The Iyo Bank, Ltd. Logo

The Iyo Bank, Ltd.

8385.T

(1.8)
Stock Price

707,00 JPY

0.31% ROA

3.65% ROE

8.42x PER

Market Cap.

0,00 JPY

104.63% DER

0% Yield

21.24% NPM

The Iyo Bank, Ltd. Stock Analysis

The Iyo 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 Iyo Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.31x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (2.93%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.26%) 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 DER

The stock maintains a fair debt to equity ratio (75%), indicating a reasonable balance between the money it owes and the ownership it possesses.

5 Graham Number

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

6 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (3.454) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

7 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

8 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

9 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

10 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

The Iyo 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 Iyo Bank, Ltd. Technical Stock Analysis
# Analysis Recommendation

The Iyo 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 Iyo Bank, Ltd. Revenue
Year Revenue Growth
2005 95.873.000.000
2006 97.997.000.000 2.17%
2007 102.754.000.000 4.63%
2008 102.029.000.000 -0.71%
2009 113.672.000.000 10.24%
2010 101.565.000.000 -11.92%
2011 102.739.000.000 1.14%
2012 112.720.000.000 8.85%
2013 107.544.000.000 -4.81%
2014 115.912.000.000 7.22%
2015 112.714.000.000 -2.84%
2016 108.759.000.000 -3.64%
2017 105.002.000.000 -3.58%
2018 108.817.000.000 3.51%
2019 109.881.000.000 0.97%
2020 108.087.000.000 -1.66%
2021 115.119.000.000 6.11%
2022 125.350.000.000 8.16%
2023 116.172.000.000 -7.9%

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 Iyo Bank, Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2005 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%

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 Iyo Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 46.236.000.000
2006 46.613.000.000 0.81%
2007 44.996.000.000 -3.59%
2008 47.096.000.000 4.46%
2009 49.646.000.000 5.14%
2010 50.819.000.000 2.31%
2011 50.159.000.000 -1.32%
2012 49.451.000.000 -1.43%
2013 49.230.000.000 -0.45%
2014 50.156.000.000 1.85%
2015 50.678.000.000 1.03%
2016 49.616.000.000 -2.14%
2017 51.641.000.000 3.92%
2018 52.195.000.000 1.06%
2019 52.360.000.000 0.32%
2020 51.653.000.000 -1.37%
2021 51.909.000.000 0.49%
2022 49.771.000.000 -4.3%
2023 51.080.000.000 2.56%

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 Iyo Bank, Ltd. EBITDA
Year EBITDA Growth
2005 48.308.000.000
2006 51.103.000.000 5.47%
2007 51.366.000.000 0.51%
2008 60.645.000.000 15.3%
2009 39.624.000.000 -53.05%
2010 36.968.000.000 -7.18%
2011 37.399.000.000 1.15%
2012 46.451.000.000 19.49%
2013 41.392.000.000 -12.22%
2014 53.986.000.000 23.33%
2015 55.551.000.000 2.82%
2016 49.544.000.000 -12.12%
2017 44.215.000.000 -12.05%
2018 46.425.000.000 4.76%
2019 42.906.000.000 -8.2%
2020 45.135.000.000 4.94%
2021 35.102.000.000 -28.58%
2022 45.660.000.000 23.12%
2023 38.988.000.000 -17.11%

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 Iyo Bank, Ltd. Gross Profit
Year Gross Profit Growth
2005 95.873.000.000
2006 97.997.000.000 2.17%
2007 102.754.000.000 4.63%
2008 102.029.000.000 -0.71%
2009 113.672.000.000 10.24%
2010 101.565.000.000 -11.92%
2011 102.739.000.000 1.14%
2012 112.720.000.000 8.85%
2013 107.544.000.000 -4.81%
2014 115.912.000.000 7.22%
2015 112.714.000.000 -2.84%
2016 108.759.000.000 -3.64%
2017 105.002.000.000 -3.58%
2018 108.817.000.000 3.51%
2019 109.881.000.000 0.97%
2020 108.087.000.000 -1.66%
2021 115.119.000.000 6.11%
2022 125.350.000.000 8.16%
2023 116.172.000.000 -7.9%

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 Iyo Bank, Ltd. Net Profit
Year Net Profit Growth
2005 18.015.000.000
2006 19.484.000.000 7.54%
2007 16.629.000.000 -17.17%
2008 18.407.000.000 9.66%
2009 11.477.000.000 -60.38%
2010 13.272.000.000 13.52%
2011 15.076.000.000 11.97%
2012 18.413.000.000 18.12%
2013 18.377.000.000 -0.2%
2014 26.133.000.000 29.68%
2015 26.999.000.000 3.21%
2016 24.451.000.000 -10.42%
2017 21.797.000.000 -12.18%
2018 23.639.000.000 7.79%
2019 18.527.000.000 -27.59%
2020 18.922.000.000 2.09%
2021 18.088.000.000 -4.61%
2022 26.627.000.000 32.07%
2023 15.284.000.000 -74.21%

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 Iyo Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 56
2006 60 8.33%
2007 52 -17.65%
2008 57 10.53%
2009 36 -62.86%
2010 42 14.63%
2011 47 12.77%
2012 58 17.54%
2013 58 0%
2014 83 30.49%
2015 85 3.53%
2016 77 -10.39%
2017 69 -13.24%
2018 75 8.11%
2019 58 -27.59%
2020 60 1.69%
2021 57 -3.51%
2022 84 31.33%
2023 48 -72.92%

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 Iyo Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2005 172.925.000.000
2006 53.754.000.000 -221.7%
2007 -79.114.000.000 167.94%
2008 34.901.000.000 326.68%
2009 67.547.000.000 48.33%
2010 172.088.000.000 60.75%
2011 78.114.000.000 -120.3%
2012 107.758.000.000 27.51%
2013 128.852.000.000 16.37%
2014 -29.471.000.000 537.22%
2015 343.505.000.000 108.58%
2016 -68.988.000.000 597.92%
2017 222.844.000.000 130.96%
2018 -747.000.000 29931.86%
2019 -157.972.000.000 99.53%
2020 43.726.000.000 461.28%
2021 772.437.000.000 94.34%
2022 -66.013.000.000 1270.13%

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 Iyo Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 175.763.000.000
2006 56.677.000.000 -210.11%
2007 -75.245.000.000 175.32%
2008 41.714.000.000 280.38%
2009 72.274.000.000 42.28%
2010 178.443.000.000 59.5%
2011 79.342.000.000 -124.9%
2012 110.580.000.000 28.25%
2013 134.275.000.000 17.65%
2014 -23.339.000.000 675.32%
2015 348.931.000.000 106.69%
2016 -64.206.000.000 643.46%
2017 226.523.000.000 128.34%
2018 3.870.000.000 -5753.31%
2019 -150.925.000.000 102.56%
2020 49.279.000.000 406.27%
2021 778.734.000.000 93.67%
2022 -60.242.000.000 1392.68%

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 Iyo Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 2.838.000.000
2006 2.923.000.000 2.91%
2007 3.869.000.000 24.45%
2008 6.813.000.000 43.21%
2009 4.727.000.000 -44.13%
2010 6.355.000.000 25.62%
2011 1.228.000.000 -417.51%
2012 2.822.000.000 56.48%
2013 5.423.000.000 47.96%
2014 6.132.000.000 11.56%
2015 5.426.000.000 -13.01%
2016 4.782.000.000 -13.47%
2017 3.679.000.000 -29.98%
2018 4.617.000.000 20.32%
2019 7.047.000.000 34.48%
2020 5.553.000.000 -26.9%
2021 6.297.000.000 11.82%
2022 5.771.000.000 -9.11%

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 Iyo Bank, Ltd. Equity
Year Equity Growth
2005 313.773.000.000
2006 371.223.000.000 15.48%
2007 397.730.000.000 6.66%
2008 364.939.000.000 -8.99%
2009 313.341.000.000 -16.47%
2010 360.438.000.000 13.07%
2011 361.911.000.000 0.41%
2012 397.830.000.000 9.03%
2013 457.951.000.000 13.13%
2014 489.514.000.000 6.45%
2015 577.399.000.000 15.22%
2016 566.476.000.000 -1.93%
2017 589.944.000.000 3.98%
2018 623.677.000.000 5.41%
2019 625.599.000.000 0.31%
2020 650.053.000.000 3.76%
2021 732.820.000.000 11.29%
2022 724.677.000.000 -1.12%
2023 719.587.000.000 -0.71%

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 Iyo Bank, Ltd. Assets
Year Assets Growth
2005 4.460.868.000.000
2006 4.724.481.000.000 5.58%
2007 4.854.783.000.000 2.68%
2008 4.824.111.000.000 -0.64%
2009 4.914.612.000.000 1.84%
2010 5.210.401.000.000 5.68%
2011 5.365.448.000.000 2.89%
2012 5.672.541.000.000 5.41%
2013 6.004.711.000.000 5.53%
2014 6.124.787.000.000 1.96%
2015 6.575.422.000.000 6.85%
2016 6.510.076.000.000 -1%
2017 6.849.283.000.000 4.95%
2018 7.096.633.000.000 3.49%
2019 7.165.655.000.000 0.96%
2020 7.795.554.000.000 8.08%
2021 8.550.739.000.000 8.83%
2022 8.544.797.000.000 -0.07%
2023 8.233.545.000.000 -3.78%

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 Iyo Bank, Ltd. Liabilities
Year Liabilities Growth
2005 4.147.095.000.000
2006 4.353.258.000.000 4.74%
2007 4.444.379.000.000 2.05%
2008 4.446.064.000.000 0.04%
2009 4.587.580.000.000 3.08%
2010 4.835.128.000.000 5.12%
2011 4.987.472.000.000 3.05%
2012 5.258.113.000.000 5.15%
2013 5.528.389.000.000 4.89%
2014 5.617.270.000.000 1.58%
2015 5.977.823.000.000 6.03%
2016 5.920.372.000.000 -0.97%
2017 6.240.225.000.000 5.13%
2018 6.450.332.000.000 3.26%
2019 6.517.331.000.000 1.03%
2020 7.123.709.000.000 8.51%
2021 7.809.501.000.000 8.78%
2022 7.813.001.000.000 0.04%
2023 7.513.958.000.000 -3.98%

The Iyo Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
395.36
Net Income per Share
83.98
Price to Earning Ratio
8.42x
Price To Sales Ratio
0x
POCF Ratio
-3.72
PFCF Ratio
0
Price to Book Ratio
0.31
EV to Sales
-6.04
EV Over EBITDA
-16.57
EV to Operating CashFlow
12.56
EV to FreeCashFlow
11.46
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
0,00 Bil.
Enterprise Value
-756,56 Bil.
Graham Number
2078.21
Graham NetNet
-19864.81

Income Statement Metrics

Net Income per Share
83.98
Income Quality
-2.28
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.7
EBT Per Ebit
0.93
Ebit per Revenue
0.32
Effective Tax Rate
0.3

Margins

Sales, General, & Administrative to Revenue
0.4
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.32
Pretax Profit Margin
0.3
Net Profit Margin
0.21

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.18
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
-190
Free CashFlow per Share
-208.21
Capex to Operating CashFlow
0.1
Capex to Revenue
-0.05
Capex to Depreciation
-1.14
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
-18.2

Balance Sheet

Cash per Share
4.777,59
Book Value per Share
2.285,65
Tangible Book Value per Share
2278.38
Shareholders Equity per Share
2285.65
Interest Debt per Share
2400.89
Debt to Equity
1.05
Debt to Assets
0.09
Net Debt to EBITDA
-16.57
Current Ratio
0
Tangible Asset Value
722,37 Bil.
Net Current Asset Value
-1.038,50 Bil.
Invested Capital
1.05
Working Capital
6.774,51 Bil.
Intangibles to Total Assets
0
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.

The Iyo Bank, Ltd. Dividends
Year Dividends Growth
2001 4
2002 5 40%
2003 5 0%
2004 5 0%
2005 7 16.67%
2006 5 -20%
2007 7 28.57%
2008 5 -40%
2009 8 37.5%
2010 8 0%
2011 5 -60%
2012 9 37.5%
2013 6 -33.33%
2014 10 40%
2015 13 23.08%
2016 12 -8.33%
2017 7 -71.43%
2018 8 12.5%
2019 14 42.86%
2020 14 0%
2021 15 6.67%
2022 16 6.25%

The Iyo Bank, Ltd. Profile

About The Iyo Bank, Ltd.

The Iyo Bank, Ltd., together with its subsidiaries, provides banking and other financial services in Tokyo, Nagoya, and ASEAN regions. The company operates through Commercial Banking and Leasing segments. It offers fund raising and asset management products comprising investment trust, ordinary deposit, time deposit, reserve-type time deposits/time deposits, foreign currency deposits, government bonds, financial product brokerage, and product overview manual list; and savings accounts. The company's loan portfolio consists of card, car, education, mortgage, remodeling, housing support, and housing loans. It also provides insurance, smartphone application, debit card, account information linking, cash card, foreign currency exchange and remittance, telephone, and utilities bill payment services. In addition, the company offers financing, such as business loans, private placement bonds, loan syndication, and procurement support; and business consultation and management support services. Further, it provides lending, securities investment, and exchange services, as well as business support, credit guarantee, credit card, securities trading, and fund management services; and software development and information processing services. As of March 31, 2021, the company operated 149 branches located in 13 prefectures and 1 foreign branch. The Iyo Bank, Ltd. was founded in 1878 and is headquartered in Matsuyama, Japan.

CEO
Mr. Kenji Miyoshi
Employee
3.044
Address
1, Minami-Horibata-cho
Matsuyama, 790-8514

The Iyo Bank, Ltd. Executives & BODs

The Iyo Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Kenji Miyoshi
Pres, Group Chief Executive Officer & Director
70
2 Mr. Hiroshi Nagata
MD of HR Division, Funds Operation & Securities Div., Group Chief Financial Officer & CSO and Rep. Director
70
3 Keijiro Joko
Senior Managing Executive Officer & Group Chief information Officer
70
4 Mr. Takeshi Watanabe
Operating Officer & GM of HR Dept, Div Pro Office of HR Dept and Health Mgmt. Pro Office of HR Dept
70
5 Kenji Morioka
Senior Managing Executive Officer
70
6 Shinya Fujita
Managing Executive Officer
70
7 Yasuji Fujita
Managing Executive Officer
70
8 Mr. Hirohisa Senba
MD, Chief Whole Bus. Officer, GM of Corporation Sales Division & Director
70
9 Mr. Tetsuo Takeuchi
Senior MD & Director
70
10 Mr. Hiroshi Suga
IR Contact
70

The Iyo Bank, Ltd. Competitors