Bank of Saga Ltd

Chart & Performance

D1W1MN

P/E

5.85

P/S

0.76

EPS

368.12

Div Yield, %

3.23%

Shrs. gr., 5y

0.17%

Rev. gr., 5y

2.34%

Revenues

47.87b

+13.96%

Net income

6.22b

+13.24%

CFO

-24.61b

L-86.96%

Dividend

Mar 28, 20250 JPY/sh

Profile

The Bank of Saga Ltd. provides various banking products and services in Japan. The company offers checking accounts, savings accounts, ordinary deposits, notification deposits, time deposits, separate deposits, tax reserve deposits, non-resident yen deposits, foreign currency deposits, etc.; and mortgage, auto, education, and card loans, as well as discount bolls. It also invests in government bonds, municipal bonds, corporate bonds, stocks, and other securities to prepare and fund deposits; offers remittances, transfers, and collections; and provides export, import, and other foreign exchange services, as well as engages in bond contracting and registration, and financial futures trading businesses. In addition, the company is involved in protection and safe deposit box, securities lending, debt guarantee, public bonds underwriting, public bonds sales, card, commercial paper, defined contribution pension, and life insurance agency businesses. As of March 31, 2021, it operated through a network of 103 branches and 78 out-of-brach ATMs. The company was founded in 1882 and is headquartered in Saga, Japan.

URL

https://www.sagabank.co.jp/

IPO date

Oct 07, 1974

Employees

1,308

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	47,871,000 13.96%	42,006,000 4.23%	40,301,000 7.93%
Cost of revenue	24,692,000	19,903,000	20,460,000
Unusual Expense (Income)
NOPBT	23,179,000	22,103,000	19,841,000
NOPBT Margin	48.42%	52.62%	49.23%
Operating Taxes	1,472,000	2,078,000	2,598,000
Tax Rate	6.35%	9.40%	13.09%
NOPAT	21,707,000	20,025,000	17,243,000
Net income	6,218,000 13.24%	5,491,000 34.72%	4,076,000 65.35%
Dividends	(1,174,000)	(1,173,000)	(1,173,000)
Dividend yield	3.23%	4.27%	4.74%
Proceeds from repurchase of equity	(1,000)	136,247,000	(39,845,000)
BB yield	0.00%	-496.33%	161.10%
Debt
Debt current		68,324,000	204,184,000
Long-term debt		6,442,000	160,028,000
Deferred revenue		(3,128,000)	(3,208,000)
Other long-term liabilities	3,038,206,000	65,692,000	2,888,213,000
Net debt	(201,844,000)	(697,626,000)	(602,774,000)
Cash flow
Cash from operating activities	(24,613,000)	(188,817,000)	(1,987,000)
CAPEX	(1,583,000)	(1,355,000)	(1,166,000)
Cash from investing activities	14,545,000	(43,722,000)	(67,446,000)
Cash from financing activities	143,863,000	(1,184,000)	(1,183,000)
FCF	(1,856,744,000)	2,080,630,000	(30,121,000)
Balance
Cash	201,844,000	72,968,000	301,833,000
Long term investments		699,424,000	665,153,000
Excess cash	199,450,450	770,291,700	964,970,950
Stockholders' equity	110,085,000	205,647,000	208,388,000
Invested Capital	3,050,684,000	764,561,000	962,614,000
ROIC	1.14%	2.32%	1.83%
ROCE	0.73%	2.27%	1.69%
EV
Common stock shares outstanding	16,967	16,945	16,917
Price	2,139.00 32.04%	1,620.00 10.81%	1,462.00 -0.95%
Market cap	36,292,413 32.21%	27,450,900 10.99%	24,732,654 -0.77%
EV	(165,551,587)	(560,893,100)	(473,090,346)
EBITDA	24,186,000	22,945,000	20,831,000
EV/EBITDA
Interest	3,275,000	2,468,000	392,000
Interest/NOPBT	14.13%	11.17%	1.98%