Concordia Financial Group, Ltd.

OTC

CRDIY

Stock

Yield per half year: +29.46%
Dividend yield: 4.87%
Sector: Financials

Reporting Concordia Financial Group, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥									4.93
Выручка, млрд ¥	317.92	301.32	272.73	274.67	270.63	32 226.15	35 440.33	286.58	286.58	13699.67	0.85
Чистая прибыль, млрд ¥	126.66	66.41	54.29	46.54	25.33	6 555.16	7 458.19	66.93	66.93	2830.43	7.54
Баланс стоимость, млрд ¥	1 108.9	1 148.82	1 155.06	1 098.61	1 153.2	140 958.17	1 155.44	1 278.7	1 278.7	29128.82	3.08
FCF, млрд ¥		-623.62	227.48	-311.87	2 023.61	1 230.03	953.25	-2 234.91	-2 234.91	332.02	48.27
Операционный денежный поток, млрд ¥	546.55	-1 058.69	-249.44	-620.33	346.88	89.84	965.54	-2 217.49	-2 217.49	-287.1120	29.02
Операционная прибыль, млрд ¥	96.57									96.57	0.00
Операционные расходы, млрд ¥	221.35									221.35	0.00
CAPEX, млрд ¥	10.81	12.21	11.59	9.58	10.1	12.32	12.29	17.43	17.43	12.34	12.72

	2017Q1	2017Q2	2017Q3	2017Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
Выручка, млрд ¥					63.12	65.32	67.3	67.77	65.17	66.62	9 896.32	75.18	66.83	76	2036.19	2.67
Чистая прибыль, млрд ¥					14.16	3.84	17.32	12.04	16.42	10.38	2 939.38	17.47	16.08	13.01	599.26	4.62
Баланс стоимость, млрд ¥					1 177.74	1 158.62	1 137.01	1 134.22	1 132.54	1 155.44	173 331.96	1 213.02	1 223.14	1 278.7	35640.45	2.05
Операционная прибыль, млрд ¥	27.31	28.7	22.43	23.47											25.48	-3.72
Операционные расходы, млрд ¥	55.26	48.48	52.6	58.87											53.80	1.59

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	3 207.13	2 954.29	2 969.31	2 635.52	4 173.81	685 823.21	6 426.1	4 133.79	4 133.79	140638.49	9.42
Long term investments ¥	2 760.02	2 407.1	2 526.41	2 483.14	3 032.55	2 750.15	2 896.35			2737.72	2.77
Total Receivables ¥		24.11	22.47							23.29	-3.46
Total Current Assets ¥	3 356.66	3 238.43	3 220.21	2 710.14	4 249.61	694 688.57				141621.39	192.61
Чистые активы, млрд ¥	158.23	163.57	166.86	167.48	166.8	20 418.68				4216.68	162.58
Активы, млрд ¥	18 739.93	18 660.58	18 947.1	18 927.94	21 577.4	2 927 235.41	25 729.55	24 381.71	24 381.71	18708.72	5.19
Long Term Debt ¥	1 026.58									1026.58	0.00
Задолженность, млрд ¥	17 626.23	17 506.58	17 786.95	17 823.97	20 418.3	2 785 547.28	24 568.3	23 096.95	23 096.95	17738.50	5.32
Долг, млрд ¥									2 450
Interest income ¥		202.23	185.53	172.75	164.71	172.12	197.06			178.43	1.21
Расходы на обслуживание долга ¥			18.88	17.02	6.15	658.06	3 884.15	54.13	54.13	923.90	26.04
Чист. проц. доходы, млрд ¥		189.84	166.65	155.73	158.56	166.71	167.81			163.09	0.14
Goodwill ¥	0.183	0.054	0.014							0.0837	-57.55

	2017Q1	2017Q2	2017Q3	2017Q4	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
Наличность, млрд ¥									5 334.95	5 637.21	5 520.69	5 109.05	5 624.69	6 426.1	633 235.28	3 885.11	3 880.8	4 133.79	130312.22	-8.45
Long term investments ¥								2 846.36	2 709.07	2 750.15	2 745.18	2 753.14	2 780.63	2 896.35	2 965.44	2 940.08	2 927.48		2902.00	1.03
Total Current Assets ¥					3 588.24	4 249.61	4 406.59	4 791.73	5 407.68	5 710.08	5 593.18	5 181.56	5 692.66		642 498.7				132935.24	157.19
Чистые активы, млрд ¥					165.23	166.8	167.63	167.21	165.62	167.83	166.48	165.48	164.08		24 210.88				4974.95	170.29
Активы, млрд ¥									23 457.95	24 060.79	24 130.36	23 900.59	24 672.29	25 729.55	3 510 123.22	23 941.33	23 933.66	24 381.71	20299.25	-1.07
Long Term Debt ¥	1 026.58	1 078.94	1 092.97	1 076.12															1068.65	1.19
Задолженность, млрд ¥									22 274.23	22 896.17	22 987.56	22 760.53	23 533.92	24 568.3	3 335 944.74	22 722.38	22 704.54	23 096.95	19285.43	-1.23
Interest income ¥								42.51	44.71	43.91	44.89	48.08	49.64	54.46	57.62	61.75	57.58		56.21	3.01
Расходы на обслуживание долга ¥									1.33	1.49	2.65	5.73	9.32	11.55	1 925.28	13.38	13.18	14.23	395.52	4.26
Чист. проц. доходы, млрд ¥								41.24	43.38	42.41	42.24	42.35	40.32	42.91	44.28	48.37	44.4		44.06	1.95
Goodwill ¥	0.183																		0.1830	0.00

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.5707	0.493	0.4451	0.3938	0.3288	0.2697	5462.53	6352.19	57.49		57.49	2374.56	180.89
Цена акции ао				12	10.56	11.43	10.5	13.98	14.18	18.36	18.36	13.69	9.94
Число акций ао, млн					1206.29	1206.47	1200.02	1174.11	1164.14		1164.14	1190.21	-0.71
FCF/акцию					-27804.05	185701.89	1025	811.89	-1919.79		-1919.79	31562.99	-41.41

	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	0.0967	0.0963	-0.0779	0.1546	0.1129					1173.75	2573.63	14.88	13.81	11.18			757.45	-60.57
Цена акции ао						10.75	8.66	8.61	9.72	12.57	12.1	11.58	13.27		16.16	18.36	14.29	8.70

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	11.42	5.78	4.7	4.24	2.2	4.88	10.5	5.5		5.5	20.26	5.46	5.34
ROA, %	0.6759	0.3559	0.2865	0.2459	0.1174	0.2466	0.5051	0.2671		0.2671	5.10	0.2764	1.67
ROS, %	39.84	22.04	19.9	16.94	9.36	20.34	21.04	23.36	23.36	23.36	30.53	19.49	20.07
ROCE, %									0	0	8.03
Ebit margin, %									0	0
Рентаб EBITDA, %									0	0	25.01
Чистая рентаб, %	39.84	22.04	19.9	16.94	9.36	20.34	21.04	23.36		23.36	30.53	18.21	6.64
Operation Margin, %	30.37						0	0	0	0	28.21	30.37	0.00

	2017Q1	2017Q2	2017Q3	2017Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					1.2	0.3311	1.52	1.06	1.45	0.8981	2.93	0.0172	0.0257	0.0294		20.26	0.7801	-49.53
ROA, %					0.0604	0.0159	0.0718	0.0504	0.0666	0.0403	0.1663	0.000989	0.0672	0.0539		5.10	0.0657	5.99
ROS, %						5.87	25.73	17.77	25.2	15.58	29.7	23.24	24.06	17.12	23.36	30.53	23.50	-4.69
Чистая рентаб, %					22.44	5.87	25.73	17.77	25.2	15.58	29.7	23.24	24.06	17.12		30.53	21.94	1.90
Operation Margin, %	33.07	37.19	29.89	28.5												28.21	32.16	-3.65

Coefficients

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	0.2929	0.5014	0.2024	0.265	36.38		36.38	13.47	7.53	162.32
P/BV	0.0123	0.011	0.0094	1.7	1.9		1.9	1.74	0.7265	174.01
P/S	0.0496	0.0469	0.0412	0.0558	8.5		8.5	3.06	1.74	179.76
P/FCF				0	-0.0022	-0.0022	-0.0022	2.82	-0.0022	0.00
E/P				12.01	13.58	13.58	13.58	87.84	13.06	4.18
EV/EBIT					0	0	0
EV/S				0	0	0	0	1.56
EV/FCF					0	0	0	2.03
Debt/EBITDA				0	0	0	0	-179.19
Netdebt/Ebitda				0	0	0	0	208.29
Debt/Ratio				0	0.1005	0.1005	0.1005	0.12	0.1005	0.00
Debt/Equity				0	0	17.98	17.98	8.42	17.98	0.00
Debt/Net Income				41.38	36.6	36.6	36.6	17.86	38.19	-4.01
PEG						-0.6388	-0.6388		-0.6388	0.00
Бета				0	0	-1.33	-1.33	0.69	-1.3300	0.00
Индекс Альтмана				0	0.0158	0.0158	0.0158	54.78	0.0158	0.00

	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	0.3758	0.2371	0.3094	0.5127	0.8003			13.47	0.4471	16.32
P/BV	1.7	0.0109	1.66	1.83	1.9			1.74	1.42	2.25
P/S	0.0729	0.0526	0.0735	0.1186	0.2363			3.06	0.1108	26.52
P/FCF							-0.0022	2.82	-0.0022	0.00
E/P							13.58	87.84	13.58	0.00
Debt/Ratio							0.1005	0.12	0.1005	0.00
Debt/Equity							17.98	8.42	17.98	0.00
Debt/Net Income							36.6	17.86	36.60	0.00
PEG							-0.6388		-0.6388	0.00
Бета						-1.49	-1.33	0.69	-1.4100	-5.52
Индекс Альтмана						0.0158	0.0158	54.78	0.0158	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	20.59	17.8	19.44	21.39	19.34	23.3	24.12					21.52	4.41
Дивиденд				0.4522	0.4586	0.4463	0.4272	0.4874	0.3306	0.5901		0.4300	-6.34
Див доход, ао, %				3.99	4.2	7.1	5.5	5.02	4.73	4.87	6.29	5.31	2.41
Дивиденды / прибыль, %	16.26	26.8	35.81	45.96	76.37	0.3135	0.3124	36.04		36.04	49.09	31.80	-4.75

	2020Q2	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	Industry average	5 quarters average	CAGR 5
Дивиденд	0.2227	0.2295	0.2469	0.2117	0.236	0.2103	0.2031	0.224		0.2170	1.14
Див доход, ао, %	1.97	2.03	2.34	1.9	2.19	2.44	1.62	1.93	6.29	2.02	0.31

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	3.49	0.0337	0.0382	0.0347	6.08	6.08	11.74
Персонал, чел				5 825	5 604		-1.92

	CAGR 5

	CAGR 5