XJPX7186
Market cap6.44bUSD
Dec 24, Last price
873.10JPY
Name
Concordia Financial Group Ltd
Chart & Performance
P/E
15.19
P/S
3.55
EPS
57.49
Div Yield, %
2.37%
Shrs. gr., 5y
-0.59%
Rev. gr., 5y
1.16%
Revenues
286.58b
+7.39%
Net income
66.93b
+19.18%
CFO
-2.32t
L
Dividend
Mar 28, 20250 JPY/sh
Profile
Concordia Financial Group, Ltd. provides various banking products and services to small and medium-sized businesses and individuals. The company offers various deposit and loan products; and securities, leasing, survey research and other information, venture capital, and other financial services. It operates through a network of 205 branches and 5 overseas locations; and sub-branches, ATMs, and representative offices in Japan and internationally. Concordia Financial Group, Ltd. was incorporated in 2016 and is headquartered in Tokyo, 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 | 286,581,000 7.39% | 266,860,000 0.74% | 264,887,000 -1.49% | ||||||
Cost of revenue | 135,682,000 | 125,540,000 | 131,131,000 | ||||||
Unusual Expense (Income) | |||||||||
NOPBT | 150,899,000 | 141,320,000 | 133,756,000 | ||||||
NOPBT Margin | 52.65% | 52.96% | 50.50% | ||||||
Operating Taxes | 24,208,000 | 24,327,000 | 24,238,000 | ||||||
Tax Rate | 16.04% | 17.21% | 18.12% | ||||||
NOPAT | 126,691,000 | 116,993,000 | 109,518,000 | ||||||
Net income | 66,931,000 19.18% | 56,159,000 4.23% | 53,881,000 112.75% | ||||||
Dividends | (24,122,000) | (23,301,000) | (20,552,000) | ||||||
Dividend yield | 2.68% | 4.03% | 3.72% | ||||||
Proceeds from repurchase of equity | (6,903,000) | (13,631,000) | (3,339,000) | ||||||
BB yield | 0.77% | 2.36% | 0.60% | ||||||
| Debt | |||||||||
Debt current | 675,683,000 | 2,673,229,000 | 2,420,731,000 | ||||||
Long-term debt | 1,840,612,000 | 4,269,539,000 | 3,180,442,000 | ||||||
Deferred revenue | (16,343,000) | (16,358,000) | |||||||
Other long-term liabilities | 4,463,356,000 | (1,834,761,000) | 19,715,726,000 | ||||||
Net debt | (1,617,494,000) | (2,379,676,000) | (2,786,189,000) | ||||||
| Cash flow | |||||||||
Cash from operating activities | (2,324,951,000) | 965,540,000 | 1,247,289,000 | ||||||
CAPEX | (9,353,000) | (12,289,000) | (17,263,000) | ||||||
Cash from investing activities | (287,044,000) | (148,046,000) | 218,750,000 | ||||||
Cash from financing activities | 56,439,000 | (56,934,000) | (43,912,000) | ||||||
FCF | 9,627,183,000 | 2,599,772,000 | 466,390,000 | ||||||
| Balance | |||||||||
Cash | 4,133,789,000 | 6,426,095,000 | 5,637,213,000 | ||||||
Long term investments | 2,896,349,000 | 2,750,149,000 | |||||||
Excess cash | 4,119,459,950 | 9,309,101,000 | 8,374,117,650 | ||||||
Stockholders' equity | 1,061,687,000 | 2,052,770,000 | 2,023,158,000 | ||||||
Invested Capital | 7,202,731,000 | 8,157,240,000 | 2,934,489,000 | ||||||
ROIC | 1.65% | 2.11% | 2.52% | ||||||
ROCE | 1.83% | 1.38% | 2.69% | ||||||
| EV | |||||||||
Common stock shares outstanding | 1,170,889 | 1,184,931 | 1,206,089 | ||||||
Price | 769.80 57.75% | 488.00 6.55% | 458.00 2.00% | ||||||
Market cap | 901,350,352 55.88% | 578,246,328 4.68% | 552,388,762 2.01% | ||||||
EV | (710,076,648) | (674,096,672) | (1,126,192,238) | ||||||
EBITDA | 164,167,000 | 154,472,000 | 147,480,000 | ||||||
EV/EBITDA | |||||||||
Interest | 54,129,000 | 29,247,000 | 5,409,000 | ||||||
Interest/NOPBT | 35.87% | 20.70% | 4.04% | ||||||