Suruga Bank Ltd. Logo

Suruga Bank Ltd.

8358.T

(3.5)
Stock Price

1.028,00 JPY

1.38% ROA

6.35% ROE

11.52x PER

Market Cap.

215.073.986.998,00 JPY

0% DER

2.24% Yield

25.24% NPM

Suruga Bank Ltd. Stock Analysis

Suruga Bank Ltd. 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.

Suruga Bank Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.51x), the stock offers substantial upside potential at a bargain price.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

5 ROE

ROE in an average range (3.82%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.28%) 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.

7 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

8 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

9 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

10 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (4.206), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

11 Dividend Growth

The company's dividend growth has shown no improvement in the past three years, making it a less attractive investment option for those seeking increasing returns.

Suruga Bank Ltd. 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.

Suruga Bank Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Suruga Bank Ltd. 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.

Suruga Bank Ltd. Revenue
Year Revenue Growth
2007 88.196.000.000
2008 77.220.000.000 -14.21%
2009 86.401.000.000 10.63%
2010 83.331.000.000 -3.68%
2011 90.650.000.000 8.07%
2012 92.872.000.000 2.39%
2013 100.408.000.000 7.51%
2014 110.589.000.000 9.21%
2015 118.687.000.000 6.82%
2016 124.559.000.000 4.71%
2017 135.709.000.000 8.22%
2018 122.368.000.000 -10.9%
2019 99.336.000.000 -23.19%
2020 83.654.000.000 -18.75%
2021 73.853.000.000 -13.27%
2022 55.804.000.000 -32.34%
2023 81.256.000.000 31.32%
2023 69.442.000.000 -17.01%
2024 79.872.000.000 13.06%

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.

Suruga Bank Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2007 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.

Suruga Bank Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2007 41.181.000.000
2008 43.142.000.000 4.55%
2009 42.968.000.000 -0.4%
2010 42.482.000.000 -1.14%
2011 42.897.000.000 0.97%
2012 44.723.000.000 4.08%
2013 46.638.000.000 4.11%
2014 48.372.000.000 3.58%
2015 48.940.000.000 1.16%
2016 51.500.000.000 4.97%
2017 51.945.000.000 0.86%
2018 51.326.000.000 -1.21%
2019 47.559.000.000 -7.92%
2020 43.494.000.000 -9.35%
2021 41.186.000.000 -5.6%
2022 38.348.000.000 -7.4%
2023 37.192.000.000 -3.11%
2023 38.013.000.000 2.16%
2024 0 0%

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.

Suruga Bank Ltd. EBITDA
Year EBITDA Growth
2007 51.645.000.000
2008 34.013.000.000 -51.84%
2009 35.013.000.000 2.86%
2010 12.306.000.000 -184.52%
2011 36.668.000.000 66.44%
2012 43.093.000.000 14.91%
2013 53.797.000.000 19.9%
2014 62.274.000.000 13.61%
2015 66.831.000.000 6.82%
2016 71.132.000.000 6.05%
2017 20.651.000.000 -244.45%
2018 -75.024.000.000 127.53%
2019 31.609.000.000 337.35%
2020 22.777.000.000 -38.78%
2021 9.065.000.000 -151.26%
2022 12.033.000.000 24.67%
2023 31.276.000.000 61.53%
2023 -566.000.000 5625.8%
2024 12.000.000 4816.67%

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.

Suruga Bank Ltd. Gross Profit
Year Gross Profit Growth
2007 88.196.000.000
2008 77.220.000.000 -14.21%
2009 86.401.000.000 10.63%
2010 83.331.000.000 -3.68%
2011 90.650.000.000 8.07%
2012 94.136.000.000 3.7%
2013 101.451.000.000 7.21%
2014 111.625.000.000 9.11%
2015 119.610.000.000 6.68%
2016 125.898.000.000 4.99%
2017 137.502.000.000 8.44%
2018 122.368.000.000 -12.37%
2019 99.336.000.000 -23.19%
2020 83.654.000.000 -18.75%
2021 73.853.000.000 -13.27%
2022 55.804.000.000 -32.34%
2023 81.256.000.000 31.32%
2023 77.169.000.000 -5.3%
2024 79.872.000.000 3.38%

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.

Suruga Bank Ltd. Net Profit
Year Net Profit Growth
2007 17.131.000.000
2008 10.450.000.000 -63.93%
2009 14.244.000.000 26.64%
2010 2.579.000.000 -452.31%
2011 15.560.000.000 83.43%
2012 21.241.000.000 26.75%
2013 27.607.000.000 23.06%
2014 32.891.000.000 16.07%
2015 36.717.000.000 10.42%
2016 42.627.000.000 13.86%
2017 6.988.000.000 -510%
2018 -97.146.000.000 107.19%
2019 25.324.000.000 483.61%
2020 21.433.000.000 -18.15%
2021 7.960.000.000 -169.26%
2022 10.576.000.000 24.74%
2023 24.316.000.000 56.51%
2023 15.375.000.000 -58.15%
2024 27.240.000.000 43.56%

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.

Suruga Bank Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2007 65
2008 40 -66.67%
2009 56 29.09%
2010 11 -450%
2011 65 84.62%
2012 90 27.78%
2013 117 22.41%
2014 139 15.94%
2015 156 11.54%
2016 184 15.22%
2017 30 -513.33%
2018 -419 107.16%
2019 109 484.4%
2020 93 -18.48%
2021 35 -170.59%
2022 56 39.29%
2023 0 0%
2023 75 100%
2024 141 46.81%

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.

Suruga Bank Ltd. Free Cashflow
Year Free Cashflow Growth
2007 -4.046.000.000
2008 -71.008.000.000 94.3%
2009 10.985.000.000 746.41%
2010 16.009.000.000 31.38%
2011 -79.122.000.000 120.23%
2012 -46.261.000.000 -71.03%
2013 577.226.000.000 108.01%
2014 91.236.000.000 -532.67%
2015 127.554.000.000 28.47%
2016 -50.214.000.000 354.02%
2017 26.653.000.000 288.4%
2018 -551.011.000.000 104.84%
2019 458.452.000.000 220.19%
2020 199.055.000.000 -130.31%
2021 136.995.000.000 -45.3%
2022 22.173.000.000 -517.85%
2023 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.

Suruga Bank Ltd. Operating Cashflow
Year Operating Cashflow Growth
2007 5.266.000.000
2008 -66.668.000.000 107.9%
2009 15.592.000.000 527.58%
2010 27.334.000.000 42.96%
2011 -57.560.000.000 147.49%
2012 -35.060.000.000 -64.18%
2013 589.220.000.000 105.95%
2014 98.740.000.000 -496.74%
2015 134.240.000.000 26.45%
2016 -43.542.000.000 408.3%
2017 32.724.000.000 233.06%
2018 -547.470.000.000 105.98%
2019 460.788.000.000 218.81%
2020 203.686.000.000 -126.22%
2021 142.156.000.000 -43.28%
2022 24.492.000.000 -480.42%
2023 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.

Suruga Bank Ltd. Capital Expenditure
Year Capital Expenditure Growth
2007 9.312.000.000
2008 4.340.000.000 -114.56%
2009 4.607.000.000 5.8%
2010 11.325.000.000 59.32%
2011 21.562.000.000 47.48%
2012 11.201.000.000 -92.5%
2013 11.994.000.000 6.61%
2014 7.504.000.000 -59.83%
2015 6.686.000.000 -12.23%
2016 6.672.000.000 -0.21%
2017 6.071.000.000 -9.9%
2018 3.541.000.000 -71.45%
2019 2.336.000.000 -51.58%
2020 4.631.000.000 49.56%
2021 5.161.000.000 10.27%
2022 2.319.000.000 -122.55%
2023 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.

Suruga Bank Ltd. Equity
Year Equity Growth
2007 184.439.000.000
2008 187.867.000.000 1.82%
2009 193.090.000.000 2.7%
2010 187.217.000.000 -3.14%
2011 197.271.000.000 5.1%
2012 222.448.000.000 11.32%
2013 251.813.000.000 11.66%
2014 292.126.000.000 13.8%
2015 302.235.000.000 3.34%
2016 340.378.000.000 11.21%
2017 344.762.000.000 1.27%
2018 242.307.000.000 -42.28%
2019 256.890.000.000 5.68%
2020 285.769.000.000 10.11%
2021 264.228.000.000 -8.15%
2022 271.039.000.000 2.51%
2023 294.342.000.000 7.92%
2023 295.120.000.000 0.26%
2024 296.916.000.000 0.6%

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.

Suruga Bank Ltd. Assets
Year Assets Growth
2007 3.108.262.000.000
2008 3.143.573.000.000 1.12%
2009 3.282.710.000.000 4.24%
2010 3.392.455.000.000 3.23%
2011 3.484.294.000.000 2.64%
2012 3.769.657.000.000 7.57%
2013 4.098.552.000.000 8.02%
2014 4.284.990.000.000 4.35%
2015 4.390.146.000.000 2.4%
2016 4.471.725.000.000 1.82%
2017 4.461.576.000.000 -0.23%
2018 3.428.327.000.000 -30.14%
2019 3.481.579.000.000 1.53%
2020 3.550.415.000.000 1.94%
2021 3.589.982.000.000 1.1%
2022 3.639.910.000.000 1.37%
2023 3.567.956.000.000 -2.02%
2023 3.560.741.000.000 -0.2%
2024 3.527.866.000.000 -0.93%

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.

Suruga Bank Ltd. Liabilities
Year Liabilities Growth
2007 2.923.823.000.000
2008 2.955.706.000.000 1.08%
2009 3.089.620.000.000 4.33%
2010 3.205.238.000.000 3.61%
2011 3.287.023.000.000 2.49%
2012 3.547.209.000.000 7.33%
2013 3.846.739.000.000 7.79%
2014 3.992.864.000.000 3.66%
2015 4.087.911.000.000 2.33%
2016 4.131.347.000.000 1.05%
2017 4.116.814.000.000 -0.35%
2018 3.186.020.000.000 -29.21%
2019 3.224.689.000.000 1.2%
2020 3.264.646.000.000 1.22%
2021 3.325.754.000.000 1.84%
2022 3.368.870.000.000 1.28%
2023 0 0%
2023 3.265.621.000.000 100%
2024 3.230.949.000.000 -1.07%

Suruga Bank Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
384.31
Net Income per Share
96.99
Price to Earning Ratio
11.52x
Price To Sales Ratio
2.91x
POCF Ratio
27.12
PFCF Ratio
27.12
Price to Book Ratio
0.72
EV to Sales
2.91
EV Over EBITDA
17.19
EV to Operating CashFlow
27.12
EV to FreeCashFlow
27.12
Earnings Yield
0.09
FreeCashFlow Yield
0.04
Market Cap
215,07 Bil.
Enterprise Value
215,07 Bil.
Graham Number
1834.12
Graham NetNet
-16780.09

Income Statement Metrics

Net Income per Share
96.99
Income Quality
0.52
ROE
0.06
Return On Assets
0.01
Return On Capital Employed
0
Net Income per EBT
0.8
EBT Per Ebit
1.54
Ebit per Revenue
0.21
Effective Tax Rate
0.2

Margins

Sales, General, & Administrative to Revenue
0.37
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.08
Operating Profit Margin
0.21
Pretax Profit Margin
0.32
Net Profit Margin
0.25

Dividends

Dividend Yield
0.02
Dividend Yield %
2.24
Payout Ratio
0
Dividend Per Share
25

Operating Metrics

Operating Cashflow per Share
41.18
Free CashFlow per Share
41.18
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
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
0,00
Book Value per Share
1.542,05
Tangible Book Value per Share
-9754.13
Shareholders Equity per Share
1541.51
Interest Debt per Share
4.47
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
928.28
Tangible Asset Value
-1.878,12 Bil.
Net Current Asset Value
-2.106,81 Bil.
Invested Capital
3328818000000
Working Capital
1.122,93 Bil.
Intangibles to Total Assets
0.62
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0

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.

Suruga Bank Ltd. Dividends
Year Dividends Growth
2001 5
2002 5 0%
2003 5 0%
2004 5 0%
2005 6 0%
2006 10 50%
2007 12 16.67%
2008 14 7.69%
2009 13 0%
2010 13 0%
2011 13 0%
2012 13 0%
2013 16 18.75%
2014 18 11.11%
2015 11 -80%
2016 21 50%
2017 12 -81.82%
2018 21 47.62%
2019 11 -110%
2020 5 -100%
2021 5 0%
2022 5 0%
2023 16 68.75%
2024 25 36%
2025 0 0%

Suruga Bank Ltd. Profile

About Suruga Bank Ltd.

Suruga Bank Ltd. provides various banking and financial products and services to individuals and corporate customers in Japan. The company offers deposit products, such as time, ordinary, savings, foreign currency, and other deposits, as well as current and general accounts; card, housing, second house, resort, startup, project assistance, and business up term loans, as well as loans by purpose; credit and debit cards; and overdrafts and other financing products. It also provides investment trust, public bond, pension contribution, insurance, inheritance/trust, lottery, foreign currency exchange reservation, pay-easy, Web oral receipt, safe deposit box, external linkage, foreign remittance, fund management, e-combination, payment, nursing care/medical care/dispensing compensation receivable factoring, mortgage, and Internet and telephone banking services. In addition, the company offers staffing, money lending and credit guarantee, mortgage loans guarantee, printing, bookbinding, packing and shipping, leasing, and clerical agency and system engineering services. It operates through a network of 128 branches in Japan. The company was founded in 1895 and is headquartered in Numazu, Japan.

CEO
Mr. Kosuke Kato
Employee
1.449
Address
23 Toriyoko-cho
Numazu, 410-8689

Suruga Bank Ltd. Executives & BODs

Suruga Bank Ltd. Executives & BODs
# Name Age
1 Mr. Tomoki Toya
Senior Managing Executive Officer, Head of Community Bank Division & Representative Director
70
2 Mr. Tadashi Ueno
IR Manager
70
3 Mr. Tomoaki Tsutsumi
Senior Managing Executive Officer, GM of Screening Division, CCO & Director
70
4 Mr. Takeshi Miyajima
Managing Executive Officer, GM of IT & Operations Headquarters and Director
70
5 Mr. Kosuke Kato
President & Representative Director
70
6 Mr. Kazuya Mochizuki
Senior MD & Chief Financial Officer
70

Suruga Bank Ltd. Competitors