Resona Holdings, Inc. Logo

Resona Holdings, Inc.

8308.T

(1.8)
Stock Price

1.224,50 JPY

0.23% ROA

6.69% ROE

13x PER

Market Cap.

2.293.551.573.313,00 JPY

182.25% DER

2.25% Yield

21.41% NPM

Resona Holdings, Inc. Stock Analysis

Resona Holdings, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Resona Holdings, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.78x), the stock offers substantial upside potential at a bargain price.

2 ROE

ROE in an average range (6.64%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (0.21%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

5 Dividend

Investors can take comfort in the fact that the company has consistently distributed dividends over the past three years, demonstrating a commitment to rewarding shareholders.

6 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (3.600) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 DER

The company has a high debt to equity ratio (475%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Resona Holdings, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Resona Holdings, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Resona Holdings, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Resona Holdings, Inc. Revenue
Year Revenue Growth
2001 1.140.735.000.000
2002 1.115.060.000.000 -2.3%
2003 1.101.978.000.000 -1.19%
2004 1.066.069.000.000 -3.37%
2005 1.044.885.000.000 -2.03%
2006 1.080.956.000.000 3.34%
2007 915.109.000.000 -18.12%
2008 800.227.000.000 -14.36%
2009 736.369.000.000 -8.67%
2010 740.972.000.000 0.62%
2011 742.082.000.000 0.15%
2012 677.236.000.000 -9.58%
2013 677.930.000.000 0.1%
2014 723.786.000.000 6.34%
2015 703.815.000.000 -2.84%
2016 640.018.000.000 -9.97%
2017 620.996.000.000 -3.06%
2018 723.967.000.000 14.22%
2019 749.264.000.000 3.38%
2020 722.292.000.000 -3.73%
2021 751.167.000.000 3.84%
2022 748.474.000.000 -0.36%
2023 773.968.000.000 3.29%
2023 857.179.000.000 9.71%
2024 878.992.000.000 2.48%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Resona Holdings, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Resona Holdings, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 568.320.000.000
2002 597.675.000.000 4.91%
2003 510.085.000.000 -17.17%
2004 382.081.000.000 -33.5%
2005 384.049.000.000 0.51%
2006 384.631.000.000 0.15%
2007 385.919.000.000 0.33%
2008 384.465.000.000 -0.38%
2009 387.502.000.000 0.78%
2010 369.413.000.000 -4.9%
2011 360.914.000.000 -2.35%
2012 361.645.000.000 0.2%
2013 348.498.000.000 -3.77%
2014 357.767.000.000 2.59%
2015 347.513.000.000 -2.95%
2016 362.497.000.000 4.13%
2017 360.674.000.000 -0.51%
2018 439.479.000.000 17.93%
2019 426.540.000.000 -3.03%
2020 425.852.000.000 -0.16%
2021 427.220.000.000 0.32%
2022 413.013.000.000 -3.44%
2023 417.068.000.000 0.97%
2023 423.136.000.000 1.43%
2024 448.116.000.000 5.57%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Resona Holdings, Inc. EBITDA
Year EBITDA Growth
2001 -949.835.000.000
2002 -319.522.000.000 -197.27%
2003 -1.152.437.000.000 72.27%
2004 456.459.000.000 352.47%
2005 472.223.000.000 3.34%
2006 537.621.000.000 12.16%
2007 484.549.000.000 -10.95%
2008 389.599.000.000 -24.37%
2009 292.727.000.000 -33.09%
2010 325.054.000.000 9.95%
2011 352.778.000.000 7.86%
2012 356.358.000.000 1%
2013 374.988.000.000 4.97%
2014 386.704.000.000 3.03%
2015 318.058.000.000 -21.58%
2016 281.248.000.000 -13.09%
2017 272.184.000.000 -3.33%
2018 232.465.000.000 -17.09%
2019 209.163.000.000 -11.14%
2020 179.083.000.000 -16.8%
2021 155.518.000.000 -15.15%
2022 223.711.000.000 30.48%
2023 266.380.000.000 16.02%
2023 -2.055.000.000 13062.53%
2024 -2.352.000.000 12.63%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Resona Holdings, Inc. Gross Profit
Year Gross Profit Growth
2001 1.140.735.000.000
2002 1.115.060.000.000 -2.3%
2003 1.101.978.000.000 -1.19%
2004 1.066.069.000.000 -3.37%
2005 1.044.885.000.000 -2.03%
2006 1.080.956.000.000 3.34%
2007 915.109.000.000 -18.12%
2008 800.227.000.000 -14.36%
2009 736.369.000.000 -8.67%
2010 740.972.000.000 0.62%
2011 742.082.000.000 0.15%
2012 689.744.000.000 -7.59%
2013 698.496.000.000 1.25%
2014 737.639.000.000 5.31%
2015 719.132.000.000 -2.57%
2016 654.989.000.000 -9.79%
2017 620.996.000.000 -5.47%
2018 723.967.000.000 14.22%
2019 749.264.000.000 3.38%
2020 722.292.000.000 -3.73%
2021 751.167.000.000 3.84%
2022 748.474.000.000 -0.36%
2023 773.968.000.000 3.29%
2023 857.179.000.000 9.71%
2024 919.088.000.000 6.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Resona Holdings, Inc. Net Profit
Year Net Profit Growth
2001 -931.876.000.000
2002 -837.633.000.000 -11.25%
2003 -1.663.964.000.000 49.66%
2004 365.592.000.000 555.14%
2005 383.288.000.000 4.62%
2006 664.899.000.000 42.35%
2007 302.818.000.000 -119.57%
2008 123.910.000.000 -144.39%
2009 132.230.000.000 6.29%
2010 160.079.000.000 17.4%
2011 253.662.000.000 36.89%
2012 275.141.000.000 7.81%
2013 220.642.000.000 -24.7%
2014 211.477.000.000 -4.33%
2015 183.840.000.000 -15.03%
2016 161.485.000.000 -13.84%
2017 236.251.000.000 31.65%
2018 175.162.000.000 -34.88%
2019 152.426.000.000 -14.92%
2020 124.481.000.000 -22.45%
2021 109.974.000.000 -13.19%
2022 160.400.000.000 31.44%
2023 188.412.000.000 14.87%
2023 158.930.000.000 -18.55%
2024 221.508.000.000 28.25%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Resona Holdings, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 -401
2002 -361 -11.39%
2003 -717 49.72%
2004 304 335.53%
2005 319 4.7%
2006 539 40.82%
2007 266 -103.4%
2008 76 -248.68%
2009 88 13.64%
2010 73 -20.55%
2011 97 23.96%
2012 106 8.57%
2013 90 -17.98%
2014 91 2.2%
2015 76 -21.33%
2016 67 -13.64%
2017 102 35.29%
2018 75 -36%
2019 66 -13.64%
2020 54 -22.22%
2021 45 -20%
2022 68 32.84%
2023 0 0%
2023 68 100%
2024 95 29.47%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Resona Holdings, Inc. Free Cashflow
Year Free Cashflow Growth
2001 1.482.957.000.000
2002 -284.309.000.000 621.6%
2003 -861.506.000.000 67%
2004 -564.640.000.000 -52.58%
2005 -493.806.000.000 -14.34%
2006 4.832.000.000 10319.5%
2007 -1.168.738.000.000 100.41%
2008 1.448.780.000.000 180.67%
2009 1.006.442.000.000 -43.95%
2010 3.455.223.000.000 70.87%
2011 1.141.569.000.000 -202.67%
2012 -550.551.000.000 307.35%
2013 2.231.592.000.000 124.67%
2014 1.090.550.000.000 -104.63%
2015 3.050.134.000.000 64.25%
2016 -770.982.000.000 495.62%
2017 907.085.000.000 185%
2018 303.206.000.000 -199.16%
2019 954.411.000.000 68.23%
2020 11.379.372.000.000 91.61%
2021 3.868.479.000.000 -194.16%
2022 -5.228.083.000.000 173.99%
2023 0 0%
2023 134.017.000.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Resona Holdings, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 1.525.552.000.000
2002 -165.637.000.000 1021.02%
2003 -762.333.000.000 78.27%
2004 -555.407.000.000 -37.26%
2005 -484.649.000.000 -14.6%
2006 21.119.000.000 2394.85%
2007 -1.153.782.000.000 101.83%
2008 1.469.230.000.000 178.53%
2009 1.024.489.000.000 -43.41%
2010 3.465.449.000.000 70.44%
2011 1.155.398.000.000 -199.94%
2012 -538.550.000.000 314.54%
2013 2.243.206.000.000 124.01%
2014 1.103.471.000.000 -103.29%
2015 3.065.728.000.000 64.01%
2016 -757.454.000.000 504.74%
2017 923.028.000.000 182.06%
2018 324.420.000.000 -184.52%
2019 974.556.000.000 66.71%
2020 11.394.771.000.000 91.45%
2021 3.890.942.000.000 -192.85%
2022 -5.207.582.000.000 174.72%
2023 0 0%
2023 154.542.000.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Resona Holdings, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 42.595.000.000
2002 118.672.000.000 64.11%
2003 99.173.000.000 -19.66%
2004 9.233.000.000 -974.11%
2005 9.157.000.000 -0.83%
2006 16.287.000.000 43.78%
2007 14.956.000.000 -8.9%
2008 20.450.000.000 26.87%
2009 18.047.000.000 -13.32%
2010 10.226.000.000 -76.48%
2011 13.829.000.000 26.05%
2012 12.001.000.000 -15.23%
2013 11.614.000.000 -3.33%
2014 12.921.000.000 10.12%
2015 15.594.000.000 17.14%
2016 13.528.000.000 -15.27%
2017 15.943.000.000 15.15%
2018 21.214.000.000 24.85%
2019 20.145.000.000 -5.31%
2020 15.399.000.000 -30.82%
2021 22.463.000.000 31.45%
2022 20.501.000.000 -9.57%
2023 0 0%
2023 20.525.000.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Resona Holdings, Inc. Equity
Year Equity Growth
2001 1.393.969.000.000
2002 611.691.000.000 -127.89%
2003 1.109.704.000.000 44.88%
2004 1.472.850.000.000 24.66%
2005 1.813.913.000.000 18.8%
2006 1.970.139.000.000 7.93%
2007 2.524.655.000.000 21.96%
2008 2.178.083.000.000 -15.91%
2009 2.271.897.000.000 4.13%
2010 1.592.553.000.000 -42.66%
2011 1.843.329.000.000 13.6%
2012 2.189.303.000.000 15.8%
2013 1.956.410.000.000 -11.9%
2014 2.143.377.000.000 8.72%
2015 1.833.469.000.000 -16.9%
2016 1.946.777.000.000 5.82%
2017 2.102.935.000.000 7.43%
2018 2.356.175.000.000 10.75%
2019 2.316.541.000.000 -1.71%
2020 2.519.643.000.000 8.06%
2021 2.459.020.000.000 -2.47%
2022 2.534.049.000.000 2.96%
2023 2.609.484.000.000 2.89%
2023 2.778.173.000.000 6.07%
2024 2.739.832.000.000 -1.4%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Resona Holdings, Inc. Assets
Year Assets Growth
2001 44.952.488.000.000
2002 42.891.933.000.000 -4.8%
2003 39.841.837.000.000 -7.66%
2004 39.563.362.000.000 -0.7%
2005 40.399.547.000.000 2.07%
2006 39.985.678.000.000 -1.04%
2007 39.916.171.000.000 -0.17%
2008 39.863.143.000.000 -0.13%
2009 40.743.531.000.000 2.16%
2010 42.706.848.000.000 4.6%
2011 43.199.830.000.000 1.14%
2012 43.110.629.000.000 -0.21%
2013 44.719.434.000.000 3.6%
2014 46.586.565.000.000 4.01%
2015 49.126.435.000.000 5.17%
2016 48.456.133.000.000 -1.38%
2017 50.243.789.000.000 3.56%
2018 59.110.075.000.000 15%
2019 60.512.454.000.000 2.32%
2020 73.697.682.000.000 17.89%
2021 78.155.071.000.000 5.7%
2022 74.812.710.000.000 -4.47%
2023 73.392.313.000.000 -1.94%
2023 76.150.887.000.000 3.62%
2024 76.611.283.000.000 0.6%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Resona Holdings, Inc. Liabilities
Year Liabilities Growth
2001 4.191.207.000.000
2002 42.280.242.000.000 90.09%
2003 38.732.133.000.000 -9.16%
2004 38.090.512.000.000 -1.68%
2005 38.585.634.000.000 1.28%
2006 38.015.539.000.000 -1.5%
2007 37.391.515.000.000 -1.67%
2008 37.685.059.000.000 0.78%
2009 38.471.634.000.000 2.04%
2010 41.114.295.000.000 6.43%
2011 41.356.501.000.000 0.59%
2012 40.921.326.000.000 -1.06%
2013 42.763.024.000.000 4.31%
2014 44.443.188.000.000 3.78%
2015 47.292.966.000.000 6.03%
2016 46.509.356.000.000 -1.68%
2017 2.273.150.000.000 -1946.03%
2018 56.753.900.000.000 95.99%
2019 58.195.913.000.000 2.48%
2020 71.178.039.000.000 18.24%
2021 75.696.051.000.000 5.97%
2022 7.090.261.000.000 -967.61%
2023 4.766.220.000.000 -48.76%
2023 73.372.707.000.000 93.5%
2024 73.871.451.000.000 0.68%

Resona Holdings, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
359.63
Net Income per Share
76.99
Price to Earning Ratio
13x
Price To Sales Ratio
2.74x
POCF Ratio
60.7
PFCF Ratio
59.85
Price to Book Ratio
0.86
EV to Sales
-16.67
EV Over EBITDA
-125.85
EV to Operating CashFlow
-363.46
EV to FreeCashFlow
-363.46
Earnings Yield
0.08
FreeCashFlow Yield
0.02
Market Cap
2.293,55 Bil.
Enterprise Value
-13.929,26 Bil.
Graham Number
1423.55
Graham NetNet
-23120.17

Income Statement Metrics

Net Income per Share
76.99
Income Quality
0.21
ROE
0.07
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.71
EBT Per Ebit
1
Ebit per Revenue
0.3
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.51
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.01
Operating Profit Margin
0.3
Pretax Profit Margin
0.3
Net Profit Margin
0.21

Dividends

Dividend Yield
0.02
Dividend Yield %
2.25
Payout Ratio
0
Dividend Per Share
22.5

Operating Metrics

Operating Cashflow per Share
16.49
Free CashFlow per Share
16.49
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.02
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
8.668,42
Book Value per Share
1.179,01
Tangible Book Value per Share
1158.54
Shareholders Equity per Share
1169.92
Interest Debt per Share
2168.63
Debt to Equity
1.82
Debt to Assets
0.06
Net Debt to EBITDA
-146.57
Current Ratio
2292.22
Tangible Asset Value
2.692,25 Bil.
Net Current Asset Value
-53.727,46 Bil.
Invested Capital
20534155000000
Working Capital
20.135,20 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.16

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Resona Holdings, Inc. Dividends
Year Dividends Growth
2006 1.000
2007 1.000 0%
2008 1.000 0%
2009 10 -9900%
2010 10 0%
2011 12 16.67%
2012 12 0%
2013 12 0%
2014 15 20%
2015 26 40%
2016 18 -38.89%
2017 20 5.26%
2018 21 5%
2019 21 4.76%
2020 21 0%
2021 21 0%
2022 21 0%
2023 22 0%
2024 23 4.55%
2025 0 0%

Resona Holdings, Inc. Profile

About Resona Holdings, Inc.

Resona Holdings, Inc., through its subsidiaries, provides retail and commercial banking products and services in Japan and internationally. The company offers deposits, credit cards, factoring services, venture capital services, and investment management services. It also offers trust banking, credit guarantee, and retail loans to individuals and small and medium-sized enterprises accounts. In addition, the company engages in the private equity businesses; and provision of business consulting, business process outsourcing, leasing, and system development services. It serves individuals and corporate customers. As of March 31, 2022, the company operated 815 branches. Resona Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.

CEO
Mr. Masahiro Minami
Employee
19.721
Address
Fukagawa Gatharia W2 Building
Tokyo, 135-8582

Resona Holdings, Inc. Executives & BODs

Resona Holdings, Inc. Executives & BODs
# Name Age
1 Mr. Shigeki Ishida
Group CSO, Deputy President, Executive Officer & Director
70
2 Mr. Narunobu Ota
Group Chief Financial Officer, Executive Officer and In Charge of Finance & Accounting Division
70
3 Mr. Jozi Morikagi
Chief Manager of International Division
70
4 Yukinobu Murao
Group CRO & CCO, Executive Officer and In Charge of Risk Compliance Management Department
70
5 Mr. Satoshi Fukuoka
Executive Officer
70
6 Mr. Mikio Noguchi
Group Chief Information Officer, Group CPRO, Executive Officer & Director
70
7 Kunio Matsui
Executive Officer & In charge of Corporate Communications Department
70
8 Mr. Masahiro Minami
Group Chief Executive Officer, President, Representative Executive Officer & Director
70
9 Mr. Shoichi Iwanaga
Executive Officer
70
10 Hideo Sekiguchi
Group CHRO, Executive Officer & In Charge of Human Resources Div. and Corporation Governance Secretariat
70

Resona Holdings, Inc. Competitors