TSE: 8386 - The Hyakujushi Bank, Ltd.

Yield per half year: +28.7%
Dividend yield: +5.53%

Reporting The Hyakujushi Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								53.04
Выручка, млрд ¥	71.46	66.54	67.08	62.56	67.26	73.51	63.91	63.91	66.86	-0.96
Чистая прибыль, млрд ¥	10.23	5.58	7.72	2.57	11.7	9.17	9.64	9.64	8.16	4.54
EV, млрд ¥	-341.52	-449.24	-257.99	-439.05	-343.16	-499.54	-362.91	-362.91	-380.5300	7.06
EBIT, млрд ¥	20.61	16.02	16.15	7.4	15.04	13.21	14.28	14.28	13.22	-2.43
EBITDA, млрд ¥	23.47	19.3	19.53	10.73	18.29	16.34	17.13	17.13	16.40	-2.59
Баланс стоимость, млрд ¥	293.6	286.57	249.83	291.7	284.33	281.1	329.19	329.19	287.23	5.67
FCF, млрд ¥	-236.32	149.47	72.03	213.53	251.24	-154.66	-96.38	-96.38	57.15	-206.00
Операционный денежный поток, млрд ¥	-233.05	153.02	74.58	216.35	253.92	-152.15	-61.42	-61.42	66.26	-196.19
Операционная прибыль, млрд ¥	15.27	10.3	16.15	7.4	11.79	10.08	15.18	15.18	12.12	-1.23
Операционные расходы, млрд ¥	55.71	54.13	54.08	56.26	52.2	60.32	49.45	49.45	54.46	-1.77
CAPEX, млрд ¥	3.27	3.55	2.55	2.83	2.68	2.5	2.21	2.21	2.55	-2.82

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			19.55	19.05	2 196.22	16.1	15.21	16.37	21.57	18.47	14.29	19.91	18.12	3.99
Чистая прибыль, млрд ¥			2.63	1.02	343.31	3.74	1.22	2.05	2.64	4.53	2.14	3.33	2.94	10.19
EV, млрд ¥			-394.37	-389.51	-78 526.22	-454.74	-276.98	-316.05	-363.23	-315.67	-185.28	-49.05	-245.8560	-31.11
EBIT, млрд ¥			5.26	4.81	231.12	4.97	1.62	2.77	3.49	6.9			3.95	6.78
EBITDA, млрд ¥	0.873	5.79	5.26	4.81	359.02	5.69	2.34	3.49	4.18	7.55			4.65	5.82
Баланс стоимость, млрд ¥			270.79	265.53	44 165.85	295.82	292.11	303.39	329.19	329.71	338.47	331.64	326.48	1.80
FCF, млрд ¥				240.32	1.63	1.44	1.45	1.43					49.25	-64.12
Операционный денежный поток, млрд ¥			-297.27	240.32	1.63	1.44	1.45	1.43					49.25	-64.12
Операционная прибыль, млрд ¥			5.26	4.81	359.02	5.69	1.62	3.49	3.56	10.33	6.11	11.58	7.01	27.11
Операционные расходы, млрд ¥			15.89	16.83	1 849.3	10.38	13.47	12.86	10.97	8.13	8.18	8.33	9.69	-8.32
CAPEX, млрд ¥			0.913		2.5								1.71	65.48

	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 ¥	706.53	829.93	652.01	893.02	1 116	1 197.85	1 080.56	1 080.56	987.89	10.63
Short Term Investments ¥							1 112.95	1 112.95	1112.95	0.00
Total Current Assets ¥		3 764.37	652.01	893.02	1 116	1 197.85	1 080.56	1 080.56	987.89	10.63
Чистые активы, млрд ¥	3 666.53	3 764.37	652.01	893.02	37.13	36.87		36.87	1076.68	-60.35
Активы, млрд ¥	4 777.06	4 895.62	4 953.95	5 375.57	5 747.27	5 809.36	5 840.65	5 840.65	5545.36	3.35
Short Term Debt ¥		195.86	334.89	334.97	460.78	158.65	156.38	156.38	289.13	-14.13
Long Term Debt ¥		412.25		393.33	700.62	624.43		624.43	532.66	10.94
Задолженность, млрд ¥	4 473.46	4 609.05	340.39	405.42	5 462.93	624.43	5 511.47	5 511.47	2468.93	74.53
Чистый долг, млрд ¥	-448.25	-516.94	-311.62	-487.6	-392.13	-553.06	-449.68	-449.68	-438.8180	7.61
Долг, млрд ¥	258.28	312.99	340.39	405.42	1 161.39	783.08	630.88	630.88	664.23	13.13
Расходы на обслуживание долга ¥		7.33	5.18	2.29	1.51	7.91	14.27	14.27	6.23	22.47
Чист. проц. доходы, млрд ¥	48.07	44.47	42.59	40.65	41.14	47.87	52.35	47.87	44.92	4.21
Амортизация, млрд ¥		3.27	3.38	3.33	3.25	3.13	2.85	2.85	3.19	-3.35
Себестоимость, млрд ¥							14.42	14.42	14.42	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				1 014.81	971.51	188 206.34	1 190.27	962.33	995.86	1 080.56	1 049.69	886.27	775.22	957.52	-4.89
Total Current Assets ¥				1 014.81	971.51	188 206.34	1 190.27	962.33	995.86	1 146.86	1 049.69	886.27	775.22	970.78	-4.89
Чистые активы, млрд ¥	4 368.1	1 116	1 118.32	1 014.81	971.51	5 792.53	36.87							1786.81	-49.46
Активы, млрд ¥				5 636.43	5 583.25	912 764.17	5 874.24	5 753.16	5 763.29	5 840.65	5 927.27	5 784.5	5 792.38	5821.62	0.10
Short Term Debt ¥					20.11	24 926.87	42.2	49.89	18.72	156.38	16.61			56.76	-17.01
Long Term Debt ¥					512.37	98 110.51	640.61							33087.83	7.73
Задолженность, млрд ¥				5 365.64	5 317.72	101 309.46	640.61	609.67	613.16	5 511.46	5 597.56	5 446.03	5 460.74	4525.79	54.86
Чистый долг, млрд ¥				-442.88	-443.88	-86 896.88	-507.47	-352.65	-382.7	-449.68	-408.76	-255.79	-142.13	-327.8120	-17.97
Долг, млрд ¥				571.93	527.63	101 309.46	682.81	609.67	613.16	630.88	640.93	630.49	633.09	629.71	0.64
Расходы на обслуживание долга ¥		0.394	0.683	1.64	2.61	467.43	3.38	3.61	3.67	3.61	2.31			3.32	-7.33
Чист. проц. доходы, млрд ¥	11.4	9.57	12.04	10.89	12.93	1 886.06	2 106.82	1 902.09	2 043.5	13.83				1590.46	-62.58
Амортизация, млрд ¥				0.001	-0.001	127.9	0.721	0.723	0.715	0.691	0.654			0.7008	-1.93
Себестоимость, млрд ¥										3.46	-0.743			1.36	-146.34

	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	345.9	189.05	261.22	86.91	396.7	315.49	336.13		336.13	279.29	5.17
Цена акции ао					1913	2406	3275	3665	3665	2814.75	17.65
Число акций ао, млн		29.54	29.53	29.51	29.5	29.07	28.69		28.69	29.26	-0.58
FCF/акцию	-7992.87	5060.44	2438.88	7234.94	8517.22	-5319.79	-3359.77		-3359.77	1902.30	-206.62

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS	89.39	34.56	11863.31	129.3	42.62	71.72	92.27	158.53	74.94	117.09		102.91	10.30
Цена акции ао											3665	3665.00	0.00
FCF/акцию		52.97	56.26	49.85	50.64	50.08						51.96	-1.12

	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, %	3.58	1.92	2.88	0.9473	4.06	3.24	3.16		3.16	8.25	2.86	1.87
ROA, %	0.2108	0.1155	0.1567	0.0497	0.2104	0.1587	0.1655		0.1655	4.23	0.1482	1.10
ROIC, %			1.71	0.4254	0.9615	1.07			1.07	6.99	1.04	-11.06
ROS, %			11.5	4.1	17.4	12.48	15.09	15.09	15.09	9.07	12.83	29.77
ROCE, %	2.99	2.04	2.17	0.9062	1.64	0.6018	0.6502	4.34	4.34	11.00	1.63	36.79
Ebit margin, %			16.35	2.85	22.36	17.97	22.35	22.35	22.35		17.58	50.97
Рентаб EBITDA, %	32.84	29	29.11	17.15	27.19	22.22	26.81	26.81	26.81	17.45	24.04	9.35
Чистая рентаб, %	14.31	8.39	11.5	4.1	17.4	12.48	15.09		15.09	9.07	12.11	5.58
Operation Margin, %			11.31	2.85	17.53	13.71	23.75	23.75	23.75	13.39	16.32	52.81

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		0.9268	0.3671	0.7994	1.36	0.4331	0.7102	0.8816	1.46	0.6685	1.01		8.25	0.9461	7.30
ROA, %		0.0463	0.0181	0.0384	0.064	0.0209	0.0356	0.0455	0.0769	0.0365	0.0575		4.23	0.0504	10.06
ROS, %					23.23	8	12.51	12.23	24.51	14.94	16.71	15.09	9.07	16.70	4.29
ROCE, %		0.5478	0.2288	0.0752	0.2203	0.0715	0.1214	0.1527	0.2175			4.34	11.00	0.9806	127.32
Ebit margin, %					30.85	10.63	16.94	16.18	37.35			22.35		20.69	16.02
Рентаб EBITDA, %	27.68	26.88	25.23	16.35	35.33	15.38	21.31	19.38	40.89			26.81	17.45	24.75	11.76
Чистая рентаб, %		13.47	5.34	15.63	23.23	8	12.51	12.23	24.51	14.94	16.71		9.07	16.18	5.96
Operation Margin, %					35.33	10.62	21.31	16.49	55.96	42.77	58.17	23.75	13.39	39.43	7.57

	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	10.44	12.12	6.95	18.93	4.18	5.84	9		9	130.52	8.98	5.31
P/BV	0.3516	0.2362	0.0116	0.0098	0.1722	0.0103	0.2636		0.2636	113.66	0.0935	86.77
P/S	1.49	1.02	0.7996	0.776	0.728	0.7281	1.36		1.36	113.72	0.8783	11.21
P/FCF						-0.3429	-0.5504	-0.5504	-0.5504	9.43	-0.4812	17.09
E/P						0.1729	0.1818	0.1818	0.1818	0.54	0.1788	1.69
EV/EBIT			-23.53	-246.66	-22.82	-37.82	-25.41	-25.41	-25.41		-71.6240	-36.53
EV/EBITDA	-14.55	-23.28	-13.21	-40.93	-18.76	-30.58	-21.18		-21.18	139.65	-24.9320	9.90
EV/S			-3.85	-7.02	-5.1	-6.8	-5.68	-5.68	-5.68	113.14	-6.0560	-4.15
EV/FCF			-3.58	-2.06	-1.37	3.23	3.77	3.77	3.77	125.86	1.47	-212.85
Debt/EBITDA	11.01	16.22	17.43	37.79	63.51	47.93	36.82	36.82	36.82	-3.70	44.57	-0.52
Netdebt/Ebitda			-28.42	-95.4	-21.44	-33.85	-26.25	-26.25	-26.25	22.55	-40.6380	-22.75
Debt/Ratio			0.0687	0.1355	0.2021	0.1348	0.108	0.108	0.108	0.16	0.1377	-4.44
Debt/Equity			1.36	2.5	4.08	2.79	1.92	16.74	16.74	4.48	5.61	46.27
Debt/Net Income			44.12	283.94	99.25	85.38	65.43	65.43	65.43	21.02	119.89	-25.44
PEG								0.0423	0.0423		0.0423	0.00
Бета						0.0096	3.7	0.2057	0.2057	-70.22	1.31	177.75
Индекс Альтмана						-0.0032	-0.016	-0.0169	-0.0169	7.67	-0.0120	74.15

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			4.41	6.14	5.85	5.51	9.38	7.31	9.01	8.93	6.23	7.4			130.52	7.78	0.25
P/BV			0.1791	0.2048	0.0103	0.0101	0.0147	0.0129	0.2626	0.2823	0.2083	0.2807			113.66	0.2094	85.15
P/S			0.6597	0.7372	0.7285	0.7682	1.19	1.09	1.25	1.3	0.9995	1.26			113.72	1.18	2.94
P/FCF														-0.5504	9.43	-0.5504	0.00
E/P														0.1818	0.54	0.1818	0.00
EV/EBIT						-91.55	-171.29	-113.97	-104.08	-45.77				-25.41		-92.1040	-31.73
EV/EBITDA	-20.74	-30.09	-23.2	-23.28	-37.84	-31.25	-20.87	-22.9	-23.14	-17.98					139.65	-23.2280	-10.47
EV/S						-28.24	-18.21	-19.31	-16.84	-17.09	-12.96	-2.46		-5.68	113.14	-11.0060	-19.54
EV/FCF						-315.35	-191.55	-221.01						3.77	125.86	-181.0350	-133.07
Debt/EBITDA		96.84	108.82	109.79	282.18	120.04	260.54	175.79	150.89	84.88				36.82	-3.70	141.78	-32.39
Netdebt/Ebitda						-89.22	-150.71	-109.72	-107.55	-54.13				-26.25	22.55	-89.6720	-29.50
Debt/Ratio						0.1162	0.106	0.1064	0.108	0.1081	0.109	0.1093		0.108	0.16	0.1085	0.00
Debt/Equity						2.31	2.09	2.02	1.92	1.94	1.86	1.91		16.74	4.48	4.87	54.20
Debt/Net Income						182.57	500.96	299.4	239.24	141.58	295.31	190.23		65.43	21.02	186.36	-22.84
PEG														0.0423		0.0423	0.00
Бета													-3.22	0.2057	-70.22	-1.5072	-125.27
Индекс Альтмана													-0.0141	-0.0169	7.67	-0.0155	9.48

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	2.36	2.51	2.51	2.37	1.77	2.2	2.16			2.16		2.20	-2.96
Дивиденд	80	40.5	45	80	21.57	75	75	115	60	120		69.31	22.70
Див доход, ао, %	2.15	1.4	1.98	5.04	2.12	6.3	4.2	6.01	5.06	5.53	4.22	4.74	19.00
Дивиденды / прибыль, %		23.12	44.99	32.57	92.24	15.16	23.96	22.43		22.43	39.77	37.27	-7.19
Dividend Coverage Ratio									4.46	4.46		4.46	0.00

	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	1.18	2.2			1.69	36.54
Дивиденды / прибыль, %	44.93	100.59		39.77	72.76	49.63
Dividend Coverage Ratio			4.46		4.46	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	2179	2179	0.00

	CAGR 5

	CAGR 5