TSE: 8399 - Bank of The Ryukyus, Limited

Yield per half year: +4.75%
Dividend yield: +5.30%

Reporting Bank of The Ryukyus, Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								38.14
Выручка, млрд ¥	55.83	56.06	56.11	52.23	51.45	52.01	63.25	63.25	55.01	2.42
Чистая прибыль, млрд ¥	8.79	6.11	4.95	2.58	5.59	5.9	5.65	5.65	4.93	2.68
EV, млрд ¥	-87.14	-188.68	-245.67	-363.31	-438.3	-454.51	-243.56	-243.56	-349.0700	-0.17
EBIT, млрд ¥	13.79	10.08	8.15	4.14	8.12	8.43	8.36	8.36	7.44	0.51
EBITDA, млрд ¥	16.47	12.86	11.12	7.08	11.12	11.41	11.53	11.53	10.45	0.73
Баланс стоимость, млрд ¥	117.94	128.11	129.96	131.82	135.02	138.16	142.56	142.56	135.50	1.87
FCF, млрд ¥	-12.68	-65.33	27.23	291.61	282.68	-56.59	-51.26	-51.26	98.73	-213.49
Операционный денежный поток, млрд ¥	-8.38	-61.29	31.12	295.37	286.12	-52.27	-37.26	-37.26	104.62	-203.67
Операционная прибыль, млрд ¥	12.35	8.57	8.15	4.14	5.11	5.44	8.38	8.38	6.24	0.56
Операционные расходы, млрд ¥	44.68	47.07	48.88	45.5	44.44	45.7	49.87	49.87	46.88	0.40
CAPEX, млрд ¥	4.3	4.04	3.89	3.76	3.44	4.33	13.09	13.09	5.70	27.47

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			13.76	12.76	2 023.54	13.76	15.65	14.22	16.59	16.52	16.01	16.84	16.04	3.44
Чистая прибыль, млрд ¥			2.54	0.707	231.44	1.14	2.73	0.725	1.06	2.03	1.48	1.56	1.37	16.56
EV, млрд ¥			-511.78	-494.64	-71 549.18	-494.28	-326.35	-281.62	-243.6	307.78	-202.06	-170.41	-117.9820	-9.56
EBIT, млрд ¥				1.35	210.07	1.65	3.73	1.19	1.8	2.9			2.25	11.94
EBITDA, млрд ¥	1.08	1.74	3.81	1.35	329.64	2.41	4.48	2	2.64	3.72			3.05	9.07
Баланс стоимость, млрд ¥			134.86	134.57	21 707.64	138.72	138.24	141.76	142.56	140.11	143.32	141.61	141.87	-0.02
FCF, млрд ¥				1.51	1.52	1.52	1.51	1.62					1.54	1.42
Операционный денежный поток, млрд ¥	286.12		-85.87	1.51	1.52	1.52	1.51	1.62					1.54	1.42
Операционная прибыль, млрд ¥			3.81	1.35	329.64	1.65	3.73	1.19	1.82	1.95	9.11	9.64	4.74	51.95
Операционные расходы, млрд ¥			10.11	11.72	2 034.86	12.11	11.91	13.02	12.62	13.44	6.9	7.2	10.64	-11.17
CAPEX, млрд ¥	3		2.79		4.28								3.36	12.57

	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 ¥	203.2	254.21	305.96	525.14	770.55	598.66	341.76	341.76	508.41	2.24
Short Term Investments ¥		15.15					687.52	687.52	351.33	573.65
Total Current Assets ¥		2 067.03	305.96	525.14	770.55	598.66	341.76	341.76	508.41	2.24
Чистые активы, млрд ¥	1 912.8	2 067.03	305.96	525.14	23.25	25.01		25.01	589.28	-58.64
Активы, млрд ¥	2 358.76	2 389.61	2 435.69	2 778.14	3 064.87	3 042.52	3 067.02	3 067.02	2877.65	4.72
Short Term Debt ¥		29.14	11.87	118.84	287.84	131.76	36	36	117.26	24.84
Long Term Debt ¥		40.85		129.63	298.62	105.34		105.34	143.61	26.72
Задолженность, млрд ¥	2 240.83	2 261.5	20.12	128.57	2 929.85	141.67	2 924.45	2 924.45	1228.93	170.70
Чистый долг, млрд ¥	-149.08	-235.09	-285.84	-396.57	-472.68	-493.8	-294.32	-294.32	-388.6420	0.59
Долг, млрд ¥	54.12	19.12	20.12	128.57	586.47	237.1	47.44	47.44	203.94	18.71
Расходы на обслуживание долга ¥		1.54	1.33	0.414	0.173	0.97	2.02	2.02	0.9814	8.72
Чист. проц. доходы, млрд ¥	29.87	29.47	29.39	28	27.79	28.25	29.3	28.25	28.55	-0.06
Амортизация, млрд ¥		2.79	2.97	2.94	3	2.98	3.17	3.17	3.01	1.31
Себестоимость, млрд ¥							0.109	0.109	0.1090	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				653.23	639.27	94 061.53	551.48	394.43	346.91	341.76	234.96	261.81	234.17	283.92	-7.56
Total Current Assets ¥				653.23	639.27	94 061.53	551.48	394.43	346.91	354.8	247.71	261.81	234.17	289.08	-7.56
Чистые активы, млрд ¥	2 482	770.55	893.74	653.23	639.27	3 928.93	26.72							1228.38	-50.44
Активы, млрд ¥				2 994.66	2 993.65	478 040	2 990.2	3 008.19	3 013.03	3 067.02	3 039.69	3 031.91	3 049.42	3040.21	0.24
Short Term Debt ¥					27.32	20 701.61	31.4	37.56	34.56	36	3.06			28.52	-37.23
Long Term Debt ¥				108.61	108.51	16 551.29								5589.47	434.14
Задолженность, млрд ¥				2 859.8	2 859.08	16 476.35	50.53	19.58	19.83	2 924.45	2 899.59	2 888.59	2 907.81	2328.05	171.17
Чистый долг, млрд ¥				-544.62	-530.76	-77 585.19	-532.35	-374.85	-327.08	-294.32	257.09	-243.2	-214.51	-164.4040	-8.09
Долг, млрд ¥				108.61	108.51	16 476.35	19.13	19.58	19.83	47.44	21.61	18.61	19.66	25.43	-0.17
Расходы на обслуживание долга ¥		0.035	0.065	0.188	0.315	63.16	0.48	0.485	0.532	0.52	0.196			0.4426	-16.40
Чист. проц. доходы, млрд ¥	6.99	6.87	6.93	7.07	7.16	1 114.29	1 141	1 152.63	1 149.17	7.39				912.90	-63.33
Амортизация, млрд ¥					0.001	119.57	0.76	0.753	0.811	0.843	0.82			0.7974	1.53
Себестоимость, млрд ¥										0.093				0.0930	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	229.19	148.39	114.87	59.79	130.74	138.96	135.49		135.49	115.97	3.36
Цена акции ао					873	1106	1066	1192	1192	1059.25	8.10
Число акций ао, млн		41.14	43.1	43.13	42.76	42.43	41.71		41.71	42.63	-0.65
FCF/акцию	-330.86	-1587.83	631.73	6760.54	6611.34	-1333.88	-1229.07		-1229.07	2288.13	-214.24

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	5 quarters average	CAGR 5
EPS	59.66	16.62	5464.13	27.25	65.45	17.4	25.44	48.95	35.76	37.78		33.07	16.77
Цена акции ао											1192	1192.00	0.00
FCF/акцию		35.46	35.93	36.46	36.11	38.93						36.58	1.88

	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, %	7.77	4.96	3.84	1.97	4.19	4.32	4.03		4.03	8.25	3.67	0.97
ROA, %	0.3809	0.2571	0.2052	0.0989	0.1913	0.1931	0.185		0.185	4.23	0.1747	-2.05
ROIC, %			4.16	1.02	0.9808	1.97			1.97	6.99	2.03	-17.04
ROS, %			8.82	4.94	10.87	11.34	8.93	8.93	8.93	9.07	9.00	12.57
ROCE, %	5.68	5.15	4.52	1.44	0.8764	0.8924	0.2727	5.87	5.87	11.00	1.87	32.45
Ebit margin, %			12.17	1.52	15.77	16.21	13.22	13.22	13.22		11.99	54.13
Рентаб EBITDA, %	29.5	22.94	19.82	13.55	21.61	21.93	18.23	18.23	18.23	17.45	18.71	6.11
Чистая рентаб, %	15.73	10.89	8.82	4.94	10.87	11.34	8.93		8.93	9.07	8.98	0.25
Operation Margin, %			6.88	1.52	9.94	10.46	13.25	13.25	13.25	13.39	9.68	54.20

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		1.88	0.5243	1.09	0.835	1.99	0.5241	0.7584	1.44	1.05	1.1		8.25	0.9745	15.98
ROA, %		0.082	0.0236	0.0488	0.0377	0.091	0.0241	0.0349	0.0665	0.0488	0.0514		4.23	0.0451	16.36
ROS, %					8.25	17.44	5.1	6.39	12.29	9.24	9.28	8.93	9.07	9.23	6.92
ROCE, %			0.1267	0.1251	0.166	0.3835	0.1248	0.1918	0.1997			5.87	11.00	1.35	72.57
Ebit margin, %					11.98	23.82	8.36	10.84	17.57			13.22		14.76	-11.11
Рентаб EBITDA, %	13.82	27.69	10.55	16.29	17.5	28.63	14.06	15.92	22.54			18.23	17.45	19.88	-8.63
Чистая рентаб, %		18.45	5.54	11.44	8.25	17.44	5.1	6.39	12.29	9.24	9.28		9.07	8.46	12.72
Operation Margin, %					11.96	23.81	8.37	10.97	11.83	56.9	57.24	13.25	13.39	30.04	3.85

	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	7.05	7.6	8.11	12.9	6.15	6.66	8.98		8.98	130.52	8.56	2.06
P/BV	0.5252	0.3622	0.0166	0.0126	0.2546	0.0135	0.356		0.356	113.66	0.1307	84.62
P/S	1.11	0.8278	0.716	0.6367	0.6682	0.7554	0.8025		0.8025	113.72	0.7158	2.31
P/FCF						-0.674	-0.744	-0.744	-0.744	9.43	-0.7207	3.35
E/P						0.1547	0.1482	0.1482	0.1482	0.54	0.1504	-1.42
EV/EBIT			-35.99	-458.71	-54.01	-53.92	-29.12	-29.12	-29.12		-124.9760	-42.39
EV/EBITDA	-5.29	-14.67	-22.1	-51.33	-39.42	-39.84	-21.12		-21.12	139.65	-34.7620	-0.90
EV/S			-4.38	-6.96	-8.52	-8.74	-3.85	-3.85	-3.85	113.14	-6.3840	-11.17
EV/FCF			-9.02	-1.25	-1.55	8.03	4.75	4.75	4.75	125.86	2.95	-230.60
Debt/EBITDA	3.29	1.49	1.81	18.17	52.75	20.79	4.11	4.11	4.11	-3.70	19.99	-25.72
Netdebt/Ebitda			-41.88	-106.38	-42.51	-43.29	-25.53	-25.53	-25.53	22.55	-48.6480	-24.83
Debt/Ratio			0.0083	0.0894	0.1914	0.0779	0.0155	0.0155	0.0155	0.16	0.0779	-29.56
Debt/Equity			0.1548	1.89	4.34	1.72	0.3327	20.51	20.51	4.48	5.76	61.10
Debt/Net Income			4.06	96.34	104.91	40.21	8.39	8.39	8.39	21.02	51.65	-38.63
PEG								0.0566	0.0566		0.0566	0.00
Бета						0.0527	0.2425	0.1601	0.1601	-70.22	0.1518	44.83
Индекс Альтмана						0.0184	-0.0055	-0.0023	-0.0023	7.67	0.0035	-150.00

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E			5.36	7.07	6.54	6.6	8.07	7.53	8.98	7.78	7.79	7.21			130.52	7.86	-0.86
P/BV			0.2435	0.2684	0.0131	0.0129	0.0162	0.0152	0.3557	0.3618	0.2871	0.3114			113.66	0.2662	82.93
P/S			0.6413	0.7002	0.741	0.726	0.8879	0.8078	0.8424	0.8084	0.652	0.6703			113.72	0.7562	-3.66
P/FCF														-0.744	9.43	-0.7440	0.00
E/P														0.1482	0.54	0.1482	0.00
EV/EBIT						-299.75	-87.54	-237.05	-135.48	106.06				-29.12		-76.6260	-19.76
EV/EBITDA	-52.86	-71.41	-55.69	-62.03	-54.03	-46.44	-30.29	-25.63	-21.13	23.96					139.65	-19.9060	-187.60
EV/S						-35.91	-20.85	-19.81	-14.68	18.64	-12.62	-10.12		-3.85	113.14	-4.5260	-23.48
EV/FCF						-325.19	-216.7	-173.63						4.75	125.86	-177.6925	-134.76
Debt/EBITDA		170.8	28.51	80.56	49.98	7.94	4.37	9.92	17.96	5.81				4.11	-3.70	8.43	-1.22
Netdebt/Ebitda						-220.98	-83.65	-163.62	-111.44	69.07				-25.53	22.55	-63.0340	-21.13
Debt/Ratio						0.0064	0.0065	0.0066	0.0155	0.0071	0.0061	0.0064		0.0155	0.16	0.0101	0.00
Debt/Equity						0.1379	0.1416	0.1399	0.3327	0.1543	0.1299	0.1389		20.51	4.48	4.25	128.03
Debt/Net Income						16.84	7.17	27.35	44.75	10.65	12.58	12.58		8.39	21.02	17.79	-28.45
PEG														0.0566		0.0566	0.00
Бета													-3.44	0.1601	-70.22	-1.6400	-121.57
Индекс Альтмана													-0.0023	-0.0023	7.67	-0.0023	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	1.33	1.69	1.5	1.29	1.28	1.49	1.5			1.5		1.41	0.00
Дивиденд	35	24.5	35	30	12.59	35	36	37.5	19	38		28.02	8.58
Див доход, ао, %	2.15	1.89	2.85	3.47	2.37	6.86	4.69	5.62	4.98	5.3	4.22	4.90	16.01
Дивиденды / прибыль, %		15.18	27.67	30.26	50.06	22.95	25.2	26.49		26.49	39.77	30.99	-2.63
Dividend Coverage Ratio									3.77	3.77		3.77	0.00

	2022Q1	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	1.28	0.742	1.49			1.17	5.19
Дивиденды / прибыль, %	185.94	29.24	100.88		39.77	105.35	-18.44
Dividend Coverage Ratio				3.77		3.77	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1758	1758	0.00

	CAGR 5

	CAGR 5