The Naganobank, Ltd. Fundamental Analysis (JPX: 8521.T)
The Naganobank, Ltd. (JPX: 8521.T) shows weak financial fundamentals with a PE ratio of 10.43, profit margin of 7.38%, and ROE of 2.57%. The company generates $18.2B 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 28.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze 8521.T's fundamental strength across five key dimensions:
Efficiency Score
Weak8521.T struggles to generate sufficient returns from assets.
Valuation Score
Excellent8521.T trades at attractive valuation levels.
Growth Score
Moderate8521.T shows steady but slowing expansion.
Financial Health Score
Weak8521.T carries high financial risk with limited liquidity.
Profitability Score
Moderate8521.T maintains healthy but balanced margins.
Key Financial Metrics
Is 8521.T Expensive or Cheap?
P/E Ratio
8521.T trades at 10.43 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 8521.T's PEG of -0.18 indicates potential undervaluation.
Price to Book
The market values The Naganobank, Ltd. at 0.28 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 28.94 times EBITDA. This signals the market has high growth expectations.
How Well Does 8521.T Make Money?
Net Profit Margin
For every $100 in sales, The Naganobank, Ltd. keeps $7.38 as profit after all expenses.
Operating Margin
Core operations generate 11.48 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.57 in profit for every $100 of shareholder equity.
ROA
The Naganobank, Ltd. generates $0.11 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
The Naganobank, Ltd. generates strong operating cash flow of $100.53B, reflecting robust business health.
Free Cash Flow
The Naganobank, Ltd. generates strong free cash flow of $100.25B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $11047.28 in free cash annually.
FCF Yield
8521.T converts 7.13% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.43
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.18
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.28
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.77
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.64
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.001
vs 25 benchmark
ROCE
Return on capital employed
0.002
vs 25 benchmark
How 8521.T Stacks Against Its Sector Peers
| Metric | 8521.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.43 | 21.08 | Better (Cheaper) |
| ROE | 2.57% | 658.00% | Weak |
| Net Margin | 7.38% | -1621.00% (disorted) | Weak |
| Debt/Equity | 2.64 | 0.92 | Weak (High Leverage) |
| Current Ratio | 0.00 | 927.71 | Weak Liquidity |
| ROA | 0.11% | -588.00% (disorted) | Weak |
8521.T outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews The Naganobank, 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