Juroku Bank Ltd

Chart & Performance

D1W1MN

P/E

8.36

P/S

1.39

EPS

516.79

Div Yield, %

3.17%

Shrs. gr., 5y

-0.54%

Rev. gr., 5y

2.32%

Revenues

116.07b

+11.25%

Net income

19.32b

+3.69%

CFO

35.01b

Dividend

Mar 28, 20250 JPY/sh

Profile

Juroku Financial Group,Inc. provides various banking products and services in Japan. The company offers deposit products, including checking, ordinary, savings, notification, time, special, tax reserve, non-resident yen, and foreign currency deposits, as well as the certificate of deposit. It also provides bill loans, certificate loans and overdrafts, discounts on bills, commercial bills, bills of exchange, discounts on bank underwriting bills, electronic recorded receivables, and commodity securities trading services; protective custody and leasing services; safe deposit boxes; and invests in government, municipal, and corporate bonds, as well as stocks. In addition, the company is involved in the remittance exchange and forex business, which include export, import, and other foreign exchange services; transactions related to interest rate swaps, coupon swaps and currency options; agency business, including public money handling; acceptance and storage of stock payments, stock dividends, public and corporate bond principal, and interest payment agency business; agency loan and trust agency business; financial product brokerage business; debt guarantee; underwriting of public bonds; and sale of public bonds, insurance, and investment trusts at the counter. Further, it provides credit cards, computer services, and credit guarantees. The company operates through a network of 149 branches, 12 branch offices, 16 loan centers, 1 ancillary business handling office, 4 overseas representative offices, and 239 ATMs. Juroku Financial Group,Inc. was founded in 1877 and is headquartered in Gifu, Japan.

URL

https://www.juroku.co.jp/

IPO date

Oct 01, 1969

Employees

Domiciled in

Incorporated in

Valuation

Order:

Title JPY in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title JPY in thousands, except ratios and share amounts	2024‑03	2023‑03	2022‑03	2021‑03	2020‑03	2019‑03	2018‑03	2017‑03	2016‑03	2015‑03
Income
Revenues	116,071,000 11.25%	104,335,000 -6.23%	111,267,000 0.70%
Cost of revenue	57,671,000	42,239,000	44,560,000
Unusual Expense (Income)
NOPBT	58,400,000	62,096,000	66,707,000
NOPBT Margin	50.31%	59.52%	59.95%
Operating Taxes	8,281,000	8,236,000	8,957,000
Tax Rate	14.18%	13.26%	13.43%
NOPAT	50,119,000	53,860,000	57,750,000
Net income	19,318,000 3.69%	18,630,000 8.37%	17,191,000 16.76%
Dividends	(5,115,000)	(4,806,000)	(3,924,000)
Dividend yield	2.93%	4.62%	4.83%
Proceeds from repurchase of equity	(1,428,000)	1,198,596,000	(1,007,602,000)
BB yield	0.82%	-1,151.50%	1,240.89%
Debt
Debt current		321,665,000	1,448,986,000
Long-term debt	224,449,000	329,538,000	1,405,797,000
Deferred revenue		316,258,000	1,384,059,000
Other long-term liabilities	1,886,471,000	(329,538,000)	(1,405,797,000)
Net debt	(749,494,000)	(1,565,333,000)	(740,249,000)
Cash flow
Cash from operating activities	35,014,000	(1,369,207,000)	1,124,175,000
CAPEX	(2,082,000)	(2,571,000)	(3,365,000)
Cash from investing activities	(72,538,000)	(8,184,000)	82,701,000
Cash from financing activities	115,211,000	(5,921,000)	(7,116,000)
FCF	(2,807,026,000)	2,911,759,000	(2,052,917,000)
Balance
Cash	973,943,000	751,946,000	2,135,695,000
Long term investments		1,464,590,000	1,459,337,000
Excess cash	968,139,450	2,211,319,250	3,589,468,650
Stockholders' equity	393,395,000	333,692,000	343,016,000
Invested Capital	7,141,643,000	2,422,232,000	3,732,372,000
ROIC	1.05%	1.75%	1.76%
ROCE	0.78%	2.24%	1.63%
EV
Common stock shares outstanding	36,411	36,859	37,402
Price	4,790.00 69.62%	2,824.00 30.08%	2,171.00
Market cap	174,408,690 67.56%	104,089,816 28.19%	81,199,742
EV	(570,959,310)	(1,457,406,184)	(655,344,258)
EBITDA	62,127,000	65,586,000	70,522,000
EV/EBITDA
Interest	6,616,000	2,768,000	317,000
Interest/NOPBT	11.33%	4.46%	0.48%