TSE: 8334 - The Gunma Bank, Ltd.

Yield per half year: +55.75%
Dividend yield: +3.71%

Reporting The Gunma Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								219.45
Выручка, млрд ¥	135.33	133.77	128.5	132.57	140.1	152.61	199.65	199.65	150.69	9.21
Чистая прибыль, млрд ¥	28.37	23.32	22.28	13.5	26.44	27.93	31.13	31.13	24.26	6.92
EV, млрд ¥	73.51	-100.34	-181.83	-776.99	-868.34	-636.17	-1 494.31	-1 494.31	-791.5280	52.39
EBIT, млрд ¥	48.59	42.22	37.19	22.34	-8.25	-6.98	42.98	42.98	17.46	2.94
EBITDA, млрд ¥	54.91	48.98	44.09	28.84	-1.38	-0.41	49.18	49.18	24.06	2.21
Баланс стоимость, млрд ¥	530.49	526.42	488.03	548.09	529.26	515.81	573.09	573.09	530.86	3.27
FCF, млрд ¥	-273.66	118.91	310.67	1 978.72	453.61	-661.97	-401.81	-401.81	335.84	-205.28
Операционный денежный поток, млрд ¥	-266.29	126.91	316.97	1 987.18	459.59	-656.17	-394.52	-394.52	342.61	-204.47
Операционная прибыль, млрд ¥	42.06	35.47	37.19	22.34	41.17	39.31	45.73	45.73	37.15	4.22
Операционные расходы, млрд ¥	90.6	89.84	93.3	90.6	93.49	113.38	151.44	151.44	108.44	10.17
CAPEX, млрд ¥	7.37	8	6.3	8.45	5.98	5.81	4.35	4.35	6.18	-7.14

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ¥	34.21	42.72	40.52	34.13	5 535.48	43.51	39.25	37.9	41.75	44.28	41.34	0.35
Чистая прибыль, млрд ¥	3.02	8.61	5.18	8.43	897.62	9.02	5.84	9.77	6.5	11.16	8.46	4.35
EV, млрд ¥	-867.29	-724.83	-418.33	-453.67	-100 139.97	-668.46	-260.75	-501.45	149.84	-315.66	-319.2960	-13.93
EBIT, млрд ¥		13.01		16.39	1 017.35	12.46	6.95	14.09	9.49	15.89	11.78	4.98
EBITDA, млрд ¥	6.2	13.01	10.49	16.39	1 263.87	13.96	8.49	15.64	11.08	0.001	9.83	-85.17
Баланс стоимость, млрд ¥	529.26	507.63	497.91	482.89	81 043.55	531.88	522.39	537.18	573.1	558.16	544.54	0.97
FCF, млрд ¥				507.93	493.04	3.02	3.07	3.11			202.03	-63.91
Операционный денежный поток, млрд ¥			-1 223.12	507.93	493.04	3.02	3.07	3.11			202.03	-63.91
Операционная прибыль, млрд ¥	6.2	13.01	10.49	16.39	1 263.87	12.46	6.95	14.09	10.04	15.89	11.89	4.98
Операционные расходы, млрд ¥	20.8	30.79	34.25	22.63	4 040.02	30.95	32.14	23.67	26.38	28.39	28.31	-1.71
CAPEX, млрд ¥			2.7		912.24						457.47	1738.11

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ¥	573.97	752.82	845.31	2 326.68	2 651.12	1 833.04	1 844.73	1 844.73	1900.18	16.89
Short Term Investments ¥							2 282.79	2 282.79	2282.79	0.00
Total Receivables ¥					3.61			3.61	3.61	0.00
Total Current Assets ¥		6 347.97	845.31	2 326.68	2 651.12	1 833.04	1 844.73	1 844.73	1900.18	16.89
Чистые активы, млрд ¥	6 152.05	6 347.97	845.31	2 326.68	66.19	65.01		65.01	1930.23	-60.00
Активы, млрд ¥	8 004.79	8 140.13	8 416.86	10 615.76	11 148.54	10 662.3	10 818.22	10 818.22	10332.34	5.15
Short Term Debt ¥		499.96	231.33	1 629.55	1 878.91	1 122.68	461.67	461.67	1064.83	14.82
Long Term Debt ¥		516.03		1 341.68	474.13	977.46		977.46	827.33	17.32
Задолженность, млрд ¥	7 468.18	7 608.18	536.64	1 387.12	10 619.28	10 146.49	10 245.12	10 245.12	6586.93	80.37
Чистый долг, млрд ¥	-189.51	-281.29	-308.67	-939.56	-1 017.77	-814.35	-1 844.73	-1 844.73	-985.0160	42.98
Долг, млрд ¥	384.46	471.52	536.64	1 387.12	2 353.04	2 100.14	1 647.97	1 647.97	1604.98	25.16
Расходы на обслуживание долга ¥		7.19	6.44	2.53	1.87	15.62	39.78	39.78	13.25	43.93
Чист. проц. доходы, млрд ¥	84.84	81.5	74.02	69.79	73.87	87.08	105.81	87.08	82.11	7.41
Амортизация, млрд ¥		6.76	6.9	6.5	6.86	6.57	6.19	6.19	6.60	-2.15
Себестоимость, млрд ¥							32.06	32.06	32.06	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ¥		2 651.12	1 885.93	1 556.29	1 621.76	288 006.98	2 048.2	1 776.31	1 974.63	1 844.73	1 873.81	1903.54	-1.76
Short Term Investments ¥										14.23		14.23	0.00
Total Current Assets ¥			1 885.93	1 556.29	1 621.76	288 006.98	2 048.2	1 776.31	1 974.63	1 865.86	1 873.81	1907.76	-1.76
Чистые активы, млрд ¥	8 505.02	2 651.12	1 885.93	1 556.29	1 621.76	10 214.82	64.9					3068.74	-49.03
Активы, млрд ¥		11 148.54	10 296.23	9 981.04	10 109.65	1 675 256.32	10 752.89	10 552.36	10 674.79	10 818.22	10 926.81	10745.01	0.32
Short Term Debt ¥					499.65	176 395.19	685.94	470.34	529.68	461.67	437.29	516.98	-8.61
Long Term Debt ¥					895.04	153 577.65	1 075.83					51849.51	6.32
Задолженность, млрд ¥		10 619.28	9 788.61	9 483.13	9 626.76	160 056.01	10 221.01	1 227.88	1 205.01	10 245.19	10 368.65	6653.55	0.29
Чистый долг, млрд ¥		-1 017.77	-878.83	-579.72	-657.36	-127 950.98	-876.64	-548.43	-769.62	-196.76	-696.72	-617.6340	-4.49
Долг, млрд ¥		1 633.35	1 007.1	976.57	964.4	160 056.01	1 761.76	1 227.88	1 205.01	1 647.97	1 177.09	1403.94	-7.75
Расходы на обслуживание долга ¥		0.563	1.23	2.85	4.95	1 034.48	9.01	10.02	9.54	11.21	10.14	9.98	2.39
Чист. проц. доходы, млрд ¥	18.89	16.61	20.85	19.87	23.46	3 597.1	4 341.84	4 135.39	4 028.7	26.21		3225.85	-62.63
Амортизация, млрд ¥			0.001		-0.001	246.52	1.51	1.54	1.56	1.59	-15.89	-1.9380	-260.11
Себестоимость, млрд ¥											-3.02	-3.0200	0.00

	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	65.14	54	52.7	32.14	63.33	68.19	78.43		78.43	58.96	8.28
Цена акции ао					504	690	1066	1294.5	1294.5	888.63	26.60
Число акций ао, млн		431.87	422.77	420.09	417.42	409.63	396.85		396.85	413.35	-1.26
FCF/акцию	-628.44	275.33	734.85	4710.27	1086.71	-1616.03	-1012.5		-1012.5	780.66	-206.62

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	5 quarters average	CAGR 5
EPS	7.18	20.97	12.62	20.52	2205.96	22.37	14.72	24.75	16.55	28.58		21.39	5.02
Цена акции ао											1294.5	1294.50	0.00
FCF/акцию				7.9	7.71	7.48	7.74	7.88				7.74	-0.05

	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, %	5.4	4.41	4.39	2.61	4.91	5.35	5.72		5.72	8.26	4.60	5.44
ROA, %	0.3548	0.2889	0.2691	0.1419	0.2429	0.2561	0.2898		0.2898	4.26	0.2400	1.49
ROIC, %			2.71	0.5505	1.13	1.37			1.37	7.02	1.44	-15.68
ROS, %			17.34	10.18	18.87	18.3	15.59	15.59	15.59	9.08	15.71	8.90
ROCE, %	4.22	3.74	3.14	0.8415	-0.074	-0.0655	0.3976	7.5	0.3976	10.57	1.72	54.88
Ebit margin, %			-5.81	-4.91	-5.89	-4.58	21.53	21.53	21.53		5.54	-234.40
Рентаб EBITDA, %	40.58	36.61	34.31	21.75	-0.9871	-0.2687	24.63	24.63	24.63	17.12	13.95	2.52
Чистая рентаб, %	20.96	17.43	17.34	10.18	18.87	18.3	15.59		15.59	9.08	16.06	-2.11
Operation Margin, %			24.37	14.95	29.38	25.76	22.91	22.91	22.91	13.40	23.18	8.91

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	0.5444	1.58	0.9754	1.64	1.14	1.79	1.15	1.88	1.22	2.05	8.26	1.62	2.75
ROA, %	0.0272	0.0803	0.0511	0.0839	0.055	0.0842	0.0548	0.0921	0.0604	0.1027	4.26	0.0788	4.05
ROS, %						20.72	14.89	25.78	15.56	25.21	9.08	20.43	4.00
ROCE, %		0.5986		0.4292	0.1237	0.2329	0.1288	0.2575	0.1315	0.2191	10.57	0.1940	-1.21
Ebit margin, %						28.62	17.71	37.17	22.73	35.89		28.42	4.63
Рентаб EBITDA, %	18.12	30.46	25.89	48.01	22.83	32.09	21.63	41.27	26.55	0.0023	17.12	24.31	-85.17
Чистая рентаб, %	8.83	20.16	12.79	24.69	16.22	20.72	14.89	25.78	15.56	25.21	9.08	20.43	4.00
Operation Margin, %						28.62	17.71	37.17	24.04	35.89	13.40	28.69	4.63

	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	9.27	7.76	5.69	12.04	5.65	6.38	11.26		11.26	131.14	8.20	14.63
P/BV	0.4901	0.3402	0.0161	0.0176	0.2824	0.3455	0.6115		0.6115	113.69	0.2546	106.97
P/S	1.94	1.35	0.987	1.23	1.07	1.17	1.76		1.76	113.74	1.24	12.26
P/FCF						-0.3315	-0.5462	-0.5462	-0.5462	8.14	-0.4746	18.11
E/P						0.1273	0.1418	0.1418	0.1418	0.57	0.1370	3.66
EV/EBIT			24.38	119.44	105.3	91.12	-34.77	-34.77	-34.77		49.26	-178.13
EV/EBITDA	1.34	-2.05	-4.12	-26.95	627.86	1551.62	-30.39		-30.39	159.64	423.60	49.13
EV/S			-1.42	-5.86	-6.2	-4.17	-7.48	-7.48	-7.48	113.14	-6.2380	5.00
EV/FCF			-0.5853	-0.3927	-1.91	0.961	3.72	3.72	3.72	122.22	1.22	-256.78
Debt/EBITDA	7	9.63	12.17	48.11	-1701.4	-5122.29	33.51	33.51	33.51	-23.98	-1341.7120	-6.98
Netdebt/Ebitda			550.21	117445	735.92	1986.23	-37.51	-37.51	-37.51	44.86	24018.43	-119.99
Debt/Ratio			0.0638	0.2799	0.2111	0.197	0.1523	0.1523	0.1523	0.16	0.1985	-11.46
Debt/Equity			1.1	5.42	4.45	4.07	2.88	25.35	2.88	40.25	8.43	36.14
Debt/Net Income			24.09	220.07	89.01	75.18	52.95	52.95	52.95	21.59	98.03	-24.79
Бета						0.7762	3.17	-3.22	-3.22	-18.41	0.2421	-260.68
Индекс Альтмана						0.0099	0.0255	0.0255	0.0255	6.86	0.0203	37.08

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	5.69	6.63	6.56	8.09	6.38	7.42	10.11	8.95	11.26	11.53		131.14	9.85	9.22
P/BV	0.2843	0.3034	0.3241	0.4218	0.0184	0.3914	0.0309	0.0283	0.6049	0.6827		113.69	0.3476	11.77
P/S	1.07	1.11	1.08	1.35	1.17	1.37	1.92	1.74	2.16	2.35		113.74	1.91	11.40
EV/EBIT						-53.67	-37.51	-35.59	15.79	-19.86			-26.1680	-18.03
EV/EBITDA	-20.82	-19.12	-9.99	-9.84	-23.53	-15.64	-6.22	-10.87	3.05	-8.96		159.64	-7.7280	-10.54
EV/S						-15.36	-6.64	-13.23	3.59	-7.13		113.14	-7.7540	-14.23
EV/FCF						-221.64	-84.88	-161.24				122.22	-155.9200	-10.06
Debt/EBITDA	263.57	77.39	93.07	58.85	126.64	126.17	144.66	77.03	148.71	1177089		-23.98	235517.11	522.26
Netdebt/Ebitda						-62.78	-64.61	-49.2	-17.75	-696723		44.86	-139383.4680	544.24
Debt/Ratio						0.1638	0.1164	0.1129	0.1523	0.1077		0.16	0.1306	-8.04
Debt/Equity						3.31	2.35	2.24	2.88	2.11		40.25	2.58	-8.61
Debt/Net Income						195.4	210.18	123.31	253.73	105.46		21.59	177.62	-11.60
Бета											-3.22	-18.41	-3.2200	0.00
Индекс Альтмана											0.0255	6.86	0.0255	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		5.24	5.63	5.5	5.46	5.87	6.16	8.02		8.02		6.20	7.84
Дивиденд	12.5	12	13	13	13	5.03	15	11	32	32		15.21	19.74
Див доход, ао, %	2.09	1.79	2.4	3.35	3.85	2.06	5.61	2.72	4.71	3.71	3.91	3.79	4.11
Дивиденды / прибыль, %			18.46	24.15	24.7	40.41	22.21	22.05	25.77	25.77	40.90	27.03	0.85

	2022Q3	2023Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	2.88	967.7		485.29	1733.05
Дивиденды / прибыль, %	55.53	107.81	40.90	81.67	39.34

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	3061	3061	0.00

	CAGR 5

	CAGR 5