Seven Bank, Ltd. Logo

Seven Bank, Ltd.

8410.T

(2.0)
Stock Price

339,80 JPY

1.83% ROA

11.42% ROE

11.31x PER

Market Cap.

354.020.114.152,00 JPY

46.37% DER

3.64% Yield

17.28% NPM

Seven Bank, Ltd. Stock Analysis

Seven 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.

Seven Bank, Ltd. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (45%), which means it has a small amount of debt compared to the ownership it holds

2 ROE

ROE in an average range (7.73%) suggests satisfactory profitability and decent utilization of shareholders' equity.

3 ROA

The stock's ROA (1.55%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 PBV

The stock's PBV ratio (1.46x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

5 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Dividend

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

7 Buffet Intrinsic Value

The company's stock seems undervalued (1.651) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Revenue Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 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.

Seven 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.

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

Seven 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.

Seven Bank, Ltd. Revenue
Year Revenue Growth
2005 59.132.000.000
2006 67.400.000.000 12.27%
2007 72.464.000.000 6.99%
2008 77.799.000.000 6.86%
2009 76.851.000.000 -1.23%
2010 71.795.000.000 -7.04%
2011 75.682.000.000 5.14%
2012 81.109.000.000 6.69%
2013 87.481.000.000 7.28%
2014 93.597.000.000 6.53%
2015 97.025.000.000 3.53%
2016 97.527.000.000 0.51%
2017 100.354.000.000 2.82%
2018 107.353.000.000 6.52%
2019 107.575.000.000 0.21%
2020 101.368.000.000 -6.12%
2021 100.250.000.000 -1.12%
2022 111.911.000.000 10.42%
2023 154.492.000.000 27.56%
2023 195.487.000.000 20.97%
2024 205.096.000.000 4.69%

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.

Seven 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%
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.

Seven Bank, Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 39.565.000.000
2006 41.574.000.000 4.83%
2007 47.379.000.000 12.25%
2008 48.891.000.000 3.09%
2009 46.256.000.000 -5.7%
2010 44.321.000.000 -4.37%
2011 46.075.000.000 3.81%
2012 48.809.000.000 5.6%
2013 51.693.000.000 5.58%
2014 56.419.000.000 8.38%
2015 59.757.000.000 5.59%
2016 60.781.000.000 1.68%
2017 61.645.000.000 1.4%
2018 66.070.000.000 6.7%
2019 62.813.000.000 -5.19%
2020 64.308.000.000 2.32%
2021 70.245.000.000 8.45%
2022 80.195.000.000 12.41%
2023 109.540.000.000 26.79%
2023 108.084.000.000 -1.35%
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.

Seven Bank, Ltd. EBITDA
Year EBITDA Growth
2005 21.545.000.000
2006 27.952.000.000 22.92%
2007 37.580.000.000 25.62%
2008 46.897.000.000 19.87%
2009 45.327.000.000 -3.46%
2010 40.611.000.000 -11.61%
2011 43.585.000.000 6.82%
2012 47.176.000.000 7.61%
2013 50.178.000.000 5.98%
2014 55.282.000.000 9.23%
2015 58.069.000.000 4.8%
2016 57.223.000.000 -1.48%
2017 56.975.000.000 -0.44%
2018 25.749.000.000 -121.27%
2019 39.837.000.000 35.36%
2020 35.823.000.000 -11.21%
2021 27.298.000.000 -31.23%
2022 27.717.000.000 1.51%
2023 119.824.000.000 76.87%
2023 15.164.000.000 -690.19%
2024 108.000.000 -13940.74%

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.

Seven Bank, Ltd. Gross Profit
Year Gross Profit Growth
2005 59.132.000.000
2006 67.400.000.000 12.27%
2007 72.464.000.000 6.99%
2008 77.799.000.000 6.86%
2009 76.851.000.000 -1.23%
2010 71.795.000.000 -7.04%
2011 75.682.000.000 5.14%
2012 81.109.000.000 6.69%
2013 87.481.000.000 7.28%
2014 93.597.000.000 6.53%
2015 97.025.000.000 3.53%
2016 97.527.000.000 0.51%
2017 100.354.000.000 2.82%
2018 107.353.000.000 6.52%
2019 107.575.000.000 0.21%
2020 101.368.000.000 -6.12%
2021 100.250.000.000 -1.12%
2022 111.911.000.000 10.42%
2023 154.492.000.000 27.56%
2023 195.487.000.000 20.97%
2024 205.096.000.000 4.69%

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.

Seven Bank, Ltd. Net Profit
Year Net Profit Growth
2005 10.590.000.000
2006 12.667.000.000 16.4%
2007 13.830.000.000 8.41%
2008 16.988.000.000 18.59%
2009 17.953.000.000 5.38%
2010 16.008.000.000 -12.15%
2011 17.267.000.000 7.29%
2012 19.377.000.000 10.89%
2013 21.236.000.000 8.75%
2014 23.220.000.000 8.54%
2015 24.716.000.000 6.05%
2016 25.114.000.000 1.58%
2017 25.301.000.000 0.74%
2018 13.236.000.000 -91.15%
2019 26.162.000.000 49.41%
2020 25.905.000.000 -0.99%
2021 20.827.000.000 -24.38%
2022 18.854.000.000 -10.46%
2023 109.200.000.000 82.73%
2023 31.970.000.000 -241.57%
2024 18.576.000.000 -72.1%

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.

Seven Bank, Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 9
2006 11 20%
2007 12 9.09%
2008 14 15.38%
2009 15 7.14%
2010 13 -7.69%
2011 14 7.14%
2012 16 12.5%
2013 18 5.88%
2014 19 10.53%
2015 21 5%
2016 21 4.76%
2017 21 0%
2018 11 -90.91%
2019 22 50%
2020 22 0%
2021 18 -29.41%
2022 16 -6.25%
2023 0 0%
2023 27 100%
2024 16 -80%

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.

Seven Bank, Ltd. Free Cashflow
Year Free Cashflow Growth
2005 40.214.000.000
2006 24.214.000.000 -66.08%
2007 33.311.000.000 27.31%
2008 17.721.000.000 -87.97%
2009 20.913.000.000 15.26%
2010 113.813.000.000 81.63%
2011 -10.336.000.000 1201.13%
2012 96.690.000.000 110.69%
2013 67.894.000.000 -42.41%
2014 78.090.000.000 13.06%
2015 48.527.000.000 -60.92%
2016 72.150.000.000 32.74%
2017 12.071.000.000 -497.71%
2018 105.686.000.000 88.58%
2019 73.972.000.000 -42.87%
2020 110.795.000.000 33.24%
2021 17.026.000.000 -550.74%
2022 41.258.000.000 58.73%
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.

Seven Bank, Ltd. Operating Cashflow
Year Operating Cashflow Growth
2005 47.212.000.000
2006 39.750.000.000 -18.77%
2007 54.523.000.000 27.09%
2008 32.662.000.000 -66.93%
2009 30.527.000.000 -6.99%
2010 125.487.000.000 75.67%
2011 1.401.000.000 -8856.96%
2012 118.550.000.000 98.82%
2013 91.940.000.000 -28.94%
2014 99.931.000.000 8%
2015 66.482.000.000 -50.31%
2016 88.118.000.000 24.55%
2017 31.466.000.000 -180.04%
2018 117.471.000.000 73.21%
2019 89.619.000.000 -31.08%
2020 136.039.000.000 34.12%
2021 41.311.000.000 -229.3%
2022 66.577.000.000 37.95%
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.

Seven Bank, Ltd. Capital Expenditure
Year Capital Expenditure Growth
2005 6.998.000.000
2006 15.536.000.000 54.96%
2007 21.212.000.000 26.76%
2008 14.941.000.000 -41.97%
2009 9.614.000.000 -55.41%
2010 11.674.000.000 17.65%
2011 11.737.000.000 0.54%
2012 21.860.000.000 46.31%
2013 24.046.000.000 9.09%
2014 21.841.000.000 -10.1%
2015 17.955.000.000 -21.64%
2016 15.968.000.000 -12.44%
2017 19.395.000.000 17.67%
2018 11.785.000.000 -64.57%
2019 15.647.000.000 24.68%
2020 25.244.000.000 38.02%
2021 24.285.000.000 -3.95%
2022 25.319.000.000 4.08%
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.

Seven Bank, Ltd. Equity
Year Equity Growth
2005 67.080.000.000
2006 73.849.000.000 9.17%
2007 88.974.000.000 17%
2008 98.393.000.000 9.57%
2009 109.939.000.000 10.5%
2010 114.539.000.000 4.02%
2011 125.627.000.000 8.83%
2012 138.044.000.000 8.99%
2013 153.406.000.000 10.01%
2014 169.888.000.000 9.7%
2015 184.793.000.000 8.07%
2016 199.077.000.000 7.18%
2017 212.023.000.000 6.11%
2018 212.886.000.000 0.41%
2019 222.830.000.000 4.46%
2020 234.675.000.000 5.05%
2021 244.111.000.000 3.87%
2022 254.240.000.000 3.98%
2023 275.856.000.000 7.84%
2023 284.249.000.000 2.95%
2024 275.125.000.000 -3.32%

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.

Seven Bank, Ltd. Assets
Year Assets Growth
2005 361.338.000.000
2006 532.757.000.000 32.18%
2007 488.137.000.000 -9.14%
2008 493.360.000.000 1.06%
2009 502.782.000.000 1.87%
2010 600.061.000.000 16.21%
2011 652.956.000.000 8.1%
2012 812.531.000.000 19.64%
2013 790.377.000.000 -2.8%
2014 856.415.000.000 7.71%
2015 915.385.000.000 6.44%
2016 957.792.000.000 4.43%
2017 1.022.485.000.000 6.33%
2018 1.141.926.000.000 10.46%
2019 1.085.885.000.000 -5.16%
2020 1.197.158.000.000 9.29%
2021 1.221.623.000.000 2%
2022 1.312.273.000.000 6.91%
2023 1.717.818.000.000 23.61%
2023 1.789.070.000.000 3.98%
2024 1.709.894.000.000 -4.63%

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.

Seven Bank, Ltd. Liabilities
Year Liabilities Growth
2005 294.258.000.000
2006 458.908.000.000 35.88%
2007 399.163.000.000 -14.97%
2008 394.967.000.000 -1.06%
2009 392.843.000.000 -0.54%
2010 485.522.000.000 19.09%
2011 527.329.000.000 7.93%
2012 674.487.000.000 21.82%
2013 636.971.000.000 -5.89%
2014 686.527.000.000 7.22%
2015 730.592.000.000 6.03%
2016 758.715.000.000 3.71%
2017 810.462.000.000 6.38%
2018 929.040.000.000 12.76%
2019 863.055.000.000 -7.65%
2020 962.483.000.000 10.33%
2021 977.512.000.000 1.54%
2022 94.958.000.000 -929.42%
2023 1.441.956.000.000 93.41%
2023 1.504.821.000.000 4.18%
2024 1.434.761.000.000 -4.88%

Seven Bank, Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
154.87
Net Income per Share
26.76
Price to Earning Ratio
11.31x
Price To Sales Ratio
1.95x
POCF Ratio
10.43
PFCF Ratio
10.43
Price to Book Ratio
1.31
EV to Sales
7.8
EV Over EBITDA
47.59
EV to Operating CashFlow
41.65
EV to FreeCashFlow
41.65
Earnings Yield
0.09
FreeCashFlow Yield
0.1
Market Cap
354,02 Bil.
Enterprise Value
1.413,32 Bil.
Graham Number
372.93
Graham NetNet
-2024.69

Income Statement Metrics

Net Income per Share
26.76
Income Quality
1.06
ROE
0.11
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.71
EBT Per Ebit
1.02
Ebit per Revenue
0.24
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.48
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.24
Pretax Profit Margin
0.24
Net Profit Margin
0.17

Dividends

Dividend Yield
0.04
Dividend Yield %
3.64
Payout Ratio
0
Dividend Per Share
11

Operating Metrics

Operating Cashflow per Share
29.01
Free CashFlow per Share
29.01
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.08
Return on Tangible Assets
0.02
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
-798,32
Book Value per Share
235,17
Tangible Book Value per Share
235.17
Shareholders Equity per Share
231.01
Interest Debt per Share
108.21
Debt to Equity
0.46
Debt to Assets
0.07
Net Debt to EBITDA
35.67
Current Ratio
24.35
Tangible Asset Value
275,13 Bil.
Net Current Asset Value
-460,79 Bil.
Invested Capital
975800000000
Working Capital
933,97 Bil.
Intangibles to Total Assets
0
Average Receivables
67,17 Bil.
Average Payables
21,21 Bil.
Average Inventory
-561636000000
Debt to Market Cap
0.35

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.

Seven Bank, Ltd. Dividends
Year Dividends Growth
2010 2.600
2011 5.200 50%
2012 4 -129900%
2013 7 42.86%
2014 8 0%
2015 8 12.5%
2016 9 0%
2017 10 11.11%
2018 10 10%
2019 12 9.09%
2020 11 0%
2021 11 0%
2022 11 0%
2023 11 0%
2024 11 0%
2025 0 0%

Seven Bank, Ltd. Profile

About Seven Bank, Ltd.

Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. It accepts accounts, and ordinary and time deposits; and offers personal loans, as well as debit and credit card, debit, debt, money transfer, Internet banking, ATM, and other services. The company also provides back-office support services for financial institutions; and security services. The company was incorporated in 2001 and is headquartered in Tokyo, Japan.

CEO
Mr. Masaaki Matsuhashi
Employee
1.301
Address
1-6-1, Marunouchi
Tokyo, 100-0005

Seven Bank, Ltd. Executives & BODs

Seven Bank, Ltd. Executives & BODs
# Name Age
1 Mr. Hideki Kakishima
Assistant General Manager
70
2 Hiroshi Takeuchi
Managing Executive Officer & GM of ATM Platform Promotion Department
70
3 Koji Fukasawa
Managing Executive Officer
70
4 Tsuneo Nagashima
Managing Executive Officer & GM of Global Business Division
70
5 Kenjiro Nishii
Managing Executive Officer
70
6 Noriko Iguchi
Managing Executive Officer
70
7 Mr. Masaaki Matsuhashi
President & Representative Director
70
8 Ken Shimizu
Managing Executive Officer
70
9 Mr. Kazutaka Inagaki
Managing Executive Officer
70
10 Tomoaki Nakayama
Managing Executive Officer
70

Seven Bank, Ltd. Competitors