating Margin
Core operations generate 23.31 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $3.28 in profit for every $100 of shareholder equity.
ROA
The Bank of Toyama, Ltd. generates $0.18 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The Bank of Toyama, Ltd. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
The Bank of Toyama, 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
8365.T converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
12.26
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-14.30
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.39
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.34
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.52
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.006
vs 25 benchmark
How 8365.T Stacks Against Its Sector Peers
| Metric | 8365.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 12.26 | 21.08 | Better (Cheaper) |
| ROE | 3.28% | 658.00% | Weak |
| Net Margin | 7.03% | -1621.00% (disorted) | Weak |
| Debt/Equity | 0.34 | 0.92 | Strong (Low Leverage) |
| Current Ratio | 4.52 | 927.71 | Strong Liquidity |
| ROA | 0.18% | -588.00% (disorted) | Weak |
8365.T outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The Bank of Toyama, Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
52.75%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
90.88%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-101.48%
Industry Style: Value, Dividend, Cyclical
Declining