The Bank of Saga Ltd.

TSE:8395 Stock Report

Market Cap: JP¥37.7b

Bank of Saga Past Earnings Performance

Past criteria checks 5/6

Bank of Saga has been growing earnings at an average annual rate of 21.5%, while the Banks industry saw earnings growing at 7.3% annually. Revenues have been growing at an average rate of 5.1% per year. Bank of Saga's return on equity is 5.6%, and it has net margins of 13.4%.

Key information

21.5%

Earnings growth rate

21.4%

EPS growth rate

Banks Industry Growth4.1%
Revenue growth rate5.1%
Return on equity5.6%
Net Margin13.4%
Next Earnings Update07 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank of Saga makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

TSE:8395 Revenue, expenses and earnings (JPY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2450,7006,78720,1680
30 Jun 2449,4746,96620,2020
31 Mar 2447,8716,21820,3940
31 Dec 2344,5353,97820,4230
30 Sep 2345,2384,52320,1360
30 Jun 2344,1994,41820,1180
31 Mar 2343,3215,49119,9030
31 Dec 2243,3166,50919,9480
30 Sep 2243,0406,72420,2620
30 Jun 2240,6524,78520,3510
31 Mar 2240,0274,07620,4600
31 Dec 2139,7963,81721,0800
30 Sep 2139,0493,20021,4340
30 Jun 2139,4783,22821,8380
31 Mar 2138,6292,46522,2660
31 Dec 2038,7722,45622,2370
30 Sep 2039,3712,69422,4390
30 Jun 2039,7012,86722,6780
31 Mar 2039,3652,44122,7040
31 Dec 1939,6012,66523,0260
30 Sep 1938,6222,10323,0680
30 Jun 1941,9222,43423,2090
31 Mar 1942,3512,63623,3230
31 Dec 1843,0023,70423,4570
30 Sep 1844,6546,11623,4810
30 Jun 1839,7346,18823,3780
31 Mar 1839,1986,65023,4040
31 Dec 1737,1304,81723,3600
30 Sep 1736,7203,17323,5170
30 Jun 1741,1053,91724,0210
31 Mar 1743,3002,89824,1670
31 Dec 1648,4533,43024,2850
30 Sep 1647,3931,97024,2520
30 Jun 1644,76262024,1590
31 Mar 1646,6993,24224,0290
31 Dec 1543,4941,97324,1350
30 Sep 1543,5363,30724,3910
30 Jun 1543,7374,22424,5400
31 Mar 1540,6023,31624,8310
31 Dec 1439,8105,07724,5800
30 Sep 1438,8904,74824,3580
30 Jun 1439,0124,51024,3490
31 Mar 1440,4924,98324,1870

Quality Earnings: 8395 has high quality earnings.

Growing Profit Margin: 8395's current net profit margins (13.4%) are higher than last year (10%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 8395's earnings have grown significantly by 21.5% per year over the past 5 years.

Accelerating Growth: 8395's earnings growth over the past year (50.1%) exceeds its 5-year average (21.5% per year).

Earnings vs Industry: 8395 earnings growth over the past year (50.1%) exceeded the Banks industry 22.6%.

Return on Equity

High ROE: 8395's Return on Equity (5.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/20 14:51
End of Day Share Price 2025/01/20 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

The Bank of Saga Ltd. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ganesh D.N.Virtua Research Inc.