Yamaguchi Financial Group, Inc. Logo

Yamaguchi Financial Group, Inc.

8418.T

(3.2)
Stock Price

1.616,50 JPY

0.22% ROA

4.4% ROE

11.85x PER

Market Cap.

330.345.718.934,00 JPY

297.39% DER

3.4% Yield

16.72% NPM

Yamaguchi Financial Group, Inc. Stock Analysis

Yamaguchi Financial Group, 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.

Yamaguchi Financial Group, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.49x), the stock offers substantial upside potential at a bargain price.

2 Assets Growth

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

3 Dividend Growth

Investors can take confidence in the company's impressive track record of annual dividend growth over the last five years, showcasing a commitment to rewarding shareholders.

4 ROE

The stock's ROE falls within an average range (3.13%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.16%) 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.

6 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.

7 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

8 Graham Number

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

9 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.

10 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (1.487), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

11 DER

The stock is burdened with a heavy load of debt (101%), making it financially unstable and potentially risky for investors.

Yamaguchi Financial Group, 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.

Yamaguchi Financial Group, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Yamaguchi Financial Group, 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.

Yamaguchi Financial Group, Inc. Revenue
Year Revenue Growth
2006 119.941.000.000
2007 144.278.000.000 16.87%
2008 147.355.000.000 2.09%
2009 143.721.000.000 -2.53%
2010 141.372.000.000 -1.66%
2011 136.605.000.000 -3.49%
2012 140.911.000.000 3.06%
2013 137.346.000.000 -2.6%
2014 139.070.000.000 1.24%
2015 145.945.000.000 4.71%
2016 145.462.000.000 -0.33%
2017 144.350.000.000 -0.77%
2018 142.919.000.000 -1%
2019 155.896.000.000 8.32%
2020 167.821.000.000 7.11%
2021 131.980.000.000 -27.16%
2022 130.968.000.000 -0.77%
2023 131.136.000.000 0.13%
2023 179.699.000.000 27.02%
2024 195.804.000.000 8.23%

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.

Yamaguchi Financial Group, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2006 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.

Yamaguchi Financial Group, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 67.533.000.000
2007 84.964.000.000 20.52%
2008 86.084.000.000 1.3%
2009 85.944.000.000 -0.16%
2010 91.882.000.000 6.46%
2011 92.190.000.000 0.33%
2012 89.692.000.000 -2.79%
2013 87.288.000.000 -2.75%
2014 85.423.000.000 -2.18%
2015 79.100.000.000 -7.99%
2016 77.867.000.000 -1.58%
2017 72.585.000.000 -7.28%
2018 71.325.000.000 -1.77%
2019 69.271.000.000 -2.97%
2020 64.540.000.000 -7.33%
2021 60.562.000.000 -6.57%
2022 61.155.000.000 0.97%
2023 63.056.000.000 3.01%
2023 63.328.000.000 0.43%
2024 63.584.000.000 0.4%

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.

Yamaguchi Financial Group, Inc. EBITDA
Year EBITDA Growth
2006 13.629.000.000
2007 76.388.000.000 82.16%
2008 58.921.000.000 -29.64%
2009 70.109.000.000 15.96%
2010 62.770.000.000 -11.69%
2011 61.277.000.000 -2.44%
2012 68.721.000.000 10.83%
2013 73.538.000.000 6.55%
2014 72.454.000.000 -1.5%
2015 70.379.000.000 -2.95%
2016 62.544.000.000 -12.53%
2017 61.109.000.000 -2.35%
2018 33.139.000.000 -84.4%
2019 36.503.000.000 9.22%
2020 36.742.000.000 0.65%
2021 -5.633.000.000 752.26%
2022 26.535.000.000 121.23%
2023 29.060.000.000 8.69%
2023 -464.000.000 6362.93%
2024 752.000.000 161.7%

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.

Yamaguchi Financial Group, Inc. Gross Profit
Year Gross Profit Growth
2006 119.941.000.000
2007 144.278.000.000 16.87%
2008 147.355.000.000 2.09%
2009 143.721.000.000 -2.53%
2010 141.372.000.000 -1.66%
2011 136.605.000.000 -3.49%
2012 140.932.000.000 3.07%
2013 137.366.000.000 -2.6%
2014 139.391.000.000 1.45%
2015 145.960.000.000 4.5%
2016 145.518.000.000 -0.3%
2017 144.378.000.000 -0.79%
2018 142.919.000.000 -1.02%
2019 155.896.000.000 8.32%
2020 167.821.000.000 7.11%
2021 131.980.000.000 -27.16%
2022 130.968.000.000 -0.77%
2023 131.136.000.000 0.13%
2023 175.778.000.000 25.4%
2024 211.352.000.000 16.83%

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.

Yamaguchi Financial Group, Inc. Net Profit
Year Net Profit Growth
2006 -23.243.000.000
2007 26.952.000.000 186.24%
2008 13.788.000.000 -95.47%
2009 26.752.000.000 48.46%
2010 19.155.000.000 -39.66%
2011 17.918.000.000 -6.9%
2012 27.233.000.000 34.2%
2013 31.235.000.000 12.81%
2014 30.523.000.000 -2.33%
2015 32.295.000.000 5.49%
2016 31.586.000.000 -2.24%
2017 32.916.000.000 4.04%
2018 23.148.000.000 -42.2%
2019 25.391.000.000 8.83%
2020 24.957.000.000 -1.74%
2021 -13.005.000.000 291.9%
2022 17.894.000.000 172.68%
2023 19.192.000.000 6.76%
2023 25.216.000.000 23.89%
2024 46.004.000.000 45.19%

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.

Yamaguchi Financial Group, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 -102
2007 98 204.08%
2008 49 -104.17%
2009 98 50.52%
2010 71 -36.62%
2011 67 -7.58%
2012 102 35.29%
2013 121 15%
2014 121 0%
2015 132 9.09%
2016 129 -3.13%
2017 111 -15.32%
2018 83 -33.73%
2019 100 17%
2020 100 -1.01%
2021 -53 286.79%
2022 77 168.83%
2023 0 0%
2023 114 100%
2024 212 46.23%

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.

Yamaguchi Financial Group, Inc. Free Cashflow
Year Free Cashflow Growth
2006 -198.026.000.000
2007 -51.086.000.000 -287.63%
2008 1.755.000.000 3010.88%
2009 226.444.000.000 99.22%
2010 259.592.000.000 12.77%
2011 87.847.000.000 -195.5%
2012 119.018.000.000 26.19%
2013 521.491.000.000 77.18%
2014 223.913.000.000 -132.9%
2015 17.013.000.000 -1216.13%
2016 -478.675.000.000 103.55%
2017 -151.780.000.000 -215.37%
2018 -253.822.000.000 40.2%
2019 128.433.000.000 297.63%
2020 1.115.433.000.000 88.49%
2021 -80.638.000.000 1483.26%
2022 -147.812.000.000 45.45%
2023 0 0%
2023 5.247.000.000 100%
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.

Yamaguchi Financial Group, Inc. Operating Cashflow
Year Operating Cashflow Growth
2006 -193.138.000.000
2007 -45.514.000.000 -324.35%
2008 11.192.000.000 506.67%
2009 234.301.000.000 95.22%
2010 273.008.000.000 14.18%
2011 99.542.000.000 -174.26%
2012 122.899.000.000 19.01%
2013 526.103.000.000 76.64%
2014 227.214.000.000 -131.55%
2015 21.810.000.000 -941.79%
2016 -471.709.000.000 104.62%
2017 -140.772.000.000 -235.09%
2018 -247.867.000.000 43.21%
2019 134.051.000.000 284.9%
2020 1.119.300.000.000 88.02%
2021 -77.132.000.000 1551.15%
2022 -143.348.000.000 46.19%
2023 0 0%
2023 13.523.000.000 100%
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.

Yamaguchi Financial Group, Inc. Capital Expenditure
Year Capital Expenditure Growth
2006 4.888.000.000
2007 5.572.000.000 12.28%
2008 9.437.000.000 40.96%
2009 7.857.000.000 -20.11%
2010 13.416.000.000 41.44%
2011 11.695.000.000 -14.72%
2012 3.881.000.000 -201.34%
2013 4.612.000.000 15.85%
2014 3.301.000.000 -39.72%
2015 4.797.000.000 31.19%
2016 6.966.000.000 31.14%
2017 11.008.000.000 36.72%
2018 5.955.000.000 -84.85%
2019 5.618.000.000 -6%
2020 3.867.000.000 -45.28%
2021 3.506.000.000 -10.3%
2022 4.464.000.000 21.46%
2023 0 0%
2023 8.276.000.000 100%
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.

Yamaguchi Financial Group, Inc. Equity
Year Equity Growth
2006 465.241.000.000
2007 431.452.000.000 -7.83%
2008 404.719.000.000 -6.61%
2009 463.997.000.000 12.78%
2010 446.290.000.000 -3.97%
2011 472.405.000.000 5.53%
2012 521.422.000.000 9.4%
2013 521.561.000.000 0.03%
2014 578.386.000.000 9.82%
2015 583.164.000.000 0.82%
2016 617.050.000.000 5.49%
2017 660.448.000.000 6.57%
2018 660.956.000.000 0.08%
2019 630.243.000.000 -4.87%
2020 681.137.000.000 7.47%
2021 636.342.000.000 -7.04%
2022 614.663.000.000 -3.53%
2023 655.736.000.000 6.26%
2023 619.994.000.000 -5.76%
2024 646.332.000.000 4.07%

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.

Yamaguchi Financial Group, Inc. Assets
Year Assets Growth
2006 7.360.262.000.000
2007 7.530.010.000.000 2.25%
2008 7.777.242.000.000 3.18%
2009 8.647.534.000.000 10.06%
2010 8.758.187.000.000 1.26%
2011 9.115.426.000.000 3.92%
2012 9.327.235.000.000 2.27%
2013 9.635.043.000.000 3.19%
2014 10.195.184.000.000 5.49%
2015 10.438.004.000.000 2.33%
2016 10.225.781.000.000 -2.08%
2017 10.366.547.000.000 1.36%
2018 10.304.139.000.000 -0.61%
2019 10.605.415.000.000 2.84%
2020 11.993.722.000.000 11.58%
2021 12.182.662.000.000 1.55%
2022 12.211.645.000.000 0.24%
2023 12.548.539.000.000 2.68%
2023 12.588.555.000.000 0.32%
2024 12.785.571.000.000 1.54%

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.

Yamaguchi Financial Group, Inc. Liabilities
Year Liabilities Growth
2006 6.895.021.000.000
2007 7.098.558.000.000 2.87%
2008 7.372.523.000.000 3.72%
2009 8.183.537.000.000 9.91%
2010 8.311.897.000.000 1.54%
2011 8.643.021.000.000 3.83%
2012 8.805.813.000.000 1.85%
2013 9.113.482.000.000 3.38%
2014 9.616.798.000.000 5.23%
2015 9.854.840.000.000 2.42%
2016 9.608.731.000.000 -2.56%
2017 9.706.099.000.000 1%
2018 9.643.183.000.000 -0.65%
2019 9.975.172.000.000 3.33%
2020 11.312.585.000.000 11.82%
2021 11.546.320.000.000 2.02%
2022 731.025.000.000 -1479.47%
2023 11.892.748.000.000 93.85%
2023 997.249.000.000 -1092.56%
2024 12.139.239.000.000 91.78%

Yamaguchi Financial Group, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
771.77
Net Income per Share
129.04
Price to Earning Ratio
11.85x
Price To Sales Ratio
1.98x
POCF Ratio
77.07
PFCF Ratio
76.9
Price to Book Ratio
0.51
EV to Sales
-0.58
EV Over EBITDA
-4.98
EV to Operating CashFlow
-22.52
EV to FreeCashFlow
-22.52
Earnings Yield
0.08
FreeCashFlow Yield
0.01
Market Cap
330,35 Bil.
Enterprise Value
-96,74 Bil.
Graham Number
2936.96
Graham NetNet
-48865.99

Income Statement Metrics

Net Income per Share
129.04
Income Quality
0.15
ROE
0.04
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.68
EBT Per Ebit
1
Ebit per Revenue
0.24
Effective Tax Rate
0.31

Margins

Sales, General, & Administrative to Revenue
0.38
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.02
Operating Profit Margin
0.24
Pretax Profit Margin
0.24
Net Profit Margin
0.17

Dividends

Dividend Yield
0.03
Dividend Yield %
3.4
Payout Ratio
0
Dividend Per Share
52

Operating Metrics

Operating Cashflow per Share
19.84
Free CashFlow per Share
19.84
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.01
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
7.191,30
Book Value per Share
2.984,67
Tangible Book Value per Share
2951.26
Shareholders Equity per Share
2970.87
Interest Debt per Share
8966.65
Debt to Equity
2.97
Debt to Assets
0.15
Net Debt to EBITDA
-21.99
Current Ratio
939.82
Tangible Asset Value
639,10 Bil.
Net Current Asset Value
-10.581,96 Bil.
Invested Capital
1645060000000
Working Capital
1.555,62 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
5.79

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.

Yamaguchi Financial Group, Inc. Dividends
Year Dividends Growth
2007 9
2008 10 0%
2009 10 10%
2010 10 0%
2011 6 -66.67%
2012 11 45.45%
2013 12 8.33%
2014 14 14.29%
2015 14 0%
2016 10 -40%
2017 18 44.44%
2018 21 14.29%
2019 23 8.7%
2020 25 8%
2021 27 7.41%
2022 29 6.9%
2023 37 21.62%
2024 52 28.85%
2025 0 0%

Yamaguchi Financial Group, Inc. Profile

About Yamaguchi Financial Group, Inc.

Yamaguchi Financial Group, Inc., together with its subsidiaries, provides various banking products and services in Japan. It provides securities brokerage, credit card, leasing, consulting, and other services. The company was incorporated in 2006 and is headquartered in Shimonoseki, Japan.

CEO
Mr. Keisuke Mukunashi
Employee
3.761
Address
2-36, 4-chome Takezaki-cho
Shimonoseki, 750-8603

Yamaguchi Financial Group, Inc. Executives & BODs

Yamaguchi Financial Group, Inc. Executives & BODs
# Name Age
1 Hajime Nishino
Executive Officer, GM of Compliance & Risk Management Headquarters
70
2 Shuji Tanabe
Senior Managing Executive Officer and GM of Audit & Inspection Department
70
3 Hamada Koji
Managing Executive Officer, GM of Innovation Inv Strategy Business Hq & Inv. Co-creation Dept
70
4 Mr. Keisuke Mukunashi
President, Group Chief Executive Officer & Representative Director
70
5 Hideyuki Fujimura
Managing Executive Officer & Head of Financial Business Headquarters
70
6 Naoki Murata
Executive Officer & Head of Regional Co-creation Business Headquarters
70

Yamaguchi Financial Group, Inc. Competitors