SBI Shinsei Bank (DB:LCJ) - Stock Price, News & Analysis

LCJ Stock Overview

SBI Shinsei Bank, Limited provides various banking and financial products and services to individual customers, corporations, public-sector entities, and financial institutions in Japan.

About the company

LCJ fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

La relación precio/beneficios (9.2x) es inferior a la del mercado German (16.1x)

Los beneficios aumentaron en 2111.2% el año pasado

Risk Analysis

Se prevé que los beneficios disminuyan una media de 13% al año durante los próximos 3 años.

SBI Shinsei Bank, Limited Competitors

Commerzbank

XTRA:CBK

€15.8b

ProCredit Holding

XTRA:PCZ

€538.3m

Luzerner Kantonalbank

SWX:LUKN

CHF3.5b

TFS Financial

NasdaqGS:TFSL

US$3.4b

Price History & Performance

Summary of all time highs, changes and price drops for SBI Shinsei Bank
Historical stock prices
Current Share Price	JP¥17.40
52 Week High	JP¥18.60
52 Week Low	JP¥14.30
Beta	0.17
1 Month Change	0%
3 Month Change	-1.69%
1 Year Change	13.73%
3 Year Change	64.15%
5 Year Change	25.54%
Change since IPO	-73.23%

Recent updates

Shareholder Returns

	LCJ	DE Banks	DE Market
7D	0%	1.6%	-1.3%
1Y	13.7%	29.2%	4.2%

Rentabilidad frente al sector: LCJ igualó al sector German Banks , que obtuvo un rendimiento del 12.9% el año pasado.

Rentabilidad vs. Mercado: LCJ superó al mercado German, que obtuvo un rendimiento del 5.9% el año pasado.

Price Volatility

Is LCJ's price volatile compared to industry and market?
LCJ volatility
LCJ Average Weekly Movement	1.3%
Banks Industry Average Movement	3.2%
Market Average Movement	4.7%
10% most volatile stocks in DE Market	9.8%
10% least volatile stocks in DE Market	2.4%

Precio estable de las acciones: LCJ no ha tenido una volatilidad de precios significativa en los últimos 3 meses.

Volatilidad a lo largo del tiempo: La volatilidad semanal de LCJ (1%) se ha mantenido estable durante el año pasado.

About the Company

Founded	Employees	CEO	Website
1952	5,548	Katsuya Kawashima	https://www.sbishinseibank.co.jp

SBI Shinsei Bank, Limited Fundamentals Summary

How do SBI Shinsei Bank's earnings and revenue compare to its market cap?
LCJ fundamental statistics
Market cap	€3.61b
Earnings (TTM)	€394.09m
Revenue (TTM)	€2.37b

9.2x

P/E Ratio

0.6x

P/B Ratio

Is LCJ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
LCJ income statement (TTM)
Revenue	JP¥372.40b
Cost of Revenue	JP¥0
Gross Profit	JP¥372.40b
Other Expenses	JP¥310.49b
Earnings	JP¥61.91b

Last Reported Earnings

Jun 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	301.97
Gross Margin	100.00%
Net Profit Margin	16.63%
Debt/Equity Ratio	128.5%

How did LCJ perform over the long term?

See historical performance and comparison

Dividends

0.4%

Current Dividend Yield

4%

Payout Ratio

LCJ Stock Overview

Rewards

Risk Analysis

SBI Shinsei Bank, Limited Competitors

XTRA:CBK

€15.8b

XTRA:PCZ

€538.3m

SWX:LUKN

CHF3.5b

NasdaqGS:TFSL

US$3.4b

Price History & Performance

Recent News & Updates

SBI Shinsei Bank, Limited, Annual General Meeting, Jan 05, 2024

SBI Shinsei Bank, Limited(TSE:8303) dropped from FTSE All-World Index (USD)

SBI Shinsei Bank, Limited to Delist from Standard Section of Tokyo Stock Exchange

SBI Shinsei Bank, Limited to Report Q1, 2024 Results on Aug 04, 2023

SBI to Take Shinsei Bank Private

Full year 2023 earnings released: EPS: JP¥209 (vs JP¥96.78 in FY 2022)

Recent updates

SBI Shinsei Bank, Limited, Annual General Meeting, Jan 05, 2024

SBI Shinsei Bank, Limited(TSE:8303) dropped from FTSE All-World Index (USD)

SBI Shinsei Bank, Limited to Delist from Standard Section of Tokyo Stock Exchange

SBI Shinsei Bank, Limited to Report Q1, 2024 Results on Aug 04, 2023

SBI to Take Shinsei Bank Private

Full year 2023 earnings released: EPS: JP¥209 (vs JP¥96.78 in FY 2022)

SBI Shinsei Bank, Limited Declares Dividend for the Year Ended March 31, 2023, Payable on June 29, 2023

Now 23% undervalued

Third quarter 2023 earnings released: EPS: JP¥76.01 (vs JP¥68.30 in 3Q 2022)

Shinsei Bank, Limited to Report Q3, 2023 Results on Feb 07, 2023

SBI Financial Services Co., Ltd. entered a share transfer agreement to acquire Financial Japan Co., Ltd. from Shinsei Bank, Limited (TSE:8303).

High number of new and inexperienced directors

Shinsei Bank, Limited to Report First Half, 2023 Results on Nov 14, 2022

Morningstar Japan K.K. (TSE:4765) agreed to acquire Shinsei Investment Management Co., Ltd. from Shinsei Bank, Limited (TSE:8303) for ¥1.3 billion.

First quarter 2023 earnings released: JP¥29.28 loss per share (vs JP¥53.88 profit in 1Q 2022)

Shinsei Bank, Limited to Report Q1, 2023 Results on Jul 29, 2022

Now 21% undervalued after recent price drop

Full year 2022 earnings released: EPS: JP¥96.78 (vs JP¥202 in FY 2021)

Shinsei Bank, Limited Provides Consolidated and Non-Consolidated Financial Guidance for Fiscal Year 2022

High number of new and inexperienced directors

Shinsei Bank, Limited (TSE:8303) agreed to acquire 49% stake in Unit of Military Commercial Joint Stock Bank in Cambodia from Military Commercial Joint Stock Bank (HOSE:MBB).

Shinsei Bank, Limited to Report Fiscal Year 2022 Final Results on May 13, 2022

High number of new and inexperienced directors

High number of new and inexperienced directors

Third quarter 2022 earnings: EPS in line with expectations, revenues disappoint

Investor sentiment deteriorated over the past week

Deposit Insurance Corp to Oppose Shinsei's Poison Pill Against SBI

Second quarter 2022 earnings released: EPS JP¥54.39 (vs JP¥32.79 in 2Q 2021)

Investor sentiment improved over the past week

Managing Executive Officer Hiroyuki Torigoe has left the company

First quarter 2022 earnings released: EPS JP¥53.88 (vs JP¥25.64 in 1Q 2021)

Executive Director Yoshiaki Kozano has left the company

Independent Outside Director Yuko Kawamoto has left the company

Full year 2021 earnings released: EPS JP¥202 (vs JP¥191 in FY 2020)

Shinsei Bank, Limited (TSE:8303) announces an Equity Buyback for 20,000,000 shares, representing 9.29% for ¥20,000 million.

Shinsei Bank, Limited Revises Consolidated and Non-Consolidated Earnings Guidance for the Year Ended March 31, 2021

Senior Managing Executive Officer & Head of Institutional Business Unit has left the company

Head of Diversity Promotion Dept., GM of Group HR, Senior Officer - HR & Executive Officer has left the company

Upcoming dividend of JP¥10.00 per share

Shinsei Bank, Limited (TSE:8303) agreed to acquire a 10% stake in Latitude Financial Group Limited from KKR & Co. Inc. (NYSE:KKR), Värde Partners, Inc. and Deutsche Bank Aktiengesellschaft (XTRA:DBK) for AUD 300 million.

New 90-day high: €11.60

Third quarter 2021 earnings released: EPS JP¥58.49 (vs JP¥71.41 in 3Q 2020)

Monex, Inc., Shinsei Bank, Limited and Shinsei Securities Co., Ltd. Concles an LOI for a Comprehensive Business Partnership in the Financial Instruments Intermediary Business

Shinsei Bank, Limited(TSE:8303) dropped from S&P TOPIX

Shinsei Bank, Limited to Report Q3, 2021 Results on Jan 29, 2021

New 90-day low: €9.65

Second quarter 2021 earnings released: EPS JP¥29.18

Shinsei Bank, Limited to Report First Half, 2021 Results on Nov 12, 2020

Shinsei Bank, Limited(TSE:8303) dropped from S&P Japan Mid Cap 100

New 90-day high - €11.60

Shinsei Bank, Limited (TSE:8303) completed the acquisition of UDC Finance Limited from ANZ Bank New Zealand Limited for approximately NZD 660 million.

Shinsei Bank, Limited (TSE:8303) completed the acquisition of Financial Japan Co., Ltd from existing shareholders

New 90-day low - €10.10

Shareholder Returns

Price Volatility

About the Company

SBI Shinsei Bank, Limited Fundamentals Summary

9.2x

0.6x