XJPX5830
Market cap2.90bUSD
Dec 25, Last price
1,520.50JPY
1D
-1.87%
1Q
10.90%
Name
Iyo Bank Ltd
Chart & Performance
P/E
11.54
P/S
3.27
EPS
131.70
Div Yield, %
1.29%
Shrs. gr., 5y
-0.68%
Rev. gr., 5y
3.45%
Revenues
139.16b
-5.51%
Net income
39.46b
+41.45%
CFO
167.63b
P
Dividend
Mar 28, 20250 JPY/sh
Profile
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.
Valuation
Title JPY in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|---|
| 2024‑03 | 2023‑03 | 2022‑03 | 2021‑03 | 2020‑03 | 2019‑03 | 2018‑03 | 2017‑03 | 2016‑03 | |
| Income | |||||||||
Revenues | 139,156,000 -5.51% | 147,278,000 16.18% | 126,768,000 5.47% | ||||||
Cost of revenue | 6,849,000 | 50,546,000 | |||||||
Unusual Expense (Income) | |||||||||
NOPBT | 132,307,000 | 96,732,000 | 126,768,000 | ||||||
NOPBT Margin | 95.08% | 65.68% | 100.00% | ||||||
Operating Taxes | 18,630,000 | 12,171,000 | 11,149,000 | ||||||
Tax Rate | 14.08% | 12.58% | 8.79% | ||||||
NOPAT | 113,677,000 | 84,561,000 | 115,619,000 | ||||||
Net income | 39,464,000 41.45% | 27,899,000 5.61% | 26,418,000 46.05% | ||||||
Dividends | (5,868,000) | (5,051,000) | (4,754,000) | ||||||
Dividend yield | 1.63% | 2.14% | |||||||
Proceeds from repurchase of equity | (5,226,000) | 203,616,000 | |||||||
BB yield | 1.45% | -86.45% | |||||||
| Debt | |||||||||
Debt current | 367,491,000 | 761,649,000 | |||||||
Long-term debt | 468,333,000 | 686,413,000 | 212,406,000 | ||||||
Deferred revenue | 595,352,000 | 2,865,318,000 | |||||||
Other long-term liabilities | 3,106,372,000 | (685,115,000) | 129,569,000 | ||||||
Net debt | (713,495,000) | (1,812,353,000) | 2,474,197,000 | ||||||
| Cash flow | |||||||||
Cash from operating activities | 167,631,000 | (368,753,000) | 6,774,000 | ||||||
CAPEX | (6,269,000) | (8,406,000) | (5,771,000) | ||||||
Cash from investing activities | (481,437,000) | 234,070,000 | 89,178,000 | ||||||
Cash from financing activities | 117,652,000 | (12,804,000) | 1,885,000 | ||||||
FCF | 2,715,860,000 | (2,572,206,000) | 278,971,000 | ||||||
| Balance | |||||||||
Cash | 1,169,948,000 | 1,367,081,000 | (1,518,027,000) | ||||||
Long term investments | 11,880,000 | 1,499,176,000 | 17,885,000 | ||||||
Excess cash | 1,174,870,200 | 2,858,893,100 | |||||||
Stockholders' equity | 824,225,000 | 735,929,000 | 716,376,000 | ||||||
Invested Capital | 3,591,861,000 | 3,830,662,000 | 4,699,305,000 | ||||||
ROIC | 3.06% | 1.98% | 2.42% | ||||||
ROCE | 3.00% | 2.08% | 2.65% | ||||||
| EV | |||||||||
Common stock shares outstanding | 306,293 | 313,193 | 317,042 | ||||||
Price | 1,173.00 55.98% | 752.00 | |||||||
Market cap | 359,281,689 52.55% | 235,521,136 | |||||||
EV | (353,924,311) | (1,576,522,864) | |||||||
EBITDA | 138,686,000 | 102,873,000 | 131,845,000 | ||||||
EV/EBITDA | |||||||||
Interest | 50,917,000 | 20,822,000 | 239,000 | ||||||
Interest/NOPBT | 38.48% | 21.53% | 0.19% | ||||||