TSE: 8393 - The Miyazaki Bank, Ltd.

Yield per half year: +15.14%
Dividend yield: +5.28%

Reporting The Miyazaki Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								39.39
Выручка, млрд ¥	48.14	47.65	50.73	49.13	58.27	60.18	53.66	53.66	54.39	1.13
Чистая прибыль, млрд ¥	8.77	9.73	7.13	8	7.47	8.13	7.09	7.09	7.56	-0.11
EV, млрд ¥	-48.46	-67.41	-98.98	-162.94	-206.78	-373.94	-873.66	-873.66	-343.2600	54.58
EBIT, млрд ¥	14.42	15.02	12.07	12.72	11.47	11.8	9.99	9.99	11.61	-3.71
EBITDA, млрд ¥	16.28	16.81	14.45	15.44	14.23	14.63	12.96	12.96	14.34	-2.15
Баланс стоимость, млрд ¥	146.26	151.67	148.32	158.58	159.13	163.09	189.85	189.85	163.79	5.06
FCF, млрд ¥	-112.22	88.9	157.27	254.53	485.93	-198.67	1.98	1.98	140.21	-58.31
Операционный денежный поток, млрд ¥	-109.99	91.32	161.68	256.48	487.69	-196.26	4.88	4.88	142.89	-50.35
Операционная прибыль, млрд ¥	12.82	13.78	12.07	12.72	8.72	8.96	12.21	12.21	10.94	0.23
Операционные расходы, млрд ¥	35.28	34.09	38.9	35.73	42.44	45.75	41.45	41.45	40.85	1.28
CAPEX, млрд ¥	2.23	2.42	4.41	1.95	1.76	2.41	1.31	1.31	2.37	-21.55

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			14.03	15.18	1 775.14	14.13	13.62	16.81	16.74	15.22	12.54	19.69	16.20	3.21
Чистая прибыль, млрд ¥			1.73	3.48	-27.34	2.92	1.34	2.1	0.736	3.05	1.8	3.23	2.18	8.99
EV, млрд ¥			-217.47	-361.15	-58 840.52	-463.42	-348.92	-156.34	-146.92	1 713.19	-177.29	-236.71	199.19	8.65
EBIT, млрд ¥				3.53	-74.47	3.83	1.24		1.37	4.17			-12.7720	-156.19
EBITDA, млрд ¥	2.67	4.99	2.97	5.17	43.52	4.55	1.99	0.739	2.13	4.85			2.85	1.29
Баланс стоимость, млрд ¥			154.87	157.32	25 624.64	170.17	170.33	177.3	189.85	190.22	188.52	190.53	187.28	1.45
FCF, млрд ¥				1.42	1.5	1.43	1.5	1.48					1.47	0.83
Операционный денежный поток, млрд ¥	487.69		-429.17	1.42	1.5	1.43	1.5	1.48					1.47	0.83
Операционная прибыль, млрд ¥			2.97	5.17	43.52	3.83	1.99	2.8	1.38	3.56	6.41	13.48	5.53	36.93
Операционные расходы, млрд ¥			11.49	10.94	1 319.49	10.24	11.64	9.53	10.16	10.65	6.12	6.21	8.53	-8.21
CAPEX, млрд ¥	1.76		1.14		2.41								1.77	11.05

	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 ¥	272.94	363.13	566.96	720.68	1 189.79	1 016.87	925.05	925.05	883.87	10.29
Total Current Assets ¥		2 414.74	566.96	720.68	1 189.79	1 016.87	1 856.41	1 856.41	1070.14	26.77
Чистые активы, млрд ¥	2 255.21	2 414.74	566.96	720.68	23.31	23.01		23.01	749.74	-60.57
Активы, млрд ¥	2 966.55	3 101.63	3 325.08	3 653.87	4 241.96	4 025.55	4 110.85	4 110.85	3871.46	4.33
Short Term Debt ¥		254.43	394.09	488.01	791.04	333.98	248.51	248.51	451.13	-8.81
Long Term Debt ¥		279.77		271.41	620.32	413.01		413.01	396.13	10.23
Задолженность, млрд ¥	2 820.09	2 949.76	431.27	517.26	4 082.83	526.71	3 921	3 921	1895.81	55.50
Чистый долг, млрд ¥	-105.54	-115.26	-135.69	-203.42	-242.6	-414.57	-925.05	-925.05	-384.2660	46.80
Долг, млрд ¥	167.4	247.87	431.27	517.26	1 411.36	746.99	726.71	726.71	766.72	11.00
Расходы на обслуживание долга ¥		1.28	1.32	0.702	0.58	3.08	9.71	9.71	3.08	49.05
Чист. проц. доходы, млрд ¥	34.14	33.97	35.17	34.75	37.81	44.66	43.55	44.66	39.19	4.37
Амортизация, млрд ¥		1.8	2.38	2.72	2.75	2.84	2.96	2.96	2.73	4.46
Себестоимость, млрд ¥							7.96	7.96	7.96	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				817.25	890.94	159 770.21	1 015.56	1 000.77	1 111.6	925.05	927.22	840.28	833.47	927.52	-5.60
Total Current Assets ¥				817.25	890.94	159 770.21	1 015.56	1 000.77	1 116.81	931.36	931.49	840.28	833.47	930.68	-5.68
Чистые активы, млрд ¥	3 484.72	1 189.79	1 250.06	817.25	890.94	3 614.85	22.97							1319.21	-55.04
Активы, млрд ¥				3 883.81	3 885.77	632 492.65	4 072.88	4 147.19	4 270.18	4 110.85	4 191.3	4 119.11	4 074.64	4153.22	-0.93
Short Term Debt ¥					231.11	52 474.33	237.21	359.74	433.4	248.51	285.71			312.91	3.79
Long Term Debt ¥				332.65	372.86	64 892.12								21865.88	479.96
Задолженность, млрд ¥				3 728.95	3 728.46	94 632.82	557.59	601.99	4 092.88	3 920.85	4 001.08	3 930.58	3 884.11	3965.90	-1.04
Чистый долг, млрд ¥				-255	-402.77	-65 137.39	-503.87	-398.77	-200.14	-198.34	1 654.47	-222.92	-290.12	148.59	7.71
Долг, млрд ¥				562.25	488.17	94 632.82	511.69	601.99	911.46	726.71	727.25	617.36	543.35	705.23	-9.83
Расходы на обслуживание долга ¥		0.161	0.247	0.434	0.931	230.65	1.72	1.93	2.75	3.27	3.51			2.64	15.33
Чист. проц. доходы, млрд ¥	9.37	9.9	14.08	10.58	11.22	1 379.82	1 587.38	1 489.34	1 759.58	12.77				1245.78	-60.80
Амортизация, млрд ¥					0.709	118	0.717	0.749	0.739	0.756	0.688			0.7298	-0.82
Себестоимость, млрд ¥											-2.65			-2.6500	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	507.78	562.99	412.01	461.74	430.97	468.09	407.79		407.79	436.12	-0.21
Цена акции ао					2478	2619	3130	3435	3435	2915.50	8.51
Число акций ао, млн		17.28	17.29	17.31	17.34	17.36	17.38		17.38	17.34	0.10
FCF/акцию	-6497.5	5144.28	9094.52	14699.91	28023.59	-11442.92	114.05		114.05	8097.83	-58.35

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS	99.88	200.74	-1583.29	167.81	76.88	120.81	42.33	176.52	105.68	189.5		126.97	9.42
Цена акции ао											3435	3435.00	0.00
FCF/акцию		81.68	86.99	82.55	86.2	85.03						84.49	0.81

	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, %	6.15	6.53	4.75	5.21	4.7	5.04	4.02		4.02	8.25	4.74	-3.28
ROA, %	0.295	0.3207	0.2217	0.2291	0.1893	0.1966	0.1742		0.1742	4.23	0.2022	-4.71
ROIC, %			1.53	1.06	0.5967	1.08			1.08	6.99	1.07	-8.34
ROS, %			14.04	16.27	12.83	13.5	13.21	13.21	13.21	9.07	13.80	-4.08
ROCE, %	3.3	3.32	2.56	2.16	0.9024	0.8194	0.2431	5.26	5.26	11.00	1.88	19.48
Ebit margin, %			21.21	24.48	19.69	19.6	18.62	18.62	18.62		20.20	-5.33
Рентаб EBITDA, %	33.83	35.28	28.48	31.43	24.42	24.31	24.14	24.14	24.14	17.45	25.69	-5.14
Чистая рентаб, %	18.22	20.42	14.04	16.27	12.83	13.5	13.21		13.21	9.07	13.97	-1.21
Operation Margin, %			16.48	18.92	14.96	14.89	22.76	22.76	22.76	13.39	18.86	3.76

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		1.08	2.2	-0.1101	1.82	0.8182	1.25	0.424	1.7	0.9788	1.72		8.25	1.21	6.59
ROA, %		0.0425	0.0897	-0.0044	0.072	0.0325	0.0499	0.0176	0.0735	0.0434	0.0789		4.23	0.0527	9.60
ROS, %					20.62	9.81	12.49	4.4	20.06	14.38	16.43	13.21	9.07	13.70	24.59
ROCE, %			0.2567	-0.0315	0.261	0.0834		0.0648	0.1533			5.26	11.00	1.16	82.33
Ebit margin, %					27.09	9.09		8.2	27.37			18.62		18.07	-7.22
Рентаб EBITDA, %	25.35	21.17	34.08	2.45	32.16	14.59	4.4	12.72	31.89			24.14	17.45	17.55	10.60
Чистая рентаб, %		12.35	22.95	-1.54	20.62	9.81	12.49	4.4	20.06	14.38	16.43		9.07	13.55	5.64
Operation Margin, %					27.08	14.59	16.68	8.21	23.4	51.15	68.46	22.76	13.39	34.80	22.62

	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	6.51	4.92	5.15	5.06	4.79	5	7.25		7.25	130.52	5.45	7.08
P/BV	0.3898	0.3151	0.0127	0.0129	0.2251	0.0116	0.2707		0.2707	113.66	0.1066	84.39
P/S	1.19	1	0.7237	0.824	0.6148	0.675	0.9577		0.9577	113.72	0.7590	5.76
P/FCF						-0.1983	19.87	19.87	19.87	9.43	13.18	-564.47
E/P						0.2064	0.1799	0.1799	0.1799	0.54	0.1887	-4.48
EV/EBIT			-9.2	-13.55	-18.02	-31.7	-87.42	-87.42	-87.42		-47.6220	45.19
EV/EBITDA	-2.98	-4.01	-6.85	-10.55	-14.54	-25.55	-67.44		-67.44	139.65	-24.9860	58.00
EV/S			-1.95	-3.32	-3.55	-6.21	-16.28	-16.28	-16.28	113.14	-9.1280	37.44
EV/FCF			-0.6293	-0.6401	-0.4255	1.88	-440.8	-440.8	-440.8	125.86	-176.1571	269.49
Debt/EBITDA	10.28	14.74	29.85	33.49	99.21	51.05	56.09	56.09	56.09	-3.70	59.19	10.86
Netdebt/Ebitda			-12.63	-16.92	-17.05	-28.33	-71.4	-71.4	-71.4	22.55	-41.0200	33.37
Debt/Ratio			0.1297	0.2078	0.3327	0.1856	0.1768	0.1768	0.1768	0.16	0.2159	-3.18
Debt/Equity			2.91	4.79	8.87	4.58	3.83	20.65	20.65	4.48	8.54	33.94
Debt/Net Income			60.53	94.99	188.86	91.91	102.54	102.54	102.54	21.02	116.17	1.54
PEG								0.0313	0.0313		0.0313	0.00
Бета						-0.6707	1.26	-0.3055	-0.3055	-70.22	0.0946	-23.06
Индекс Альтмана						0.01	0.0228	0.0226	0.0226	7.67	0.0185	31.23

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E		4.46	3.93	4.18		5.08	6.59	7.09	7.25	8.15	6.01	6.09			130.52	6.92	-2.99
P/BV			0.2423	0.2646	0.0117	0.0115	0.0141	0.247	0.2706	0.3087	0.2421	0.2803			113.66	0.2697	2.56
P/S			0.5898	0.6545	0.6687	0.7393	0.9177	0.7829	0.8383	0.9448	0.7547	0.8389			113.72	0.8319	1.39
P/FCF														19.87	9.43	19.87	0.00
E/P														0.1799	0.54	0.1799	0.00
EV/EBIT						-121.03	-281.61		-107.01	411.33				-87.42		-37.1480	-6.30
EV/EBITDA	-17.17	-21.07	-14.45	-22.86	-31.75	-35.5	-29.56	-18.83	-15.63	176.45					139.65	15.39	-237.81
EV/S						-32.79	-25.61	-9.3	-8.78	112.57	-14.14	-12.02		-16.28	113.14	12.27	13.14
EV/FCF						-323.16	-232.92	-105.78						-440.8	125.86	-275.6650	8.07
Debt/EBITDA		186.89	189.24	94.39	2174.36	112.56	302.81	1233.37	341.34	149.86				56.09	-3.70	416.69	-28.63
Netdebt/Ebitda						-110.84	-200.59	-270.83	-93.16	340.92				-71.4	22.55	-59.0120	-18.66
Debt/Ratio						0.1256	0.1452	0.2134	0.1768	0.1735	0.1499	0.1333		0.1768	0.16	0.1621	0.00
Debt/Equity						3.01	3.53	5.14	3.83	3.82	3.27	2.85		20.65	4.48	6.88	40.07
Debt/Net Income						175.54	450.59	434.03	987.38	238.21	342.4	168.01		102.54	21.02	367.71	-36.43
PEG														0.0313		0.0313	0.00
Бета													-2.56	-0.3055	-70.22	-1.4327	-65.45
Индекс Альтмана													0.0248	0.0226	7.67	0.0237	-4.54

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	1.55	1.55	1.81	1.72	1.72	1.9	1.73			1.73		1.78	-0.90
Дивиденд	49.5	90	105	100	35.96	100	100	105	55	110		79.19	8.87
Див доход, ао, %	1.38	2.74	4	4.39	2.52	6.98	5.4	5.72	4.85	5.28	4.22	5.09	13.99
Дивиденды / прибыль, %		17.66	15.93	25.39	21.56	23.07	23.35	24.4		24.4	39.77	23.55	-0.79
Dividend Coverage Ratio									4.1	4.1		4.10	0.00

	2022Q1	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	1.72	0.862	1.9			1.49	3.37
Дивиденды / прибыль, %	103.92	49.74			39.77	76.83	-30.82
Dividend Coverage Ratio				4.1		4.10	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1308	1449	5.25

	CAGR 5

	CAGR 5