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Concordia Financial Group DB:YC3 Stock Report

Last Price

€5.20

Market Cap

€6.1b

7D

1.0%

1Y

28.1%

Updated

02 Jan, 2025

Data

Company Financials +

Concordia Financial Group, Ltd.

DB:YC3 Stock Report

Market Cap: €6.1b

YC3 Stock Overview

Provides various banking products and services to small and medium-sized businesses and individuals. More details

YC3 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance5/6
Financial Health5/6
Dividends2/6

Rewards

Trading at 34.7% below our estimate of its fair value

Earnings are forecast to grow 10.39% per year

Earnings grew by 13.6% over the past year

Risk Analysis

No risks detected for YC3 from our risk checks.

My Notes

Capture your thoughts, links and company narrative

Concordia Financial Group, Ltd. Competitors

Commerzbank

XTRA:CBK

€18.4b

Cadence Bank

NYSE:CADE

US$6.3b

UMB Financial

NasdaqGS:UMBF

US$5.5b

Chiba Bank

TSE:8331

JP¥871.3b

Price History & Performance

Summary of share price highs, lows and changes for Concordia Financial Group
Historical stock prices
Current Share PriceJP¥5.20
52 Week HighJP¥5.85
52 Week LowJP¥3.98
Beta0.27
1 Month Change-10.34%
3 Month Change10.64%
1 Year Change28.08%
3 Year Change58.54%
5 Year Change43.65%
Change since IPO29.71%

Recent News & Updates

Recent updates

Shareholder Returns

YC3DE BanksDE Market
7D1.0%1.3%0.7%
1Y28.1%18.9%8.4%

Return vs Industry: YC3 exceeded the German Banks industry which returned 19.7% over the past year.

Return vs Market: YC3 exceeded the German Market which returned 8.4% over the past year.

Price Volatility

Is YC3's price volatile compared to industry and market?
YC3 volatility
YC3 Average Weekly Movement4.8%
Banks Industry Average Movement3.2%
Market Average Movement4.9%
10% most volatile stocks in DE Market12.0%
10% least volatile stocks in DE Market2.4%

Stable Share Price: YC3 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: YC3's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
20165,815Tatsuya Kataokawww.concordia-fg.jp

Concordia Financial Group, Ltd. provides various banking products and services to small and medium-sized businesses and individuals. The company offers various deposit and loan products; and securities, leasing, survey research and other information, venture capital, and other financial services. It operates through a network of branches, sub-branches, ATMs, and representative offices in Japan and internationally.

Concordia Financial Group, Ltd. Fundamentals Summary

How do Concordia Financial Group's earnings and revenue compare to its market cap?
YC3 fundamental statistics
Market cap€6.15b
Earnings (TTM)€453.72m
Revenue (TTM)€1.86b

13.5x

P/E Ratio

0.8x

P/B Ratio

Is YC3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
YC3 income statement (TTM)
RevenueJP¥300.61b
Cost of RevenueJP¥0
Gross ProfitJP¥300.61b
Other ExpensesJP¥227.21b
EarningsJP¥73.40b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 05, 2025

Earnings per share (EPS)64.30
Gross Margin100.00%
Net Profit Margin24.42%
Debt/Equity Ratio186.1%

How did YC3 perform over the long term?

See historical performance and comparison

Dividends

3.1%

Current Dividend Yield

19%

Payout Ratio

Does YC3 pay a reliable dividends?

See YC3 dividend history and benchmarks
When do you need to buy YC3 by to receive an upcoming dividend?
Concordia Financial Group dividend dates
Ex Dividend DateMar 28 2025
Dividend Pay DateMay 29 2025
Days until Ex dividend84 days
Days until Dividend pay date146 days

Does YC3 pay a reliable dividends?

See YC3 dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/02 06:59
End of Day Share Price 2025/01/02 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Concordia Financial Group, Ltd. is covered by 14 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Toyoki SameshimaBNP Paribas Securities (Asia)
Shinichiro NakamuraBofA Global Research
Koichi NiwaCitigroup Inc