TSE: 8522 - The Bank of Nagoya, Ltd.

Yield per half year: +24.41%
Dividend yield: +4.37%

Reporting The Bank of Nagoya, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								55
Выручка, млрд ¥	57.38	60.31	61.56	65.12	73.7	70.85	89.12	89.12	72.07	7.68
Чистая прибыль, млрд ¥	5.81	6.17	4.63	10.73	11.64	8.38	10.04	10.04	9.08	16.74
EV, млрд ¥	-167.86	-154.88	-57.33	-202.87	-95.57	-48.49	-34.16	-34.16	-87.6840	-9.84
EBIT, млрд ¥	11.25	12.32	8.74	16.69	16.06	11.48	14.51	14.51	13.50	10.67
EBITDA, млрд ¥	13.75	14.48	10.79	19.18	18.62	14	17.07	17.07	15.93	9.61
Баланс стоимость, млрд ¥	235.99	235.11	226.05	252.63	257.69	245.33	303.35	303.35	257.01	6.06
FCF, млрд ¥	37.24	-102.07	-164.08	597.57	106.37	-341.62	-34.67	-34.67	32.71	-26.72
Операционный денежный поток, млрд ¥	40.21	-100.58	-161.53	604.48	107.84	-339.74	-28.27	-28.27	36.56	-29.43
Операционная прибыль, млрд ¥	3.14	8.77	8.74	16.69	13.46	8.97	17.99	17.99	13.17	15.53
Операционные расходы, млрд ¥	49.54	51.25	54.09	53.85	55.72	57.98	71.65	71.65	58.66	5.78
CAPEX, млрд ¥	2.97	1.49	2.55	6.91	1.47	1.88	6.12	6.12	3.79	19.14

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Выручка, млрд ¥			18.39	17.38	2 688	18.47	22.53	29.11	21.61	22.03	20.74	25.02	23.70	-2.98
Чистая прибыль, млрд ¥			2.4	2.39	187.44	2.95	1.56	3.4	2.14	4.06	3.45	4.66	3.54	6.51
EV, млрд ¥			-53.37	-131.04	-7 724.23	-166.02	-146.69	-218.06	-35.54	-197.8	-290.6	-419.73	-232.3460	13.99
EBIT, млрд ¥	1.8	4.03	4.07	2.65	168.75	4.11	1.57	4.4	3.19	5.85			3.82	7.32
EBITDA, млрд ¥		4.03	4.07	5.32	272.45	4.71	2.18	5.03	3.91	0.002		3.78	2.98	11.64
Баланс стоимость, млрд ¥			238.65	235.66	38 545.52	258.22	261.26	265.1	303.35	287.95	278.71	289.65	284.95	1.79
FCF, млрд ¥				199.53	207.4	1.2	1.23	1.25					82.12	-63.74
Операционный денежный поток, млрд ¥			-569.64	199.53	207.4	1.2	1.23	1.25					82.12	-63.74
Операционная прибыль, млрд ¥			4.07	5.32	272.45	4.11	2.18	5.03	3.2	14.23	13.13	17.27	10.57	27.98
Операционные расходы, млрд ¥			15.44	14.09	2 198.73	14.36	20.35	24.09	15.09	7.53	7.61	7.76	12.42	-20.27
CAPEX, млрд ¥			0.842		295.7								148.27	1774.00

	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 ¥	348.14	320.58	191.66	832.79	851.45	451.94	557.28	557.28	577.02	23.80
Short Term Investments ¥							927.11	927.11	927.11	0.00
Total Current Assets ¥		3 053.42	191.66	832.79	851.45	451.94	557.28	557.28	577.02	23.80
Чистые активы, млрд ¥	2 928.1	3 053.42	191.66	832.79	36.84	36.98		36.98	830.34	-58.63
Активы, млрд ¥	3 833.7	3 897.21	3 934.96	4 912.75	5 162.84	5 098.25	5 431.04	5 431.04	4907.97	6.66
Short Term Debt ¥		69.8	38.42	513.88	677.78	160.51	38.6	38.6	285.84	0.09
Long Term Debt ¥		108.97		566.81	699.65	341.07		341.07	429.12	33.01
Задолженность, млрд ¥	3 597.04	3 661.47	90.96	573.18	4 905.15	418.87	5 127.69	5 127.69	2223.17	123.98
Чистый долг, млрд ¥	-259.7	-227.78	-100.7	-259.6	-146.89	-103.23	-147.34	-147.34	-151.5520	7.91
Долг, млрд ¥	88.44	92.79	90.96	573.18	1 377.44	501.58	409.94	409.94	590.62	35.14
Расходы на обслуживание долга ¥		3.63	2.61	1.2	1.02	5.99	8.52	8.52	3.87	26.70
Чист. проц. доходы, млрд ¥	31.93	30.86	29.62	30.67	33.11	36.47	41.13	36.47	34.20	6.79
Амортизация, млрд ¥		2.16	2.05	2.49	2.56	2.52	2.56	2.56	2.44	4.54
Себестоимость, млрд ¥							19.03	19.03	19.03	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ¥				237.37	437.15	71 007.85	536.02	540.92	674.92	557.28	718.01	784.77	904.86	727.97	6.04
Total Current Assets ¥				237.37	437.15	71 007.85	536.02	540.92	674.92	567.83	718.01	784.77	904.86	730.08	6.04
Чистые активы, млрд ¥	4 222.86	851.45	470.46	237.37	437.15	5 809.65	36.71							1398.27	-39.96
Активы, млрд ¥				4 687.9	4 931.5	801 034.22	5 247.64	5 273.95	5 380.24	5 431.04	5 558.93	5 636.23	5 872.51	5575.79	1.77
Short Term Debt ¥					91.54	25 219.74	98.56	67.22	47.66	38.6	22.57			54.92	-25.53
Long Term Debt ¥					229.37	53 588.31	304.81							18040.83	9.94
Задолженность, млрд ¥				4 449.25	4 695.85	54 787.76	396.78	306.07	368.26	5 127.68	5 270.98	5 357.53	5 582.86	4341.46	72.24
Чистый долг, млрд ¥				-106.04	-188.16	-16 220.08	-221.25	-234.85	-306.66	-147.34	-323.43	-394.83	-525.13	-339.4780	11.36
Долг, млрд ¥				131.33	248.99	54 787.76	403.37	306.07	368.26	409.94	394.57	389.94	379.72	388.49	0.61
Расходы на обслуживание долга ¥		0.301	0.506	1.13	2.04	364.05	2.65	2.59	1.73	1.55	1.53			2.01	-10.40
Чист. проц. доходы, млрд ¥	9.15	7.63	9.5	8.32	10.07	1 348.71	1 804.36	1 547.47	1 621.95	9.48				1266.39	-62.90
Амортизация, млрд ¥			0.001	-0.001	0.636	103.7	0.599	0.614	0.624	0.719	-5.85			-0.6588	-257.74
Себестоимость, млрд ¥										1.06	0.004			0.5320	-93.86

	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	250.29	302.22	246.22	590.83	647.62	483.58	594.13		594.13	512.48	19.26
Цена акции ао					3325	5440	6430	8000	8000	5798.75	24.54
Число акций ао, млн		20.42	18.78	18.15	17.98	17.32	16.89		16.89	17.82	-2.10
FCF/акцию	1603.76	-4997.79	-8735.09	32916.71	5916.79	-19720.6	-2052.15		-2052.15	1665.13	-25.15

	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS	137.57	136.82	10850.21	172.5	91.6	203.58	128.13	245.79	210.26	284.03			214.36	6.89
Цена акции ао											8040	8000	8020.00	-0.25
FCF/акцию		73.63	76.41	70.17	72.29	74.79							73.46	0.31

	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, %	2.53	2.62	2.01	4.48	4.56	3.33	3.66		3.66	8.25	3.61	12.73
ROA, %	0.155	0.1597	0.1181	0.2425	0.2311	0.1633	0.1906		0.1906	4.23	0.1891	10.05
ROIC, %			1.86	0.9063	0.8607	1.44			1.44	6.99	1.27	-6.20
ROS, %			7.51	16.47	15.8	11.82	11.26	11.26	11.26	9.07	13.32	-7.32
ROCE, %	2.8	3.12	2.47	1.86	1.04	0.6358	0.703	4.78	4.78	11.00	1.80	20.78
Ebit margin, %			10.04	23.86	21.79	16.21	16.29	16.29	16.29		18.89	-7.35
Рентаб EBITDA, %	23.97	24.01	17.53	29.45	25.27	19.76	19.15	19.15	19.15	17.45	22.56	-8.25
Чистая рентаб, %	10.13	10.23	7.51	16.47	15.8	11.82	11.26		11.26	9.07	12.57	8.44
Operation Margin, %			6.63	19.97	18.26	12.66	20.18	20.18	20.18	13.39	18.25	0.21

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %		0.9437	0.9616	0.4892	1.21	0.6292	1.34	0.8076	1.47	1.22	1.62		8.25	1.29	3.87
ROA, %		0.0504	0.0497	0.0238	0.0569	0.0296	0.0638	0.0396	0.0739	0.0616	0.0809		4.23	0.0640	4.86
ROS, %					15.95	6.91	11.67	9.89	18.45	16.62	18.61	11.26	9.07	14.97	2.63
ROCE, %	0.4595	0.5264	0.176	0.0636	0.2365	0.0855	0.229	0.1608	0.2023			4.78	11.00	1.09	123.61
Ebit margin, %					22.26	6.96	15.12	14.78	26.56			16.29		15.94	18.54
Рентаб EBITDA, %		22.15	30.62	10.14	25.5	9.69	17.26	18.1	0.0091		15.09	19.15	17.45	13.92	2.10
Чистая рентаб, %		13.07	13.75	6.97	15.95	6.91	11.67	9.89	18.45	16.62	18.61		9.07	15.05	9.78
Operation Margin, %					22.26	9.69	17.26	14.78	64.59	63.3	69	20.18	13.39	46.37	6.43

	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	15.8	11.81	9.38	5.29	4.41	6.53	11.28		11.28	130.52	7.38	3.76
P/BV	0.3881	0.3093	0.0113	0.0131	0.1992	0.0117	0.3731		0.3731	113.66	0.1217	101.26
P/S	1.6	1.21	0.7046	0.8712	0.6964	0.7727	1.27		1.27	113.72	0.8630	12.51
P/FCF						-0.161	-1.59	-1.59	-1.59	9.43	-1.1137	114.55
E/P						0.1524	0.1825	0.1825	0.1825	0.54	0.1725	6.19
EV/EBIT			-9.27	-13.06	-5.95	-4.22	-2.35	-2.35	-2.35		-5.5860	-29.04
EV/EBITDA	-12.21	-10.69	-5.31	-10.58	-5.13	-3.46	-2		-2	139.65	-5.2960	-17.74
EV/S			-0.9313	-3.12	-1.3	-0.6845	-0.3833	-0.3833	-0.3833	113.14	-1.1742	-34.25
EV/FCF			0.3494	-0.3395	-0.8984	0.142	0.9854	0.9854	0.9854	125.86	0.1750	-223.75
Debt/EBITDA	6.43	6.41	8.43	29.89	73.97	35.83	24.02	24.02	24.02	-3.70	37.55	-4.28
Netdebt/Ebitda			-16.41	-16.76	-7.89	-7.38	-8.63	-8.63	-8.63	22.55	-9.8580	-12.43
Debt/Ratio			0.0231	0.22	0.2668	0.0984	0.0755	0.0755	0.0755	0.16	0.1472	-19.26
Debt/Equity			0.4024	4.28	5.35	2.04	1.35	16.9	16.9	4.48	5.98	31.61
Debt/Net Income			19.67	100.75	118.31	59.88	40.85	40.85	40.85	21.02	72.13	-16.52
PEG								0.048	0.048		0.0480	0.00
Бета						2.27	-0.559	-2.14	-2.14	-70.22	-0.1430	-198.05
Индекс Альтмана						-0.1764	-0.1157	-0.1144	-0.1144	7.67	-0.1355	-13.44

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E		5.48	6.98	6.47	6.23	11.01	9.89	11.25	11.36	8.07	7.41			130.52	9.60	-5.61
P/BV		0.2207	0.2424	0.0114	0.0114	0.0177	0.0177	0.3685	0.4363	0.374	0.3639			113.66	0.3121	83.06
P/S		0.727	0.7984	0.7653	0.7809	1.18	1.03	1.23	1.33	1.13	1.19			113.72	1.18	2.93
P/FCF													-1.59	9.43	-1.5900	0.00
E/P													0.1825	0.54	0.1825	0.00
EV/EBIT					-40.38	-93.49	-49.55	-11.13	-33.81				-2.35		-38.0660	-52.13
EV/EBITDA	-7.67	-3.38	-8.61	-4.28	-11.9	-11.67	-15.23	-2.24	-17.78		-54.58			139.65	-20.3000	36.14
EV/S					-8.99	-6.51	-7.49	-1.64	-8.98	-14.01	-16.78		-0.3833	113.14	-8.3587	-25.23
EV/FCF					-138.58	-119.46	-174.73						0.9854	125.86	-107.9461	-129.04
Debt/EBITDA		32.25	46.79	201.1	85.64	140.21	73.29	104.76	197286		100.59		24.02	-3.70	39517.73	-20.00
Netdebt/Ebitda					-46.97	-107.58	-61.03	-37.65	-161717		-139.11		-8.63	22.55	-32392.6840	-32.38
Debt/Ratio					0.0769	0.058	0.0684	0.0755	0.071	0.0692	0.0647		0.0755	0.16	0.0712	0.00
Debt/Equity					1.56	1.17	1.39	1.35	1.37	1.4	1.31		16.9	4.48	4.47	65.77
Debt/Net Income					136.97	196.7	108.41	191.74	97.11	113.16	81.56		40.85	21.02	104.88	-26.60
PEG													0.048		0.0480	0.00
Бета												-6.26	-2.14	-70.22	-4.2000	-41.53
Индекс Альтмана												-0.1144	-0.1144	7.67	-0.1144	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	1.33	1.32	1.32	1.27	1.36	2.43	2.39			2.39		1.75	12.61
Дивиденд	70	70	70	70	28.77	140	140	210	110	220		125.75	30.76
Див доход, ао, %	1.61	1.91	2.08	2.56	1.67	6	3.85	4.62	4.12	4.37	4.22	4.05	19.79
Дивиденды / прибыль, %		22.8	21.31	28.48	11.81	11.66	29.01	23.85		23.85	39.77	20.96	-3.49
Dividend Coverage Ratio									4.19	4.19		4.19	0.00

	2022Q3	2023Q1	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	1.4	381.8			191.60	1551.41
Дивиденды / прибыль, %	58.05	203.69		39.77	130.87	87.32
Dividend Coverage Ratio			4.19		4.19	0.00

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1996	1996	0.00

	CAGR 5

	CAGR 5