TSE: 8544 - The Keiyo Bank, Ltd.

Yield per half year: +34.33%
Dividend yield: +4.33%

Reporting The Keiyo Bank, Ltd.

Capitalization

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ¥								65.96
Выручка, млрд ¥	60.47	62.65	62.85	57.82	60.61	58.17	64.75	64.75	60.84	0.60
Чистая прибыль, млрд ¥	12.12	10.55	5.56	7.38	11.19	10.39	10.88	10.88	9.08	14.37
EV, млрд ¥	-134.3	-190.46	-187.52	-237.51	-738.05	-667.63	-950.63	-950.63	-556.2680	38.35
EBIT, млрд ¥	18.2	16.05	8.66	11.38	-3.73	-3.81	15.68	15.68	5.64	12.61
EBITDA, млрд ¥	22.66	20.37	12.61	15.1	-0.08	-0.258	18.91	18.91	9.26	8.44
Баланс стоимость, млрд ¥	290.01	290.61	277.85	293.1	290.77	290.54	322.75	322.75	295.00	3.04
FCF, млрд ¥	-22.17	-57.94	21.02	361.81	1 325.11	-517.96	-186.3	-186.3	200.74	-254.71
Операционный денежный поток, млрд ¥	-17.88	-54.6	23.67	366.4	1 331.09	-510.17	-181.72	-181.72	205.85	-250.33
Операционная прибыль, млрд ¥	17.65	16.05	8.66	11.38	16.05	15.13	17.69	17.69	13.78	15.36
Операционные расходы, млрд ¥	41.76	41.92	41.48	41.67	41.84	45.14	64.75	64.75	46.98	9.32
CAPEX, млрд ¥	4.29	3.34	2.66	4.59	5.98	7.8	2.08	2.08	4.62	-4.80

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ¥	14.94	16.78	14.88	14.74	1 849.61	18.07	15.21	17.36	15.34	21.2	17.44	3.25
Чистая прибыль, млрд ¥	0.577	3.33	3.26	2.18	255.32	3.07	2.94	3.02	1.84	5.42	3.26	12.04
EV, млрд ¥	-737.44	-882.18	-906.51	-872.83	-104 919.04	-847.21	-728	-782.18	-214.02	-313.81	-577.0440	-18.01
EBIT, млрд ¥	1.26	4.91	4.69	3.36	207.71	4.45	4.25	4.41	2.56	7.75	4.68	11.73
EBITDA, млрд ¥	1.15	4.95	4.74	3.41	353.52	5.25	5.05	5.21	3.4	-0.035	3.77	-136.71
Баланс стоимость, млрд ¥	290.77	284	282.88	278.72	45 649.37	300.91	295.3	303.95	322.75	314.61	307.50	0.89
FCF, млрд ¥				285.81	291.61	1.6	1.6	1.59			116.44	-64.60
Операционный денежный поток, млрд ¥			-644.56	285.81	291.61	1.6	1.6	1.59			116.44	-64.60
Операционная прибыль, млрд ¥	1.15	4.95	4.74	3.41	353.52	4.45	4.21	4.37	2.57	12.19	5.56	22.33
Операционные расходы, млрд ¥	10.99	11.9	10.23	11.44	1 818.5	13.6	10.96	12.94	11.5	9.01	11.60	-7.90
CAPEX, млрд ¥			2.02		1 225.38						613.70	2362.97

	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 ¥	291.33	275.94	250.13	514.41	1 722.13	1 234.27	1 047.04	1 047.04	953.60	33.16
Short Term Investments ¥							1 159.91	1 159.91	1159.91	0.00
Total Current Assets ¥		275.94	250.13	514.41	1 722.13	1 234.27	1 047.04	1 047.04	953.60	33.16
Чистые активы, млрд ¥	3 787.01	275.94	250.13	514.41	58.12	56.99		56.99	231.12	-27.05
Активы, млрд ¥	4 789.5	4 895.37	4 994.72	5 553.03	6 903.22	6 575.88	6 547.25	6 547.25	6114.82	5.56
Short Term Debt ¥				216.6	1 345.12	722.6	486.46	486.46	692.69	22.42
Long Term Debt ¥				216.6	921.1	235.9		235.9	457.87	2.89
Задолженность, млрд ¥	4 495.64	4 600.52	4 712.42	216.6	6 607.24	6 279.81	6 218.31	6 218.31	4806.88	5.70
Чистый долг, млрд ¥	-259.93	-275.94	-250.13	-297.81	-801.03	-738.37	-1 047.04	-1 047.04	-626.8760	33.16
Долг, млрд ¥	31.4		216.6	216.6	2 266.22	958.5	737.66	737.66	879.12	27.77
Расходы на обслуживание долга ¥		0.811	0.778	0.753	0.629	0.637	0.62	0.62	0.6834	-4.44
Чист. проц. доходы, млрд ¥	49.71	48.74	47.93	47.81	48.97	46.62	47.6	46.62	47.79	-0.14
Амортизация, млрд ¥		4.32	3.95	3.72	3.65	3.56	3.23	3.23	3.62	-3.94
Себестоимость, млрд ¥							5.33	5.33	5.33	0.00

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ¥		1 722.13	2 035.81	1 138.5	1 122.27	193 927.7	1 405.95	1 197.09	1 353.83	1 047.04	1 182.24	1237.23	-3.41
Short Term Investments ¥										2 097.09		2097.09	0.00
Total Current Assets ¥		1 722.13	2 035.81	1 138.5	1 122.27	193 927.7	1 405.95	1 197.09	1 353.83	1 057.07	1 182.24	1239.24	-3.41
Чистые активы, млрд ¥	5 656.29	1 722.13	2 035.81	1 138.5	1 122.27	8 954.56	56.54					2661.54	-51.17
Активы, млрд ¥		6 903.22	7 245.32	6 310.14	6 362.51	1 033 199.96	6 736.24	6 612.75	6 807.96	6 547.25	6 697.81	6680.40	-0.11
Short Term Debt ¥					509.07	113 533.84	685.66	565.12	701.65	486.46	489.33	585.64	-6.52
Long Term Debt ¥					176	37 064.51	258.2					12499.57	13.63
Задолженность, млрд ¥		6 607.24	6 956.08	6 022.02	6 078.43	77 915.61	6 429.59	378.2	488.2	6 218.3	6 376.98	3978.25	-0.16
Чистый долг, млрд ¥		-801.03	-942.41	-967.5	-946.27	-116 012.09	-912.75	-818.89	-865.63	-309.37	-419.7	-665.2680	-14.39
Долг, млрд ¥		921.1	1 093.4	171	176	77 915.61	943.86	378.2	488.2	737.66	762.53	662.09	-4.18
Расходы на обслуживание долга ¥		0.151	0.153	0.156	0.17	24.82	0.149	0.139	0.161	0.171	0.122	0.1484	-3.92
Чист. проц. доходы, млрд ¥	12.98	11.69	12.48	11.49	12	1 674.42	1 988.66	1 809.86	1 964.78	10.92		1489.73	-63.45
Амортизация, млрд ¥			0.045	0.055	0.046	145.81	0.799	0.8	0.795	0.836	-7.79	-0.9120	-257.69
Себестоимость, млрд ¥										0.745	3.73	2.24	123.76

	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	91.62	79.71	42.39	56.32	86.83	81.81	87.11		87.11	70.89	15.49
Цена акции ао					587	681	788	908	908	741.00	11.52
Число акций ао, млн		132.32	131.26	131.09	128.81	127	124.88		124.88	128.61	-0.99
FCF/акцию	-167.62	-437.9	160.11	2760	10287.38	-4078.36	-1491.88		-1491.88	1527.45	-256.27

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	5 quarters average	CAGR 5
EPS	4.44	26.24	25.62	17.12	2014.27	24.48	23.05	24.15	14.93	43.88		26.10	12.38
Цена акции ао											908	908.00	0.00
FCF/акцию				14.33	14.64	12.73	12.53	12.73				13.39	-2.34

	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, %	4.25	3.63	1.96	2.59	3.83	3.57	3.55		3.55	8.26	3.10	12.61
ROA, %	0.2581	0.2178	0.1125	0.14	0.1796	0.1542	0.1658		0.1658	4.26	0.1504	8.07
ROIC, %			1.6	1.37	0.5452	1.06			1.06	7.02	1.14	-9.78
ROS, %			8.85	12.77	18.45	17.86	16.8	16.8	16.8	9.08	16.54	5.64
ROCE, %	5.19	5.05	2.82	2.12	-0.0541	-0.058	0.5647	4.77	0.5647	10.57	1.47	17.61
Ebit margin, %			-6.93	-8.55	-6.16	-6.56	24.21	24.21	24.21		5.43	-223.14
Рентаб EBITDA, %	37.48	32.52	20.06	26.12	-0.132	-0.4435	29.2	29.2	29.2	17.12	16.79	2.25
Чистая рентаб, %	20.04	16.84	8.85	12.77	18.45	17.86	16.8		16.8	9.08	14.95	13.68
Operation Margin, %			13.19	20.5	26.48	26	27.31	27.31	27.31	13.40	25.52	5.90

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	0.1941	1.13	1.12	0.7587	0.5721	1.07	1.02	1.02	0.6112	1.76	8.26	1.10	10.47
ROA, %	0.0084	0.0471	0.048	0.0343	0.0251	0.0462	0.0441	0.045	0.0276	0.0818	4.26	0.0489	12.10
ROS, %						17.01	19.35	17.38	12.02	25.55	9.08	18.26	8.48
ROCE, %	0.0914	0.2965	0.3143	0.1258	0.0376	0.1314	0.1244	0.1285	0.0746	0.2263	10.57	0.1370	11.49
Ebit margin, %						24.65	27.91	25.42	16.71	36.57		26.25	8.21
Рентаб EBITDA, %	7.69	29.5	31.88	23.1	19.11	29.07	33.17	30	22.16	-0.1651	17.12	22.85	-135.55
Чистая рентаб, %	3.86	19.87	21.88	14.76	13.8	17.01	19.35	17.38	12.02	25.55	9.08	18.26	8.48
Operation Margin, %						24.64	27.65	25.18	16.72	57.52	13.40	30.34	18.48

	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	10.37	8.1	11.25	8.17	5.63	6.81	8.86		8.86	131.14	8.14	-4.66
P/BV	0.4275	0.2899	0.2218	0.0113	0.2128	0.2389	0.2931		0.2931	113.69	0.1956	5.73
P/S	2.08	1.36	0.9962	1.04	1.04	1.22	1.49		1.49	113.74	1.16	8.38
P/FCF						-0.1273	-0.354	-0.354	-0.354	8.14	-0.2784	40.62
E/P						0.1575	0.1649	0.1649	0.1649	0.57	0.1624	1.54
EV/EBIT			43.05	48.03	197.76	175.05	-60.64	-60.64	-60.64		59.91	-204.77
EV/EBITDA	-5.93	-9.35	-14.88	-15.73	9225.57	2587.7	-50.28		-50.28	159.64	2346.48	27.57
EV/S			-2.98	-4.11	-12.18	-11.48	-14.68	-14.68	-14.68	113.14	-11.4260	29.00
EV/FCF			-8.92	-0.6565	-0.557	1.29	5.1	5.1	5.1	122.22	2.06	-250.68
Debt/EBITDA	1.39		-530.88	14.34	-28327.74	-3715.1	39.02	39.02	39.02	-23.98	-6390.0920	22.17
Netdebt/Ebitda			613.07	243.31	10012.91	2861.89	-55.38	-55.38	-55.38	44.86	2601.47	-174.38
Debt/Ratio			0.0434	0.078	0.3283	0.1458	0.1127	0.1127	0.1127	0.16	0.1555	7.64
Debt/Equity			0.7795	1.48	7.79	3.3	2.29	12.94	2.29	40.25	5.56	54.29
Debt/Net Income			38.93	58.68	202.61	92.25	67.81	67.81	67.81	21.59	97.83	2.93
Бета						2.17	0.3228	-2.09	-2.09	-18.41	0.1343	-198.76
Индекс Альтмана						-0.013	-0.0086	-0.0086	-0.0086	6.86	-0.0101	-12.87

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	5.69	5.61	5.43	7.87	6.81	6.52	9.19	7.9	8.91	8.09		131.14	8.12	4.41
P/BV	0.2148	0.2082	0.2117	0.2585	0.0116	0.2137	0.0146	0.0132	0.2899	0.3301		113.69	0.1723	9.09
P/S	1.05	0.9795	0.9835	1.2	1.22	1.11	1.51	1.35	1.47	1.55		113.74	1.40	6.91
EV/EBIT						-190.25	-171.46	-177.2	-83.47	-40.48			-132.5720	-26.62
EV/EBITDA	-44.43	-54.18	-53.76	-61.26	-66.76	-46.59	-41.07	-41.73	-11.32	-23.04		159.64	-32.7500	-13.14
EV/S						-46.89	-47.86	-45.05	-13.95	-14.8		113.14	-33.7100	-20.60
EV/FCF						-530.17	-455	-491.94				122.22	-492.3700	-2.46
Debt/EBITDA	801.65	220.89	36.05	51.69	220.4	179.71	74.95	93.72	216.96	-21786.69		-23.98	-4244.2700	-361.05
Netdebt/Ebitda						-173.79	-162.29	-166.18	-90.99	11991.49		44.86	2279.65	-333.22
Debt/Ratio						0.1401	0.0572	0.0717	0.1127	0.1138		0.16	0.0991	-4.07
Debt/Equity						3.14	1.28	1.61	2.29	2.42		40.25	2.15	-5.08
Debt/Net Income						307.05	128.51	161.82	400.03	140.79		21.59	227.64	-14.44
Бета											-2.09	-18.41	-2.0900	0.00
Индекс Альтмана											-0.0086	6.86	-0.0086	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		2.9	2.9	2.89	2.35	2.6	2.76	2.85		2.85		2.69	-0.28
Дивиденд	22	22	16.5	22	18	7.19	21	12	26.5	26.5		16.94	8.04
Див доход, ао, %	2.2	2.13	2.06	3.5	3.92	2.29	6.57	1.81	5.4	4.33	3.91	4.00	6.62
Дивиденды / прибыль, %			23.93	27.51	51.89	31.83	23.25	26.53	26.18	26.18	40.90	31.94	-12.79

	2022Q3	2023Q1	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд	1.35	433.02		217.19	1690.96
Дивиденды / прибыль, %	41.35	169.6	40.90	105.47	102.52

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	1848	1881	0.89

	CAGR 5

	CAGR 5