TSE: 8370 - The Kiyo Bank, Ltd.

Yield per half year: +23.56%
Dividend yield: +5.31%

Reporting The Kiyo Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								94.6
Выручка, млрд ¥	67.15	67.81	76.2	71.1	74.57	72.9	68.25	68.25	72.60	-2.18
Чистая прибыль, млрд ¥	11.72	11.62	13.72	13.59	15.46	3.92	15.02	15.02	12.34	1.83
EV, млрд ¥	-231.5	-232.34	-157.87	-397.32	-486.81	-374.32	-859.86	-859.86	-455.2360	40.35
EBIT, млрд ¥	19.71	19.74	24	21.7	-2.77	-2.78	20.03	20.03	12.04	-3.55
EBITDA, млрд ¥	23.43	23.14	26.9	24.54	-0.108	-0.196	22.92	22.92	14.81	-3.15
Баланс стоимость, млрд ¥	225.81	231.48	217.69	244.04	241.14	222.02	237.15	237.15	232.41	1.73
FCF, млрд ¥	-248.8	-188.21	59.59	712.94	72.24	-585.29	-6.93	-6.93	50.51	-165.03
Операционный денежный поток, млрд ¥	-246.8	-186.18	64.76	715.23	75.53	-582.29	22.63	22.63	59.17	-18.96
Операционная прибыль, млрд ¥	17.51	18.03	24	21.7	24.1	4.99	14.66	14.66	17.89	-9.39
Операционные расходы, млрд ¥	49.32	49.18	56.13	48.13	47.9	68.92	53.59	53.59	54.93	-0.92
CAPEX, млрд ¥	2	2.03	5.16	2.29	3.29	3	1.84	1.84	3.12	-18.64

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			17.81	17.29	2 637.72	17.1	17.82	18.3	18.34	22.05	17.49	23.02	19.84	4.70
Чистая прибыль, млрд ¥			4.39	4.66	-1 577.95	3.16	3.37	3.53	4.96	3.71	3.89	3.84	3.99	1.70
EV, млрд ¥			-439.26	-403.87	-59 025.4	-378.17	-234.21	-176.42	-2.96	-1.84	133.81	153.48	21.21	-197.25
EBIT, млрд ¥	3.18	7.09	7.27	8.19	-2 460.18	4.79	4.75	5.66	4.84	5.09			5.03	1.22
EBITDA, млрд ¥		7.1	7.27	8.21	-2 348.31	5.48	5.45	6.37	5.62	5.85		6.79	6.02	4.49
Баланс стоимость, млрд ¥			223.73	218.99	34 883.38	224.65	219.94	225.89	237.15	231.29	239.38	233.88	233.52	0.70
FCF, млрд ¥				205.49	223.74	1.38	1.4	1.43					86.69	-62.97
Операционный денежный поток, млрд ¥	75.53		-333.69	205.49	223.74	1.38	1.4	1.43					86.69	-62.97
Операционная прибыль, млрд ¥			7.27	8.21	-2 348.31	4.79	4.75	5.64	4.91	13.27	8.79	14.36	9.39	20.55
Операционные расходы, млрд ¥			11.46	10.54	5 122.57	12.28	13.08	12.64	16.82	8.78	8.7	8.66	11.12	-7.28
CAPEX, млрд ¥	3.29		1.39		471.52								158.73	423.32

	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 ¥	621.37	568.12	507.97	1 216.77	1 375.1	1 001.86	983.68	983.68	1017.08	14.13
Short Term Investments ¥							877.86	877.86	877.86	0.00
Total Current Assets ¥		3 579.43	507.97	1 216.77	1 375.1	1 001.86	983.68	983.68	1017.08	14.13
Чистые активы, млрд ¥	3 521.3	3 579.43	507.97	1 216.77	34.13	33.82		33.82	1074.42	-60.64
Активы, млрд ¥	4 672.75	4 585.34	4 728.17	5 664.47	5 880.72	5 483.33	5 831.38	5 831.38	5517.61	4.28
Short Term Debt ¥		305.32	409.79	893.86	995.57	593.41	855.43	855.43	749.61	15.86
Long Term Debt ¥		311.47		709.72	795.52	530.61		530.61	586.83	14.25
Задолженность, млрд ¥	4 443.46	4 351.38	249.05	709.31	5 637.87	594.41	5 593.27	5 593.27	2556.78	86.33
Чистый долг, млрд ¥	-348.79	-338.66	-258.92	-507.46	-579.9	-471.54	-983.68	-983.68	-560.3000	30.60
Долг, млрд ¥	272.58	229.47	249.05	709.31	1 791.09	1 124.01	856.75	856.75	946.04	28.03
Расходы на обслуживание долга ¥		2	3.87	1.21	0.614	4.38	5.61	5.61	3.14	7.71
Чист. проц. доходы, млрд ¥	47.4	45.4	48.35	43.35	45.69	47.59	46.24	47.59	46.24	-0.89
Амортизация, млрд ¥		3.4	2.91	2.84	2.66	2.58	2.88	2.88	2.77	-0.21
Себестоимость, млрд ¥							-7.45	-7.45	-7.4500	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				1 122.19	1 175.81	157 411.06	1 085.75	998.78	982.19	983.68	986.4	817.26	751.36	904.18	-5.22
Total Current Assets ¥				1 122.19	1 175.81	157 411.06	1 085.75	998.78	982.19	999.54	986.4	817.26	751.36	907.35	-5.22
Чистые активы, млрд ¥	4 950.81	1 375.1	1 301.21	1 122.19	1 175.81	5 313.78	33.66							1789.33	-51.85
Активы, млрд ¥				5 636.03	5 753.07	861 538.94	5 697.11	5 686.47	5 744.13	5 831.38	5 925.8	5 805.49	5 886.15	5838.59	0.49
Short Term Debt ¥					164.5	93 235.56	96.11	97.73	84.12	855.43	103.56			247.39	1.50
Long Term Debt ¥				590.2	670.12	83 368.76								28209.69	420.80
Задолженность, млрд ¥				5 410.59	5 532.36	83 322.41	706.12	662.78	705.1	5 593.27	5 693.55	5 565.16	5 651.31	4641.68	51.63
Чистый долг, млрд ¥				-531.99	-505.69	-74 088.65	-472.94	-336	-277.09	-126.93	-124.28	22.79	11.64	-98.7740	-153.05
Долг, млрд ¥				590.2	670.12	83 322.41	612.81	662.78	705.1	856.75	862.13	840.05	763	805.41	1.59
Расходы на обслуживание долга ¥		0.164	0.416	0.937	1.49	240.55	1.27	1.46	1.45	1.42	1.47			1.41	2.97
Чист. проц. доходы, млрд ¥	11.51	11	11.56	11.43	12.22	1 946.08	1 804.99	1 851.5	1 865.64	11.09				1495.86	-64.42
Амортизация, млрд ¥			0.011	0.007	0.019	111.87	0.692	0.7	0.715	0.775	0.761			0.7286	1.92
Себестоимость, млрд ¥										-0.205	0.632			0.2135	-275.58

	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	168.7	168.64	201.49	200.76	230.17	59.78	229.51		229.51	184.34	2.64
Цена акции ао					1568	1579	2214	2473	2473	1958.50	12.06
Число акций ао, млн		68.9	68.09	67.7	67.17	65.64	65.44		65.44	66.81	-0.79
FCF/акцию	-3580.67	-2731.42	875.25	10531.27	1075.51	-8916.18	-105.91		-105.91	691.99	-165.55

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	66.12	70.26	-24194.85	48.43	51.5	53.94	75.62	56.65	59.83	59.95			61.20	2.14
Цена акции ао											2404	2473	2438.50	1.42
FCF/акцию		20.1	21.83	21.19	21.4	21.83							21.27	1.67

	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, %	5.32	5.08	6.11	5.89	6.37	1.69	6.54		6.54	8.25	5.32	1.37
ROA, %	0.2457	0.251	0.2946	0.2616	0.2678	0.0691	0.2655		0.2655	4.23	0.2317	-2.06
ROIC, %			3.45	0.8638	0.9573	0.5111			0.5111	6.99	1.45	-37.96
ROS, %			18.01	19.12	20.73	5.38	22.01	22.01	22.01	9.07	17.85	2.86
ROCE, %	2.8	3.37	3.52	1.81	-0.1427	-0.149	0.7605	8.41	8.41	11.00	2.14	35.96
Ebit margin, %			-5.91	-4.24	-3.72	-3.81	29.35	29.35	29.35		9.39	-247.25
Рентаб EBITDA, %	34.9	34.13	35.31	34.51	-0.1448	-0.2689	33.58	33.58	33.58	17.45	20.25	-0.54
Чистая рентаб, %	17.46	17.14	18.01	19.12	20.73	5.38	22.01		22.01	9.07	17.05	4.09
Operation Margin, %			28.51	29.06	32.31	6.84	21.48	21.48	21.48	13.39	22.23	-5.87

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		1.82	2	-4.45	1.42	1.52	1.59	2.2	1.63	1.68	1.64		8.25	1.75	0.62
ROA, %		0.0762	0.0818	-0.1788	0.0566	0.0592	0.0618	0.0856	0.0631	0.0663	0.0657		4.23	0.0685	1.23
ROS, %					18.5	18.9	19.31	27.02	16.83	22.22	16.69	22.01	9.07	20.95	-4.02
ROCE, %	0.5611	0.6002	0.3522	-0.6679	0.2085	0.2065	0.247	0.2136	0.1621			8.41	11.00	1.85	109.88
Ebit margin, %					28	26.63	30.91	26.42	23.06			29.35		27.27	1.96
Рентаб EBITDA, %		40.84	47.45	-89.03	32.05	30.56	34.81	30.64	26.51		29.48	33.58	17.45	31.00	-0.72
Чистая рентаб, %		24.63	26.95	-59.82	18.5	18.9	19.31	27.02	16.83	22.22	16.69		9.07	20.41	-2.87
Operation Margin, %					27.99	26.67	30.85	26.76	60.2	50.26	62.37	21.48	13.39	44.21	-4.30

	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	10.01	9.15	7.37	8.1	6.02	24.78	8.24		8.24	130.52	10.90	2.26
P/BV	0.5115	0.4544	0.0226	0.0222	0.3833	0.0199	0.52		0.52	113.66	0.1936	87.23
P/S	1.75	1.57	1.33	1.55	1.25	1.33	1.81		1.81	113.72	1.45	6.36
P/FCF						-0.1616	-13.65	-13.65	-13.65	9.43	-9.1539	338.76
E/P						0.0414	0.1588	0.1588	0.1588	0.54	0.1197	56.54
EV/EBIT			35.07	131.87	175.62	134.65	-42.92	-42.92	-42.92		71.26	-179.89
EV/EBITDA	-9.88	-10.04	-5.87	-16.19	4507.46	1909.82	-37.52		-37.52	139.65	1271.54	44.92
EV/S			-2.07	-5.59	-6.53	-5.13	-12.6	-12.6	-12.6	113.14	-8.4900	17.65
EV/FCF			-2.65	-0.5573	-6.74	0.6395	124.06	124.06	124.06	125.86	48.29	-394.79
Debt/EBITDA	11.63	9.92	9.26	28.91	-16584.16	-5734.76	37.39	37.39	37.39	-3.70	-4443.0460	5.28
Netdebt/Ebitda			162.23	2899.77	5369.45	2405.83	-42.93	-42.93	-42.93	22.55	2117.84	-143.06
Debt/Ratio			0.0527	0.2831	0.3046	0.205	0.1469	0.1469	0.1469	0.16	0.2173	-12.30
Debt/Equity			1.14	6.57	7.43	5.06	3.61	23.49	23.49	4.48	9.23	29.02
Debt/Net Income			18.15	117.99	115.85	286.45	57.04	57.04	57.04	21.02	126.87	-13.53
PEG								0.3223	0.3223		0.3223	0.00
Бета						0.817	4.43	-1.5	-1.5	-70.22	1.25	-222.45
Индекс Альтмана						0.0059	0.0132	0.0132	0.0132	7.67	0.0108	30.79

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E	6.08	5.92	6.79		44.43	89	-13127.81	8.24	7.86	6.95	8.78			130.52	-2619.1960	-123.18
P/BV		0.4113	0.4613	0.0194	0.019	0.0203	0.02	0.5206	0.5272	0.4619	0.604			113.66	0.4267	97.70
P/S		1.26	1.38	1.32	1.37	1.47	1.44	1.73	1.6	1.47	1.78			113.72	1.60	4.33
P/FCF													-13.65	9.43	-13.6500	0.00
E/P													0.1588	0.54	0.1588	0.00
EV/EBIT					-78.97	-49.35	-31.2	-0.611	-0.3623				-42.92		-24.8887	-2.75
EV/EBITDA	-20.87	-17.5	-15.66	197.31	-67.1	-56.77	-56.78	-0.1292	-0.0791		8.41			139.65	-21.0697	-168.26
EV/S					-22.11	-13.14	-9.64	-0.1614	-0.0836	7.65	6.67		-12.6	113.14	0.2950	139.05
EV/FCF					-273.24	-167.3	-123.37						124.06	125.86	-109.9625	-182.09
Debt/EBITDA	102.06	81.16	81.66		111.81	121.7	110.69	152.47	147.47		112.45		37.39	-3.70	112.09	-19.51
Netdebt/Ebitda					-86.29	-61.7	-43.5	-22.59	-21.26		1.72		-42.93	22.55	-25.7120	-0.26
Debt/Ratio					0.1076	0.1166	0.1228	0.1469	0.1455	0.1447	0.1296		0.1469	0.16	0.1427	0.00
Debt/Equity					2.73	3.01	3.12	3.61	3.73	3.51	3.26		23.49	4.48	7.52	45.44
Debt/Net Income					193.74	196.73	199.58	172.91	232.32	216.12	198.65		57.04	21.02	175.41	-19.89
PEG													0.3223		0.3223	0.00
Бета												-2.35	-1.5	-70.22	-1.9250	-20.11
Индекс Альтмана												0.0132	0.0132	7.67	0.0132	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	2.45	2.43	2.41	2.39	2.37	3.99	2.96			2.96		2.82	4.20
Дивиденд	35	35	35	35	35	60	45	70	45	90		51.00	5.15
Див доход, ао, %	1.87	1.94	2.04	2.23	2.51	4.32	4.34	5.58	5.05	5.31	4.22	4.36	15.01
Дивиденды / прибыль, %		20.89	20.92	17.58	17.57	15.32	101.78	19.68		19.68	39.77	34.39	2.28
Dividend Coverage Ratio									5.08	5.08		5.08	0.00

	2022Q1	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	2.37	2.68	627.54			210.86	542.14
Дивиденды / прибыль, %	235.96	61.13			39.77	148.55	-49.10
Dividend Coverage Ratio				5.08		5.08	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	2310	2310	0.00

	CAGR 5

	CAGR 5