OTCPK:KYUN.F

Stock Analysis Report

Kyushu Financial Group

Executive Summary

Kyushu Financial Group, Inc. provides various financial services to customers in Japan.

Snowflake

Fundamentals

Excellent balance sheet and fair value.

Risks

  • Kyushu Financial Group is covered by less than 3 analysts.

Share Price & News

How has Kyushu Financial Group's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:KYUN.F

2.4%

US Banks

2.9%

US Market


1 Year Return

-13.8%

OTCPK:KYUN.F

-14.8%

US Banks

0.2%

US Market

KYUN.F underperformed the Banks industry which returned -7.8% over the past year.

KYUN.F underperformed the Market in United States of America which returned 4% over the past year.


Share holder returns

KYUN.FIndustryMarket
7 Day0%2.4%2.9%
30 Day0%-6.3%-2.3%
90 Day-0.2%-2.1%3.1%
1 Year-13.8%-13.8%-12.4%-14.8%2.4%0.2%
3 Year-26.1%-26.1%41.7%32.0%41.7%32.4%
5 Yearn/a52.2%35.7%55.1%37.9%

Price Volatility Vs. Market

How volatile is Kyushu Financial Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Kyushu Financial Group undervalued based on future cash flows and its price relative to the stock market?

11.34x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Kyushu Financial Group's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Kyushu Financial Group's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Kyushu Financial Group is good value based on earnings compared to the US Banks industry average.

Kyushu Financial Group is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Kyushu Financial Group is poor value based on expected growth next year.


Price Based on Value of Assets

Kyushu Financial Group is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Kyushu Financial Group expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

2.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Kyushu Financial Group's revenue is expected to grow by 2.9% yearly, however this is not considered high growth (20% yearly).

Kyushu Financial Group's earnings are expected to grow by 2.3% yearly, however this is not considered high growth (20% yearly).

Kyushu Financial Group's revenue growth is positive but not above the United States of America market average.

Kyushu Financial Group's earnings growth is positive but not above the United States of America market average.

Kyushu Financial Group's earnings growth is positive but not above the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Kyushu Financial Group is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has Kyushu Financial Group performed over the past 5 years?

-19.4%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Kyushu Financial Group's year on year earnings growth rate was positive over the past 5 years.

Kyushu Financial Group's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Kyushu Financial Group's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.


Return on Equity

Kyushu Financial Group has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Kyushu Financial Group used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Kyushu Financial Group improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Kyushu Financial Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Kyushu Financial Group has an acceptable proportion of non-loan assets held.

Kyushu Financial Group has a low allowance for bad loans.

Kyushu Financial Group's liabilities are made up of primarily low risk sources of funding.

Kyushu Financial Group's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Kyushu Financial Group are broadly funded by customer deposits.

Kyushu Financial Group has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Kyushu Financial Group's current dividend yield, its reliability and sustainability?

2.82%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Kyushu Financial Group's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.42%).

Kyushu Financial Group's dividend is below the markets top 25% of dividend payers in United States of America (3.65%).

Whilst dividend payments have been stable, Kyushu Financial Group has been paying a dividend for less than 10 years.

Dividend payments have increased, but Kyushu Financial Group only paid a dividend in the past 3 years.


Current Payout to Shareholders

Dividends paid are well covered by earnings (3.1x coverage).


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Kyushu Financial Group's salary, the management and board of directors tenure and is there insider trading?

2.4yrs

Average management tenure


CEO

Kyushu Financial Group has no CEO, or we have no data on them.


Management Age and Tenure

2.4yrs

Average Tenure

60yo

Average Age

The tenure for the Kyushu Financial Group management team is about average.


Board Age and Tenure

3.3yrs

Average Tenure

61.5yo

Average Age

The tenure for the Kyushu Financial Group board of directors is about average.


Insider Trading

No 3 month insider trading information.


Ownership Breakdown


Management Team

  • Motohiro Kamimura (66yo)

    President & Director

    • Tenure: 0.0yrs
  • Tsuyoshi Mogami (62yo)

    Senior Managing Executive Officer & Director

    • Tenure: 3.6yrs
  • Tsutomu Tajima (56yo)

    Executive Officer

    • Tenure: 2.1yrs
  • Tooru Hayashida (59yo)

    Executive Officer

    • Tenure: 0.0yrs
  • Tsukasa Tsuruta (59yo)

    Executive Officer

    • Tenure: 0.0yrs
  • Eichi Eto

    Executive Officer and GM of Compliance & Risk Management Division

    • Tenure: 2.7yrs
  • Norihisa Akatsuka

    Executive Officer and GM of Business & IT Management Division

    • Tenure: 2.7yrs
  • Seiji Yamamoto

    Executive Officer and Chief of Human Resources & General Affairs Office

    • Tenure: 1.3yrs
  • Tsutomu Nakamura (61yo)

    Senior Managing Executive Officer & Director

    • Tenure: 0.9yrs
  • Takeshi Jinnouchi

    Executive Officer & GM of Audit Division

    • Tenure: 0.3yrs

Board Members

  • Katsuaki Watanabe (76yo)

    Outside Director

    • Tenure: 0.0yrs
  • Takahiro Kai (67yo)

    Chairman of the Board

    • Tenure: 3.6yrs
  • Motohiro Kamimura (66yo)

    President & Director

    • Tenure: 0.0yrs
  • Tsuyoshi Mogami (62yo)

    Senior Managing Executive Officer & Director

    • Tenure: 3.6yrs
  • Akihisa Koriyama (61yo)

    Director

    • Tenure: 3.6yrs
  • Yoshihisa Kasahara (56yo)

    Director

    • Tenure: 2.9yrs
  • Tooru Hayashida (59yo)

    Executive Officer

    • Tenure: 0.0yrs
  • Tsukasa Tsuruta (59yo)

    Executive Officer

    • Tenure: 0.0yrs
  • Tsutomu Nakamura (61yo)

    Senior Managing Executive Officer & Director

    • Tenure: 0.9yrs
  • Yuji Nemoto (64yo)

    Director

    • Tenure: 0.9yrs

Company Information

Kyushu Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Kyushu Financial Group, Inc.
  • Ticker: KYUN.F
  • Exchange: OTCPK
  • Founded: 2015
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: JP¥192.345b
  • Listing Market Cap: JP¥1.755b
  • Shares outstanding: 451.51m
  • Website: https://www.kyushu-fg.co.jp

Number of Employees


Location

  • Kyushu Financial Group, Inc.
  • 1, Renpeicho
  • Chuo-ku
  • Kumamoto
  • Kumamoto
  • 860-0017
  • Japan

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
7180TSE (The Tokyo Stock Exchange)YesCommon SharesJPJPYOct 2015
KYUN.FOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDOct 2015

Biography

Kyushu Financial Group, Inc. provides various financial services to customers in Japan. The company was founded in 2015 and is headquartered in Kumamoto, Japan. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/05/14 01:01
End of Day Share Price2019/02/14 00:00
Earnings2018/12/31
Annual Earnings2018/03/31


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.