The San-in Godo Bank, Ltd. Logo

The San-in Godo Bank, Ltd.

8381.T

(2.5)
Stock Price

1.228,00 JPY

0.24% ROA

6.09% ROE

9.79x PER

Market Cap.

186.943.289.904,00 JPY

280.95% DER

3.68% Yield

17.16% NPM

The San-in Godo Bank, Ltd. Stock Analysis

The San-in Godo 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.

The San-in Godo Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.46x), the stock offers substantial upside potential at a bargain price.

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 ROE

The stock's ROE falls within an average range (4.98%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.24%) 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.

5 Net Profit Growth

This company's net profit has been consistently on the rise over the past three years, indicating a strong financial performance and making it an appealing investment opportunity.

6 Graham Number

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

7 Dividend

Investors can rely on the company's consistent dividend payments over the past three years, offering a steady stream of returns.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (7.560), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 DER

The stock is burdened with a heavy load of debt (232%), making it financially unstable and potentially risky for investors.

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.

The San-in Godo 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.

The San-in Godo Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

The San-in Godo 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.

The San-in Godo Bank, Ltd. Revenue
Year Revenue Growth
2004 93.677.000.000
2005 93.336.000.000 -0.37%
2006 90.382.000.000 -3.27%
2007 104.758.000.000 13.72%
2008 100.365.000.000 -4.38%
2009 81.620.000.000 -22.97%
2010 84.807.000.000 3.76%
2011 79.577.000.000 -6.57%
2012 80.338.000.000 0.95%
2013 77.333.000.000 -3.89%
2014 80.120.000.000 3.48%
2015 79.647.000.000 -0.59%
2016 80.456.000.000 1.01%
2017 81.760.000.000 1.59%
2018 84.005.000.000 2.67%
2019 82.144.000.000 -2.27%
2020 82.963.000.000 0.99%
2021 88.894.000.000 6.67%
2022 103.331.000.000 13.97%
2023 101.072.000.000 -2.24%
2023 112.586.000.000 10.23%
2024 111.116.000.000 -1.32%

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.

The San-in Godo Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2004 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.

The San-in Godo Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 59.576.000.000
2005 42.539.000.000 -40.05%
2006 42.656.000.000 0.27%
2007 41.881.000.000 -1.85%
2008 41.054.000.000 -2.01%
2009 41.693.000.000 1.53%
2010 41.182.000.000 -1.24%
2011 40.924.000.000 -0.63%
2012 41.109.000.000 0.45%
2013 40.805.000.000 -0.75%
2014 40.159.000.000 -1.61%
2015 40.678.000.000 1.28%
2016 41.230.000.000 1.34%
2017 41.242.000.000 0.03%
2018 40.867.000.000 -0.92%
2019 41.057.000.000 0.46%
2020 40.262.000.000 -1.97%
2021 40.065.000.000 -0.49%
2022 39.576.000.000 -1.24%
2023 40.492.000.000 2.26%
2023 40.573.000.000 0.2%
2024 40.904.000.000 0.81%

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.

The San-in Godo Bank, Ltd. EBITDA
Year EBITDA Growth
2004 28.314.000.000
2005 43.069.000.000 34.26%
2006 52.111.000.000 17.35%
2007 51.129.000.000 -1.92%
2008 35.251.000.000 -45.04%
2009 28.507.000.000 -23.66%
2010 27.466.000.000 -3.79%
2011 33.919.000.000 19.02%
2012 27.411.000.000 -23.74%
2013 28.585.000.000 4.11%
2014 31.661.000.000 9.72%
2015 32.090.000.000 1.34%
2016 31.703.000.000 -1.22%
2017 32.165.000.000 1.44%
2018 19.151.000.000 -67.95%
2019 15.258.000.000 -25.51%
2020 14.179.000.000 -7.61%
2021 20.306.000.000 30.17%
2022 21.913.000.000 7.33%
2023 24.908.000.000 12.02%
2023 -225.000.000 11170.22%
2024 -8.000.000 -2712.5%

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.

The San-in Godo Bank, Ltd. Gross Profit
Year Gross Profit Growth
2004 93.677.000.000
2005 93.336.000.000 -0.37%
2006 90.382.000.000 -3.27%
2007 104.758.000.000 13.72%
2008 100.365.000.000 -4.38%
2009 81.620.000.000 -22.97%
2010 84.807.000.000 3.76%
2011 79.577.000.000 -6.57%
2012 80.419.000.000 1.05%
2013 77.345.000.000 -3.97%
2014 80.121.000.000 3.46%
2015 79.676.000.000 -0.56%
2016 80.456.000.000 0.97%
2017 81.760.000.000 1.59%
2018 84.005.000.000 2.67%
2019 82.144.000.000 -2.27%
2020 82.963.000.000 0.99%
2021 88.894.000.000 6.67%
2022 103.331.000.000 13.97%
2023 101.072.000.000 -2.24%
2023 112.586.000.000 10.23%
2024 111.116.000.000 -1.32%

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.

The San-in Godo Bank, Ltd. Net Profit
Year Net Profit Growth
2004 10.347.000.000
2005 9.878.000.000 -4.75%
2006 12.025.000.000 17.85%
2007 7.936.000.000 -51.52%
2008 8.045.000.000 1.35%
2009 8.642.000.000 6.91%
2010 8.827.000.000 2.1%
2011 10.335.000.000 14.59%
2012 9.857.000.000 -4.85%
2013 11.175.000.000 11.79%
2014 12.161.000.000 8.11%
2015 12.911.000.000 5.81%
2016 13.399.000.000 3.64%
2017 13.692.000.000 2.14%
2018 13.205.000.000 -3.69%
2019 10.467.000.000 -26.16%
2020 9.679.000.000 -8.14%
2021 14.485.000.000 33.18%
2022 15.463.000.000 6.32%
2023 17.264.000.000 10.43%
2023 16.800.000.000 -2.76%
2024 18.664.000.000 9.99%

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.

The San-in Godo Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 59
2005 57 -5.36%
2006 69 18.84%
2007 46 -50%
2008 47 2.13%
2009 51 6%
2010 53 3.85%
2011 63 16.13%
2012 60 -3.33%
2013 69 13.04%
2014 76 9.21%
2015 81 6.17%
2016 85 4.71%
2017 88 2.3%
2018 85 -3.57%
2019 67 -25.37%
2020 62 -8.06%
2021 93 32.61%
2022 99 7.07%
2023 0 0%
2023 109 100%
2024 122 9.92%

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.

The San-in Godo Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2004 31.449.000.000
2005 43.974.000.000 28.48%
2006 24.048.000.000 -82.86%
2007 43.372.000.000 44.55%
2008 115.851.000.000 62.56%
2009 -2.838.000.000 4182.14%
2010 120.418.000.000 102.36%
2011 23.280.000.000 -417.26%
2012 119.065.000.000 80.45%
2013 117.988.000.000 -0.91%
2014 209.193.000.000 43.6%
2015 283.969.000.000 26.33%
2016 69.753.000.000 -307.11%
2017 -29.809.000.000 334%
2018 -68.123.000.000 56.24%
2019 -111.235.000.000 38.76%
2020 437.739.000.000 125.41%
2021 73.122.000.000 -498.64%
2022 -259.942.000.000 128.13%
2023 -10.083.000.000 -2478.02%
2023 0 0%
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.

The San-in Godo Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2004 34.734.000.000
2005 46.294.000.000 24.97%
2006 28.288.000.000 -63.65%
2007 46.227.000.000 38.81%
2008 116.763.000.000 60.41%
2009 -1.018.000.000 11569.84%
2010 121.814.000.000 100.84%
2011 25.861.000.000 -371.03%
2012 122.384.000.000 78.87%
2013 118.954.000.000 -2.88%
2014 210.736.000.000 43.55%
2015 285.927.000.000 26.3%
2016 71.178.000.000 -301.71%
2017 -27.517.000.000 358.67%
2018 -63.349.000.000 56.56%
2019 -107.251.000.000 40.93%
2020 439.075.000.000 124.43%
2021 76.199.000.000 -476.22%
2022 -256.547.000.000 129.7%
2023 -7.712.000.000 -3226.59%
2023 0 0%
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.

The San-in Godo Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2004 3.285.000.000
2005 2.320.000.000 -41.59%
2006 4.240.000.000 45.28%
2007 2.855.000.000 -48.51%
2008 912.000.000 -213.05%
2009 1.820.000.000 49.89%
2010 1.396.000.000 -30.37%
2011 2.581.000.000 45.91%
2012 3.319.000.000 22.24%
2013 966.000.000 -243.58%
2014 1.543.000.000 37.39%
2015 1.958.000.000 21.2%
2016 1.425.000.000 -37.4%
2017 2.292.000.000 37.83%
2018 4.774.000.000 51.99%
2019 3.984.000.000 -19.83%
2020 1.336.000.000 -198.2%
2021 3.077.000.000 56.58%
2022 3.395.000.000 9.37%
2023 2.371.000.000 -43.19%
2023 0 0%
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.

The San-in Godo Bank, Ltd. Equity
Year Equity Growth
2004 245.288.000.000
2005 250.124.000.000 1.93%
2006 266.427.000.000 6.12%
2007 266.004.000.000 -0.16%
2008 256.989.000.000 -3.51%
2009 277.401.000.000 7.36%
2010 283.754.000.000 2.24%
2011 304.692.000.000 6.87%
2012 322.547.000.000 5.54%
2013 322.280.000.000 -0.08%
2014 353.709.000.000 8.89%
2015 373.726.000.000 5.36%
2016 352.845.000.000 -5.92%
2017 362.412.000.000 2.64%
2018 372.496.000.000 2.71%
2019 361.649.000.000 -3%
2020 379.850.000.000 4.79%
2021 353.188.000.000 -7.55%
2022 313.206.000.000 -12.77%
2023 325.089.000.000 3.66%
2023 305.389.000.000 -6.45%
2024 315.926.000.000 3.34%

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.

The San-in Godo Bank, Ltd. Assets
Year Assets Growth
2004 3.570.267.000.000
2005 3.643.218.000.000 2%
2006 3.646.433.000.000 0.09%
2007 3.671.551.000.000 0.68%
2008 3.774.877.000.000 2.74%
2009 3.898.771.000.000 3.18%
2010 3.995.967.000.000 2.43%
2011 4.127.338.000.000 3.18%
2012 4.241.925.000.000 2.7%
2013 4.478.739.000.000 5.29%
2014 4.782.030.000.000 6.34%
2015 5.160.556.000.000 7.33%
2016 5.411.472.000.000 4.64%
2017 5.548.604.000.000 2.47%
2018 5.599.597.000.000 0.91%
2019 5.691.460.000.000 1.61%
2020 6.370.285.000.000 10.66%
2021 6.775.158.000.000 5.98%
2022 6.877.489.000.000 1.49%
2023 7.360.564.000.000 6.56%
2023 6.909.358.000.000 -6.53%
2024 7.895.156.000.000 12.49%

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.

The San-in Godo Bank, Ltd. Liabilities
Year Liabilities Growth
2004 3.324.979.000.000
2005 3.393.094.000.000 2.01%
2006 3.380.006.000.000 -0.39%
2007 3.405.547.000.000 0.75%
2008 3.517.888.000.000 3.19%
2009 3.621.370.000.000 2.86%
2010 3.712.213.000.000 2.45%
2011 3.822.646.000.000 2.89%
2012 3.919.378.000.000 2.47%
2013 4.156.459.000.000 5.7%
2014 4.428.321.000.000 6.14%
2015 4.786.830.000.000 7.49%
2016 5.058.627.000.000 5.37%
2017 5.186.192.000.000 2.46%
2018 5.227.101.000.000 0.78%
2019 5.329.811.000.000 1.93%
2020 5.990.435.000.000 11.03%
2021 6.421.970.000.000 6.72%
2022 693.063.000.000 -826.61%
2023 7.035.477.000.000 90.15%
2023 666.579.000.000 -955.46%
2024 564.845.000.000 -18.01%

The San-in Godo Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
728.19
Net Income per Share
124.96
Price to Earning Ratio
9.79x
Price To Sales Ratio
1.67x
POCF Ratio
60.92
PFCF Ratio
60.7
Price to Book Ratio
0.59
EV to Sales
-3.53
EV Over EBITDA
-33.52
EV to Operating CashFlow
-127.95
EV to FreeCashFlow
-127.95
Earnings Yield
0.1
FreeCashFlow Yield
0.02
Market Cap
186,94 Bil.
Enterprise Value
-394,10 Bil.
Graham Number
2405.45
Graham NetNet
3790.56

Income Statement Metrics

Net Income per Share
124.96
Income Quality
0.16
ROE
0.06
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.69
EBT Per Ebit
1
Ebit per Revenue
0.25
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.36
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.25
Pretax Profit Margin
0.25
Net Profit Margin
0.17

Dividends

Dividend Yield
0.04
Dividend Yield %
3.68
Payout Ratio
0
Dividend Per Share
45

Operating Metrics

Operating Cashflow per Share
20.09
Free CashFlow per Share
20.09
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
7.475,47
Book Value per Share
47.821,18
Tangible Book Value per Share
47801.09
Shareholders Equity per Share
2057.92
Interest Debt per Share
5823.09
Debt to Equity
2.81
Debt to Assets
0.11
Net Debt to EBITDA
-49.42
Current Ratio
3.43
Tangible Asset Value
7.327,23 Bil.
Net Current Asset Value
581,04 Bil.
Invested Capital
849458000000
Working Capital
812,17 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
4.74

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.

The San-in Godo Bank, Ltd. Dividends
Year Dividends Growth
2001 4
2002 5 40%
2003 5 0%
2004 6 16.67%
2005 7 14.29%
2006 7 0%
2007 7 0%
2008 9 12.5%
2009 8 0%
2010 9 11.11%
2011 9 0%
2012 10 10%
2013 10 0%
2014 11 9.09%
2015 7 -83.33%
2016 15 60%
2017 18 11.76%
2018 26 34.62%
2019 26 0%
2020 20 -30%
2021 20 0%
2022 38 47.37%
2023 35 -8.57%
2024 45 22.22%
2025 0 0%

The San-in Godo Bank, Ltd. Profile

About The San-in Godo Bank, Ltd.

The San-in Godo Bank, Ltd. provides various banking products and services for individuals and corporate customers in Japan. The company operates through two segments, Banking and Leasing. It offers deposits and loans; and leasing, currency exchange, and securities investment services. The company also provides real estate leasing and credit guarantee services; collection, delivery, and sorting and safekeeping services for cash/checks; maintenance and management services for ATMs; and bad loan collection services. In addition, it offers public fund and account transfer services; and services for card member stores. Further, the company provides consulting services on the acquisition, safekeeping, and sale of securities, as well as corporate diagnosis and management consulting services. As of March 31, 2021, it operated 70 branches and 79 sub-branches in Tokyo and Osaka, as well as representative offices in Dalian, Shanghai, and Bangkok. The San-in Godo Bank, Ltd. was founded in 1878 and is headquartered in Matsue, Japan.

CEO
Mr. Yamasaki Toru
Employee
1.885
Address
10, Uomachi
Matsue, 690-0062

The San-in Godo Bank, Ltd. Executives & BODs

The San-in Godo Bank, Ltd. Executives & BODs
# Name Age
1 Yuzuru Yasuda
Managing Executive Officer
70
2 Eiji Kikkawa
Managing Executive Officer & GM of Kansai Sales Headquarters
70
3 Hirohisa Ikuta
Senior Managing Executive Officer, GM of DX Promotion HQ, Risk Management & IT Management
70
4 Kazunari Takahashi
Executive Officer & General Manager of Yonago Sales Headquarters
70
5 Mr. Hiroshi Yoshikawa
Senior Managing Executive Officer & Director
70
6 Soichi Akishita
Representative Director
70
7 Tomofumi Kanaya
Managing Executive Officer & GM of Sanyo Sales Headquater
70
8 Hidetoshi Kageyama
Mang. Exe. Officer & Head of N Alliance Strategy, Biz Sup., Asset Consulting and Biz Concentration
70
9 Tomoyuki Fukuda
Executive Officer & Hiroshima Branch Manager
70
10 Mr. Yamasaki Toru
President & Representative Director
70

The San-in Godo Bank, Ltd. Competitors