SBI Shinsei Bank, Limited

TSE

8303

Stock

Yield per half year: -99.72%
Dividend yield: 0%

Reporting SBI Shinsei Bank, Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд ¥							575.49
Выручка, млрд ¥	339.08	327.23	345.99	327.6	325.52	339.32	339.32	333.13	0.73
Чистая прибыль, млрд ¥	51.41	52.32	45.58	45.11	20.39	42.77	42.77	41.23	-3.95
EV, млрд ¥	-42.24	146.57	140.91	119.9	405.56	-513.05	-514.88	59.98	-228.48
EBIT, млрд ¥	74.98	75.85	69.91	69.22	41.86	97.58	97.58	70.88	5.17
EBITDA, млрд ¥	89.94	91.18	86.61	86.21	59.08	115.63	115.63	87.74	4.87
OIBDA, млрд ¥		121.45	70.88	84.32	80.56	170.44		105.53	7.01
Баланс стоимость, млрд ¥	854.1	892.14	903.12	922.44	920.26	962	962	919.99	1.52
FCF, млрд ¥	143.23	-8.14	293.61	237.28	-479.78	1 295.06	1 295.06	267.61	-375.63
Операционный денежный поток, млрд ¥	167.42	13.95	306.52	249.23	-470.63	1 306.97	1 306.97	281.21	147.94
Операционная прибыль, млрд ¥	57.36	55.33	69.91	69.22	41.86	97.58	97.58	66.78	12.02
Операционные расходы, млрд ¥	239.24	236.59	256.6	257.17	269.11	266.44	266.44	257.18	2.40
CAPEX, млрд ¥	24.18	22.08	12.9	11.95	9.15	11.91	11.91	13.60	-11.61

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	5 quarters average	CAGR 5
Выручка, млрд ¥	84.89	77.39	84.7	89.79	85.87	78.96	102.14	88.29	3.82
Чистая прибыль, млрд ¥	14.25	-17.11	-5.98	30.88	15.52	2.36	13.16	11.19	-217.09
EV, млрд ¥	197.14	416.07	-259.39	-1 117.31	-770.22	-514.97	-293.04	-590.9860	2.47
EBIT, млрд ¥		-7.44	1.12	43.66	29.99	22.75		18.02	-225.05
EBITDA, млрд ¥	15.44	-7.43	1.11	34.12	15.59	5.67	14.9	14.28	68.10
OIBDA, млрд ¥			8.21	37.36	15.66	8.97	16.64	17.37	15.18
Баланс стоимость, млрд ¥	942.46	920.26	932.98	947.65	958.6	962	971.94	954.63	0.82
Операционный денежный поток, млрд ¥		-470.63		1 718.93		1 306.74		851.68	-240.55
Операционная прибыль, млрд ¥		-7.44	1.12	34.12	15.59	5.67	14.9	14.28	67.80
Операционные расходы, млрд ¥	72.34	59.64	87.43	55.49	71.59	51.93	87.38	70.76	-0.01
CAPEX, млрд ¥		9.15		5.69		11.91		8.92	9.19

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд ¥	1 465.66	1 355.97	1 614.13	1 919.08	1 625.16	1 992.88	1 992.88	1701.44	8.01
Short Term Investments ¥		2.12						2.12	0.00
Total Receivables ¥		2.12			1 074.97	1 074.97	1 074.97	717.35	697.42
Total Current Assets ¥		8 092.95	1 614.13	1 919.08	9 332.72	3 067.85	3 067.85	4805.35	-17.63
Чистые активы, млрд ¥	7 981.77	8 092.95	1 614.13	1 919.08	60.99	57.93	57.93	2349.02	-62.76
Активы, млрд ¥	9 456.66	9 571.17	10 226.57	10 740.17	10 311.45	13 694.83	13 694.83	10908.84	7.43
Long Term Debt ¥		1 286.64		1 394.84	1 358.99	974.64	974.64	1253.78	-6.71
Задолженность, млрд ¥	8 600.63	8 674.53	1 434.79	1 643.01	9 387.13	1 015.31	1 015.31	4430.95	-34.89
Чистый долг, млрд ¥	-464.96	-243.55	-179.34	-276.06	-73.78	-977.57	-977.57	-350.0600	32.04
Долг, млрд ¥	1 000.7	1 112.41	1 434.79	1 643.01	1 551.38	1 015.31	1 015.31	1351.38	-1.81
Расходы на обслуживание долга ¥		21.03	20.27	13	13.32	45.81	45.81	22.69	16.85
Чист. проц. доходы, млрд ¥	148.5	154.84	153.78	135.04	139	184.57	184.57	153.45	3.58
Амортизация, млрд ¥		15.33	16.69	16.98	17.22	18.05	18.05	16.85	3.32
Себестоимость, млрд ¥		-6.66						-6.6600	0.00
Товарно материальные запасы ¥					1 074.97			1074.97	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	5 quarters average	CAGR 5
Наличность, млрд ¥	1 782.59	1 625.16	1 949.42	2 519.72	2 250.77	1 992.88	1 906.13	2123.78	-0.45
Total Receivables ¥			978.39	997.75	1 044.07	1 074.97	1 114.09	1041.85	2.63
Total Current Assets ¥		1 625.16	2 927.81	3 517.46	3 294.84	3 067.85	3 020.22	3165.64	0.62
Чистые активы, млрд ¥	9 328.25	1 625.16	121.83	119.04	58.04	57.93		396.40	-48.67
Активы, млрд ¥	10 556.21	10 311.45	10 944.33	12 833.29	13 312.03	13 694.83	13 900.02	12936.90	4.90
Long Term Debt ¥				867.84	863.99	974.64		902.16	3.94
Задолженность, млрд ¥	9 610.16	9 387.13	10 007.28	1 016.82	1 034.91	1 015.31	1 039.44	2822.75	-36.42
Чистый долг, млрд ¥	-206.15	-73.78	-677.27	-1 502.9	-1 215.86	-977.57	-866.68	-1048.0560	5.06
Долг, млрд ¥	1 576.44	1 551.38	1 272.15	1 016.82	1 034.91	1 015.31	1 039.44	1075.73	-3.96
Расходы на обслуживание долга ¥	3.31	3.54	4.71	9.56	14.43	17.11	20.17	13.20	33.76
Чист. проц. доходы, млрд ¥	35.25	35.67	37.19	44.97	50.58	51.83	61.32	49.18	10.52
Амортизация, млрд ¥			-0.003	0.018	0.025	0.031		0.0178	-279.29

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	198.98	211.22	190.55	202.1	96.75	209.47			209.47	182.02	-0.17
Цена акции ао					2148	1000000	1000000	1000000	1000000	750537.00	364.51
Число акций ао, млн		247.7	239.18	223.2	210.7	204.19			204.19	224.99	-3.79
FCF/акцию	554.33	-32.85	1227.61	1063.06	-2277.09	6342.59			6342.44	1264.66	-386.51

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	66.18	-79.46	-29.26	151.27	76.01	11.56	64.46			54.81	-217.11
Цена акции ао								1000000	1000000	1000000.00	0.00

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	6.14	5.99	5.08	4.94	2.21	4.54			4.45	8.26	4.55	-5.39
ROA, %	0.5494	0.5499	0.4604	0.4303	0.1937	0.3563			0.3123	4.23	0.3981	-8.31
ROIC, %		2.4	2.03	1.86	0.9244					7.01	1.80	-21.22
ROS, %		14.22	13.04	13.77	6.26	12.6	12.6	12.6	12.6	9.08	11.57	-1.76
ROCE, %	2.92	2.91	2.52	2.2	1.4	0.7125		0.7696	0.7696	10.97	1.52	-21.12
Ebit margin, %		23.66	14.35	17.16	12.86	28.76		28.76	28.76		20.38	14.92
Рентаб EBITDA, %	26.53	27.86	25.03	26.31	18.15	34.08		34.08	34.08	17.49	27.53	6.37
Чистая рентаб, %	15.16	15.99	13.17	13.77	6.26	12.6			12.6	9.08	12.36	-4.65
Operation Margin, %		23.66	14.35	17.16	12.86	28.76	28.76	28.76	28.76	13.35	23.26	10.88

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %	1.54	-1.84	-0.6396	3.3	1.65	0.2453	1.38		8.26	1.19	-216.63
ROA, %	0.1344	-0.164	-0.0546	0.2597	0.1187	0.0172	0.0954		4.23	0.0873	-211.81
ROIC, %				1.7		0.2439			7.01	0.9719	-62.12
ROS, %			-7.06	34.39	18.07	2.99	12.88	12.6	9.08	16.19	-18.19
ROCE, %		-0.2486	0.0358	1.42	0.5247	0.1794		0.7696	10.97	0.5859	84.70
Ebit margin, %			1.32	48.63	34.92	28.81		28.76		28.49	85.20
Рентаб EBITDA, %	18.18	-9.6	1.31	38	18.15	7.18	14.59	34.08	17.49	22.40	-2.15
Чистая рентаб, %	16.79	-22.11	-7.06	34.39	18.07	2.99	12.88		9.08	12.25	-212.78
Operation Margin, %			1.32	38	18.15	7.18	14.59	28.76	13.35	21.34	-5.42

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	8.22	7.46	7.03	8.78	23.51	10.86			10.82	130.72	11.53	7.80
P/BV	0.4938	0.4351	0.0364	0.0435	0.5186	0.0366			0.0365	113.68	0.2140	-39.05
P/S	1.25	1.19	0.9256	1.21	1.47	1.37			1.36	113.74	1.23	2.86
P/FCF						0.4444	0.4444	0.4444	0.4444	9.24	0.4444	0.00
E/P						0.0743	0.0743	0.0743	0.0743	0.65	0.0743	0.00
EV/EBIT		1.93	2.84	2.13	9.69	-5.26	-5.28	-5.28	-5.28		-0.8000	-219.91
EV/EBITDA	-0.4696	1.61	1.63	1.39	6.86	-4.44			-4.45	139.23	1.41	-222.49
EV/S		0.4572	0.4073	0.366	1.25	-1.51	-1.52	-1.52	-1.52	113.17	-0.5868	-232.95
EV/FCF		-18.02	0.4799	0.5053	-0.8453	-0.3962	-0.3976	-0.3976	-0.3976	126.10	-0.3063	-195.32
Debt/EBITDA	11.13	12.2	16.57	19.06	26.26	8.78	8.78	8.78	8.78	-5.25	14.33	-14.36
Netdebt/Ebitda		-2.67	-2.7	-3.77	-1.25	-8.45	-8.45	-8.45	-8.45	22.46	-6.0740	17.52
Debt/Ratio		0.1162	0.1403	0.153	0.1505	0.0741	0.0741	0.0741	0.0741	0.16	0.1052	-13.50
Debt/Equity		1.25	1.59	1.78	1.69	1.06	17.53	0.0801	0.0801	4.48	4.43	-46.22
Debt/Net Income		24.41	31.81	36.42	76.1	23.74	23.74	23.74	23.74	21.00	36.75	-8.20
PEG								-0.0161	-0.0161		-0.0161	0.00
Бета						3487.14	-18.39	7.08	7.08	-0.08	1158.61	-87.34
Индекс Альтмана						0.066	0.066	0.066	0.066	6.73	0.0660	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	7.15			11.89	12.94	10.81	9.26			130.72	10.41	5.31
P/BV	0.4263	0.53	0.446	0.0326	0.0363	0.0365	0.0446			113.68	0.1192	-36.90
P/S	1.2	1.5	1.28	1.14	1.29	1.36	1.61			113.74	1.34	4.69
P/FCF									0.4444	9.24	0.4444	0.00
E/P									0.0743	0.65	0.0743	0.00
EV/EBIT			-232.64	-25.59	-25.69	-22.64			-5.28		-62.3680	-53.10
EV/EBITDA	2.58	9.94	-7.68	-21.58	-14.83	-90.89	-4.17			139.23	-27.8300	-11.50
EV/S			-3.06	-12.44	-8.97	-6.52	-2.87		-1.52	113.17	-6.4640	-34.32
EV/FCF									-0.3976	126.10	-0.3976	0.00
Debt/EBITDA	102.13		1144.02	29.8	66.4	179.19	69.76		8.78	-5.25	70.79	-21.68
Netdebt/Ebitda			-609.06	-44.05	-78.01	-172.53	-58.17		-8.45	22.46	-72.2420	-28.12
Debt/Ratio			0.1162	0.0792	0.0777	0.0741	0.0748		0.0741	0.16	0.0760	-1.32
Debt/Equity			1.36	1.07	1.08	1.06	1.07		0.0801	4.48	0.8720	-40.45
Debt/Net Income			-212.73	32.93	66.7	430.22	78.99		23.74	21.00	126.52	-6.33
PEG									-0.0161		-0.0161	0.00
Бета								18.4	7.08	-0.08	12.74	-37.97
Индекс Альтмана								0.066	0.066	6.73	0.0660	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд				2.59	2.53	2.45	2.31	2.58	2.46			2.46		2.47	-0.56
Дивиденд	10	10	10	10	10		10	12	12	12		0		11.20	3.71
Див доход, ао, %		0.4348	0.5236	0.5621	0.6418	0.6341	0.7843	0.611	1.05	1.03		0	4.18	0.8219	10.19
Дивиденды / прибыль, %					5.03	4.83	5.38	5.11	12.67	5.76		5.76	39.75	6.75	3.58
Dividend Coverage Ratio											17.39	17.39		17.39	0.00

	2022Q1	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	2.58	2.46	2.46			2.50	-1.58
Дивиденды / прибыль, %		7.97	104.32		39.75	56.14	261.79
Dividend Coverage Ratio				17.39		17.39	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	CAGR 5
CAPEX/Выручка, %	6.89	3.73	3.65	2.81	3.51	-12.62

	2022Q3	2023Q1	CAGR 5
CAPEX/Выручка, %	6.34	15.08	54.23

	CAGR 5