TSE: 8331 - The Chiba Bank, Ltd.

Yield per half year: +0.3002%
Dividend yield: +4.24%

Reporting The Chiba Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥							666.47
Выручка, млрд ¥	194.15	199.15	202.03	207.76	224.22	222.54	222.54	211.14	2.25
Чистая прибыль, млрд ¥	50.48	48.04	49.64	54.5	60.28	62.44	62.44	54.98	5.38
EV, млрд ¥	-939.36	-738.91	-1 328.31	-1 525.38	-1 324.31	-3 767.18	-3 767.18	-1736.8180	38.51
EBIT, млрд ¥	97.35	92.93	84.05	78.38	86.67	90.67	90.67	86.54	-0.49
EBITDA, млрд ¥	106.07	100.96	93.41	88.29	96.11	100.34	100.34	95.82	-0.12
Баланс стоимость, млрд ¥	952.27	929.33	1 041.76	1 059.09	1 061.12	1 181.5	1 181.5	1054.56	4.92
FCF, млрд ¥	232.7	-0.086	1 890.04	699.59	-31.6	777.71	777.71	667.13	-718.39
Операционный денежный поток, млрд ¥	251.62	20.95	1 913.82	710.04	-20.38	384.52	384.52	601.79	78.96
Операционная прибыль, млрд ¥	72.26	92.93	84.05	68.47	77.23	91.02	91.02	82.74	-0.41
Операционные расходы, млрд ¥	117.43	122.55	126.36	124.56	138.59	132.05	132.05	128.82	1.50
CAPEX, млрд ¥	18.92	21.04	23.78	10.45	11.22	4.62	4.62	14.22	-26.16

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			58.85	55.21	52.11	56.4	56.17	56.24	70.98	67.91	60.52	57.62	62.65	0.49
Чистая прибыль, млрд ¥			18.37	13.25	11.76	18.41	16.38	15.34	12.31	20.03	17.74	16.76	16.44	1.79
EV, млрд ¥			-1 156.47	-890.38	-1 329.1	-1 330.68	-639.19	-712.08	-360.27	5.75	-3 905.12	-3 640.18	-1722.3800	38.59
EBIT, млрд ¥		28.25		28.71	14.52	23.61	24.01	22.59	18.16	28.63			23.40	3.93
EBITDA, млрд ¥	16.4	28.25	34.28	28.71	16.94	25.92	26.38	25.04	20.7	31.1			25.83	3.71
Баланс стоимость, млрд ¥			1 041.83	1 038.38	1 061.12	1 102.32	1 109.69	1 127.19	1 181.5	1 162.65	1 171.65	1 162.82	1161.16	0.62
FCF, млрд ¥				4.72	4.84	4.62	4.75	4.89					4.76	0.71
Операционный денежный поток, млрд ¥	710.04		-647.1	4.72	4.84	4.62	4.75	4.89					4.76	0.71
Операционная прибыль, млрд ¥			34.28	28.71	16.94	25.92	24	22.59	-0.001	44.11	-89.57	25.39	0.5038	2.36
Операционные расходы, млрд ¥			32.07	36.09	36.36	30.46	32.12	33.65	28.09	23.79	60.52	32.23	35.66	-0.86
CAPEX, млрд ¥	10.45		4.84		11.22								8.84	2.40

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	2 068.23	1 928.66	3 615.36	4 201.43	4 065.85	4 689.38	4 689.38	3700.14	19.45
Short Term Investments ¥	100.44					9 389.67	9 389.67	4745.06	866.88
Total Receivables ¥	15	20						17.50	15.47
Total Current Assets ¥	12 538.28	1 948.66	3 615.36	4 201.43	4 065.85	4 689.38	4 689.38	3704.14	19.20
Чистые активы, млрд ¥	12 538.28	1 948.66	3 615.36	125.94	124.47		124.47	3670.54	-60.25
Активы, млрд ¥	14 964.13	15 609.94	17 898.17	19 104.76	19 787.88	21 323.9	21 323.9	18744.93	6.44
Short Term Debt ¥	609.04	990.89	1 478.76	1 722.47	1 364.12	1 747.29	1 747.29	1460.71	12.01
Long Term Debt ¥	493.79		1 281.25	1 440.06	1 316.85		1 316.85	1132.99	27.79
Задолженность, млрд ¥	14 011.86	860.53	1 748.29	18 045.67	1 667.36	20 142.39	20 142.39	8492.85	87.88
Чистый долг, млрд ¥	-1 404.44	-1 068.12	-1 867.06	-2 070.71	-1 924.71	-4 689.38	-4 689.38	-2323.9960	34.43
Долг, млрд ¥	663.79	860.53	1 748.29	3 162.54	2 680.97	3 406.91	3 406.91	2371.85	31.68
Расходы на обслуживание долга ¥	25.13	24.15	12.59	9.99	33.06	65.94	65.94	29.15	22.25
Чист. проц. доходы, млрд ¥	144.2	144.68	134.1	138.07	169.58	198.58	169.58	157.00	6.54
Амортизация, млрд ¥	8.72	8.03	9.36	9.91	9.44	9.68	9.68	9.28	3.81
Себестоимость, млрд ¥						-47.94	-47.94	-47.9400	0.00
Товарно материальные запасы ¥	10 470.05	10 992.36						10731.20	2.46

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥			3 472.35	3 499.49	4 065.85	4 109.32	4 017.64	4 074.91	4 689.38	4 989.85	4 729.65	4 514.79	4599.72	2.07
Short Term Investments ¥									9 389.67	3 160.82			6275.24	-41.98
Total Receivables ¥		2.96											2.96	0.00
Total Current Assets ¥			3 472.35	3 499.49	4 065.85	4 109.32	4 017.64	4 074.91	5 172.17	4 989.85	4 729.65	4 514.79	4696.27	2.07
Чистые активы, млрд ¥	4 201.43	3 553.74	3 472.35	3 499.49	124.47	123.74							2154.76	-48.91
Активы, млрд ¥			18 978.31	19 297.95	19 787.88	20 068.65	20 373.7	20 492.55	21 323.9	22 117.27	21 829.17	21 980.83	21548.74	1.41
Short Term Debt ¥				1 109.66	1 364.12	1 204.91	1 559.15	1 578.58	1 747.29	2 253.83			1668.75	13.34
Long Term Debt ¥			993.78	1 195.49	1 316.85								1168.71	9.84
Задолженность, млрд ¥			17 936.48	18 259.58	2 141.14	1 821.3	2 577.17	2 631.93	20 142.38	20 954.61	20 657.52	20 818.02	17040.89	51.23
Чистый долг, млрд ¥			-1 720.38	-1 598.78	-1 924.71	-1 956.72	-1 440.47	-1 442.99	-1 282.47	-977.96	-4 729.65	-4 514.79	-2589.5720	25.62
Долг, млрд ¥	2 130.72	1 466.91	1 751.97	1 900.71	2 141.14	2 152.61	2 577.17	2 631.93	3 406.91	4 011.88			2956.10	13.26
Расходы на обслуживание долга ¥			7.58	9.62	11.56	14.56	15.92	16.27	19.19	20.01	19.15	24.54	19.83	8.57
Чист. проц. доходы, млрд ¥	32.79	41.69	38.47	45.06	44.35	48.58	47.92	50.82	51.26	59.2			51.56	4.03
Амортизация, млрд ¥		0.001		-0.001	2.42	2.31	2.37	2.45	2.55	2.47			2.43	1.35
Себестоимость, млрд ¥										-7.41			-7.4100	0.00

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	65.23	63.91	66.71	73.45	82.52	86.53		86.53	74.62	6.25
Цена акции ао				962	1018.5	1222.5	1473.5	1473.5	1169.13	11.25
Число акций ао, млн	773.85	751.64	744.13	741.93	730.4	721.6		721.6	737.94	-0.81
FCF/акцию	300.7	-0.1144	2539.92	942.93	-43.26	1077.77		1077.77	903.45	-723.48

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS	24.91	17.97	16.23	25.41	22.6	21.25	17.06	28	24.8	23.43		22.91	1.97
Цена акции ао											1473.5	1473.50	0.00
FCF/акцию		6.5	6.68	6.37	6.55	6.78						6.58	0.85

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	5.33	5.11	5.04	5.19	5.69	5.57		5.57	8.28	5.32	1.74
ROA, %	0.344	0.3142	0.2963	0.2946	0.31	0.3038		0.3038	4.27	0.3038	-0.67
ROIC, %		3.47	1.74	1.74	2.19			2.19	7.02	2.29	-10.87
ROS, %		24.12	24.57	26.23	26.88	28.06	28.06	28.06	9.09	26.76	2.69
ROCE, %	6.14	4.49	2.97	1.24	1.3	0.4643	7.67	0.4643	10.60	2.73	20.89
Ebit margin, %		34.53	35.37	37.73	38.65	40.74	40.74	40.74		38.65	2.87
Рентаб EBITDA, %	54.63	50.69	46.24	42.5	42.86	45.09	45.09	45.09	17.14	44.36	-0.50
Чистая рентаб, %	26	24.12	24.57	26.23	26.88	28.06		28.06	9.09	25.97	3.07
Operation Margin, %		30.5	30.74	32.96	34.44	40.9	40.9	40.9	13.42	35.99	5.88

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	Industry average	5 quarters average	CAGR 5
ROE, %			1.75	1.27	1.13	1.67	1.53	1.41	1.1	1.76	1.54	1.44	8.28	1.45	0.42
ROA, %			0.0973	0.0692	0.0602	0.0917	0.081	0.0751	0.0589	0.0922	0.0807	0.0765	4.27	0.0767	0.37
ROS, %						32.64	29.16	27.28	17.34	29.5	29.31	29.09	9.09	26.50	1.29
ROCE, %		1.08		0.4236	0.2163	0.1294	0.3524	0.3286	0.1798	0.2151			10.60	0.2411	10.70
Ebit margin, %							42.73	40.17	25.58	42.16				37.66	-0.34
Рентаб EBITDA, %	32.52	48.67	58.24	52	32.5	45.96	46.96	44.52	29.17	45.8			17.14	42.48	-0.07
Чистая рентаб, %			31.2	24	22.57	32.64	29.16	27.28	17.34	29.5	29.31	29.09	9.09	26.50	1.29
Operation Margin, %						45.96	42.73	40.17	-0.0014	64.96	-148	44.06	13.42	0.2377	1.87

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	9.21	6.85	10.85	10.01	9.96	14.77		14.77	131.00	10.49	16.61
P/BV	0.4884	0.0223	0.0334	0.5149	0.0331	0.7805		0.7805	113.69	0.2768	103.62
P/S	2.4	1.65	2.67	2.62	2.68	4.14		4.14	113.74	2.75	20.20
P/FCF					-21.09	0.857	0.857	0.857	7.76	-6.4587	-134.38
E/P					0.0904	0.0937	0.0937	0.0937	0.57	0.0926	1.20
EV/EBIT		-10.74	-18.59	-19.46	-15.28	-41.55	-41.55	-41.55		-27.2860	17.45
EV/EBITDA	-8.86	-7.32	-14.22	-17.28	-13.78	-37.54		-37.54	159.62	-18.0280	38.67
EV/S		-3.71	-6.57	-7.34	-5.91	-16.93	-16.93	-16.93	113.14	-10.7360	20.84
EV/FCF		8592.36	-0.7028	-2.18	41.91	-4.84	-4.84	-4.84	121.88	5.87	47.10
Debt/EBITDA	6.26	8.52	18.72	35.82	27.9	33.95	33.95	33.95	-23.98	30.07	12.64
Netdebt/Ebitda		-15.53	-26.13	-23.45	-20.03	-46.73	-46.73	-46.73	44.86	-32.6140	12.33
Debt/Ratio		0.0551	0.1542	0.1655	0.1355	0.1598	0.1598	0.1598	0.16	0.1550	0.72
Debt/Equity		0.926	2.65	2.99	2.53	2.88	17.05	2.88	39.15	5.62	45.11
Debt/Net Income		17.91	55.6	58.03	44.48	54.56	54.56	54.56	21.59	53.45	-0.38
PEG							1.76	1.76		1.76	0.00
Бета					-0.3227	0.5995	-1.43	-1.43	-34.19	-0.3844	64.25
Индекс Альтмана					0.0349	0.0468	0.048	0.048	6.88	0.0432	11.21

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			9.77	12.3	9.97	10.18	13.4	11.84	14.81	15.47	12.65	13.1			131.00	13.57	2.04
P/BV			0.5413	0.6822	0.0338	0.0343	0.045	0.0409	0.7805	0.8461	0.7037	0.7521			113.69	0.6247	79.02
P/S			2.61	3.19	2.68	2.82	3.64	3.32	3.85	3.94	3.24	3.41			113.74	3.55	0.54
EV/EBIT							-26.63	-31.52	-19.84	0.2009						-19.4473	-129.47
EV/EBITDA	-17.25	-16.62	-11.48	-8.27	-15.34	-51.34	-6.7	-7.19	-3.59	0.0557					159.62	-13.7529	-125.53
EV/S						-23.6	-11.38	-12.66	-5.08	0.0847	-64.53	-63.18			113.14	-29.0731	37.92
EV/FCF						-288.28	-134.62	-145.56							121.88	-189.4867	-20.37
Debt/EBITDA	129.96	51.93	51.11	66.21	126.42	83.04	97.7	105.13	164.56	129					-23.98	115.89	9.21
Netdebt/Ebitda						-75.49	-54.61	-57.64	-61.95	-31.45					44.86	-56.2280	-16.06
Debt/Ratio						0.1073	0.1265	0.1284	0.1598	0.1814					0.16	0.1407	11.07
Debt/Equity						1.95	2.32	2.33	2.88	3.45					39.15	2.59	12.09
Debt/Net Income						116.93	157.34	171.57	276.74	200.27					21.59	184.57	11.36
Бета													-4.52	-1.51	-34.19	-3.0150	-42.20
Индекс Альтмана													0.048	0.048	6.88	0.0480	0.00

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		12.06	12.03	14.11	16.36	19.08	21.74			21.74		16.66	12.56
Дивиденд	15	15.5	16	19	11	26	28	35	22	40		24.40	14.87
Див доход, ао, %	1.7	2.08	2.56	3.18	1.63	4.75	3.77	4.27	4.21	4.24	3.90	3.73	20.90
Дивиденды / прибыль, %			23.89	25.05	28.43	30.02	31.66	34.82		34.82	40.65	30.00	6.81
Dividend Coverage Ratio									2.87	2.87		2.87	0.00

	2022Q1	2022Q3	2023Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	16.36	9.58	19.08		15.01	5.26
Дивиденды / прибыль, %	179.15	52.18	162.24	40.65	131.19	-3.25

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	3965	4164	2.48

	CAGR 5

	CAGR 5