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Seven Bank

OTCPK:SVNB.Y
Snowflake Description

Excellent balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
SVNB.Y
OTCPK
¥393B
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Seven Bank, Ltd. provides various banking products and services in Japan and internationally. The last earnings update was 3 days ago. More info.


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SVNB.Y Share Price and Events
7 Day Returns
0%
OTCPK:SVNB.Y
-1.3%
US Banks
1.5%
US Market
1 Year Returns
-
OTCPK:SVNB.Y
-14%
US Banks
-2.7%
US Market
SVNB.Y Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Seven Bank (SVNB.Y) 0% 0% 0% - - -19.6%
US Banks -1.3% 9% -3.5% -14% 54% 46.1%
US Market 1.5% 8.7% -0.8% -2.7% 44.9% 42.2%
1 Year Return vs Industry and Market
  • No trading data on SVNB.Y.
  • No trading data on SVNB.Y.
Price Volatility
SVNB.Y
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for Seven Bank's competitors could be found in our database.

SVNB.Y Value

 Is Seven Bank undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Seven Bank to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Seven Bank.

OTCPK:SVNB.Y Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 4 analysts.
= Stable Book Value * Return on Equity
= ¥192.99 * 10.7%
¥20.70
Book Value of Equity per Share Weighted future Book Value estimates from 3 analysts. ¥192.99
Discount Rate (Cost of Equity) See below 11.3%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for OTCPK:SVNB.Y
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 7.3%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.61
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.608 (1 + (1- 30.86%) (29.24%))
1.183
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.18
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.183 * 7.27%)
11.33%

Discounted Cash Flow Calculation for OTCPK:SVNB.Y using Excess Returns Model Model

The calculations below outline how an intrinsic value for Seven Bank is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

OTCPK:SVNB.Y Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (10.7% – 11.33%) * ¥192.99)
¥-1.16
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= ¥-1.16 / (11.33% - 2.73%)
¥-13.51
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= ¥192.99 + ¥-13.51
¥179.48
OTCPK:SVNB.Y Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in OTCPK:SVNB.Y represents 0.09476x of TSE:8410
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.09476x
Value per Share
(Listing Adjusted, USD)
= Value per Share (JPY) x Listing Adjustment Factor
= ¥ 179.48 x 0.09476
$17.01
Value per share (USD) From above. $17.01
Current discount Discount to share price of $31.27
= -1 x ($31.27 - $17.01) / $17.01
-83.9%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Seven Bank is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Seven Bank's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Seven Bank's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:SVNB.Y PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in JPY ¥10.29
TSE:8410 Share Price ** TSE (2018-11-06) in JPY ¥330
United States of America Banks Industry PE Ratio Median Figure of 577 Publicly-Listed Banks Companies 13.23x
United States of America Market PE Ratio Median Figure of 3,036 Publicly-Listed Companies 16.68x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Seven Bank.

OTCPK:SVNB.Y PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= TSE:8410 Share Price ÷ EPS (both in JPY)

= 330 ÷ 10.29

32.08x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Seven Bank is overvalued based on earnings compared to the US Banks industry average.
  • Seven Bank is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does Seven Bank's expected growth come at a high price?
Raw Data
OTCPK:SVNB.Y PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 32.08x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts
24.2%per year
United States of America Banks Industry PEG Ratio Median Figure of 256 Publicly-Listed Banks Companies 1.18x
United States of America Market PEG Ratio Median Figure of 2,115 Publicly-Listed Companies 1.3x

*Line of best fit is calculated by linear regression .

OTCPK:SVNB.Y PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 32.08x ÷ 24.2%

1.33x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Seven Bank is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on Seven Bank's assets?
Raw Data
OTCPK:SVNB.Y PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in JPY ¥173.92
TSE:8410 Share Price * TSE (2018-11-06) in JPY ¥330
United States of America Banks Industry PB Ratio Median Figure of 583 Publicly-Listed Banks Companies 1.22x
United States of America Market PB Ratio Median Figure of 5,107 Publicly-Listed Companies 1.79x
OTCPK:SVNB.Y PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= TSE:8410 Share Price ÷ Book Value per Share (both in JPY)

= 330 ÷ 173.92

1.9x

* Primary Listing of Seven Bank.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Seven Bank is overvalued based on assets compared to the US Banks industry average.
X
Value checks
We assess Seven Bank's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Seven Bank has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

SVNB.Y Future Performance

 How is Seven Bank expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
24.2%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Seven Bank expected to grow at an attractive rate?
  • Seven Bank's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Seven Bank's earnings growth is expected to exceed the United States of America market average.
  • Seven Bank's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
OTCPK:SVNB.Y Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:SVNB.Y Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 4 Analysts 24.2%
OTCPK:SVNB.Y Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 4 Analysts 3.1%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 4.6%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 5.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.4%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.2%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:SVNB.Y Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
All numbers in JPY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:SVNB.Y Future Estimates Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2023-03-31 164,000 32,900 1
2022-03-31 159,400 32,100 1
2021-03-31 160,000 31,800 4
2020-03-31 155,175 30,526 4
2019-03-31 147,000 13,128 4
OTCPK:SVNB.Y Past Financials Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income *
2018-12-31 143,560 12,252
2018-09-30 137,985 31,794 11,441
2018-06-30 131,651 25,115
2018-03-31 126,791 -19,429 25,301
2017-12-31 123,096 25,967
2017-09-30 121,741 -28,708 25,727
2017-06-30 121,109 25,492
2017-03-31 120,487 63,589 25,114
2016-12-31 120,132 25,141
2016-09-30 119,776 30,399 24,960
2016-06-30 119,357 24,839
2016-03-31 118,458 20,874 24,716

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Seven Bank's earnings are expected to grow significantly at over 20% yearly.
  • Seven Bank's revenue is expected to grow by 3.1% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:SVNB.Y Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below

All data from Seven Bank Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:SVNB.Y Future Estimates Data
Date (Data in JPY Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2023-03-31
2022-03-31
2021-03-31 26.68 27.40 26.10 5.00
2020-03-31 25.60 26.10 24.70 5.00
2019-03-31 10.93 11.30 10.73 5.00
OTCPK:SVNB.Y Past Financials Data
Date (Data in JPY Millions) EPS *
2018-12-31 10.29
2018-09-30 9.61
2018-06-30 21.09
2018-03-31 21.24
2017-12-31 21.80
2017-09-30 21.59
2017-06-30 21.39
2017-03-31 21.08
2016-12-31 21.10
2016-09-30 20.95
2016-06-30 20.85
2016-03-31 20.75

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Seven Bank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Seven Bank's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Seven Bank has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

SVNB.Y Past Performance

  How has Seven Bank performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Seven Bank's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Seven Bank's year on year earnings growth rate was negative over the past 5 years and the most recent earnings are below average.
  • Seven Bank's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Seven Bank's 1-year earnings growth is negative, it can't be compared to the US Banks industry average.
Earnings and Revenue History
Seven Bank's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Seven Bank Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:SVNB.Y Past Revenue, Cash Flow and Net Income Data
Date (Data in JPY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 143,560.00 12,252.00 65,727.00
2018-09-30 137,985.00 11,441.00 64,932.00
2018-06-30 131,651.00 25,115.00 62,925.00
2018-03-31 126,791.00 25,301.00 61,645.00
2017-12-31 123,096.00 25,967.00 61,115.00
2017-09-30 121,741.00 25,727.00 60,803.00
2017-06-30 121,109.00 25,492.00 60,798.00
2017-03-31 120,487.00 25,114.00 60,781.00
2016-12-31 120,132.00 25,141.00 60,214.00
2016-09-30 119,776.00 24,960.00 59,944.00
2016-06-30 119,357.00 24,839.00 60,154.00
2016-03-31 118,458.00 24,716.00 59,757.00
2015-12-31 117,414.00 23,696.00 60,159.00
2015-09-30 115,876.00 23,556.00 59,120.00
2015-06-30 114,256.00 23,423.00 57,569.00
2015-03-31 112,587.00 23,220.00 56,419.00
2014-12-31 110,148.00 22,532.00 55,822.00
2014-09-30 107,628.00 21,965.00 54,500.00
2014-06-30 104,994.00 21,407.00 53,133.00
2014-03-31 102,753.00 21,236.00 51,693.00
2013-12-31 101,135.00 21,563.00 50,025.00
2013-03-31 93,227.00 19,377.00 48,809.00
2012-03-31 86,242.00 17,267.00 46,075.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Seven Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Seven Bank used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Seven Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Seven Bank's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Seven Bank has a total score of 1/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

SVNB.Y Health

 How is Seven Bank's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Seven Bank's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Seven Bank Company Filings, last reported 1 month ago.

OTCPK:SVNB.Y Past Debt and Equity Data
Date (Data in JPY Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 207,265.00 115,000.00 736,010.00
2018-09-30 205,340.00 105,000.00 728,983.00
2018-06-30 211,082.00 120,000.00 705,122.00
2018-03-31 212,025.00 105,000.00 710,369.00
2017-12-31 207,375.00 130,000.00 726,008.00
2017-09-30 205,849.00 90,000.00 674,327.00
2017-06-30 199,383.00 130,000.00 698,125.00
2017-03-31 199,079.00 130,000.00 694,588.00
2016-12-31 191,171.00 164,000.00 734,520.00
2016-09-30 189,876.00 141,000.00 685,087.00
2016-06-30 184,544.00 160,016.00 686,169.00
2016-03-31 184,793.00 125,022.00 645,838.00
2015-12-31 179,377.00 135,025.00 694,279.00
2015-09-30 177,963.00 130,016.00 674,077.00
2015-06-30 171,033.00 126,000.00 626,972.00
2015-03-31 169,888.00 126,000.00 600,859.00
2014-12-31 163,763.00 154,000.00 612,625.00
2014-09-30 160,521.00 121,400.00 502,247.00
2014-06-30 154,350.00 132,600.00 503,327.00
2014-03-31 153,407.00 136,000.00 504,987.00
2013-12-31 148,651.00 201,000.00 588,927.00
2013-03-31 138,044.00 201,300.00 472,012.00
2012-03-31 125,629.00 97,000.00 368,518.00
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Seven Bank has an acceptable proportion of non-loan assets held.
  • Seven Bank's liabilities are made up of primarily low risk sources of funding.
  • Loans at Seven Bank are broadly funded by customer deposits.
  • Seven Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Seven Bank has a low allowance for bad loans.
  • Seven Bank has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Seven Bank's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Seven Bank has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

SVNB.Y Dividends

 What is Seven Bank's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
3.03%
Current annual income from Seven Bank dividends. Estimated to be 3.85% next year.
If you bought $2,000 of Seven Bank shares you are expected to receive $61 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Seven Bank's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.46%).
  • Seven Bank's dividend is below the markets top 25% of dividend payers in United States of America (3.67%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:SVNB.Y Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 4 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 465 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 1992 Stocks 2.6%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.9%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

OTCPK:SVNB.Y Future Dividends Estimate Data
Date (Data in ¥) Dividend per Share (annual) Avg. No. Analysts
2023-03-31 14.50 1.00
2022-03-31 14.00 1.00
2021-03-31 13.40 5.00
2020-03-31 12.90 5.00
2019-03-31 10.88 4.00
OTCPK:SVNB.Y Past Annualized Dividends Data
Date (Data in ¥) Dividend per share (annual) Avg. Yield (%)
2018-11-02 10.000 2.941
2018-06-20 10.000 2.926
2018-05-11 10.000 2.843
2018-02-02 10.500 2.910
2017-06-20 9.500 2.343
2017-05-12 9.500 2.304
2017-02-03 9.000 2.518
2016-11-15 8.500 2.575
2016-11-04 8.500 2.771
2016-06-22 8.500 2.526
2016-05-13 8.500 2.205
2016-02-05 8.500 1.794
2015-06-18 8.000 1.501
2015-05-08 8.000 1.368
2014-06-19 8.000 1.654
2014-05-09 7.500 1.959
2014-02-10 7.000 1.844
2014-02-07 8.000 2.151
2013-11-18 7.000 1.826
2013-11-08 7.000 1.947
2013-06-18 7.000 2.030
2013-05-10 7.000 2.014
2013-02-13 6.500 2.242
2013-02-08 6.500 2.705
2012-09-07 6.500 2.896
2012-05-11 6.500 3.308
2012-02-10 5.200 2.882
2012-02-03 5.200 3.064
2011-11-24 5.200 3.379
2011-08-05 5.200 3.546
2011-06-21 5.200 3.229
2011-05-12 5.200 3.406
2011-02-04 5.200 3.111
2010-11-05 5.200 3.095
2010-06-14 5.200 3.279
2010-01-29 4.900 2.720
2009-11-05 4.900 2.664
2009-07-31 4.900 2.171
2009-06-18 5.600 2.252
2009-02-12 4.200 1.695
2009-02-05 4.200 1.570

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Seven Bank's earnings are paid to the shareholders as a dividend.
  • Dividends paid are not well covered by earnings (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.
X
Income/ dividend checks
We assess Seven Bank's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.9%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Seven Bank afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Seven Bank has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

SVNB.Y Management

 What is the CEO of Seven Bank's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Yasuaki Funatake
AGE 62
TENURE AS CEO 0.7 years
CEO Bio

Mr. Yasuaki Funatake serves as President of Seven Bank, Ltd. since June 19, 2018 and also serves as its Representative Director. He was Executive Vice President of Seven Bank, Ltd. from June 2016 until June 19, 2018. Education March 1980 Graduated from the Faculty of Economics, The University of Tokyo ? Career April 1980 Joined the Long-Term Credit Bank of Japan, Ltd. (current name: Shinsei Bank, Ltd.) Jul. 2001 - Manager of Retail Operations Division, Shinsei Bank December 2001 Seven Bank, Ltd. June 2006 Executive Officer, General Manager of Business Development Division June 2008 Director, Executive Officer, General Manager of Business Promotion Division June 2010 Director, Managing Executive Officer, General Manager of Planning Division June 2013 Director, Senior Managing Executive Officer June 2016 Director, Executive Vice President

CEO Compensation
  • Insufficient data for Yasuaki to compare compensation growth.
  • Insufficient data for Yasuaki to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team

Yasuaki Funatake

TITLE
President & Representative Director
AGE
62
TENURE
0.7 yrs

Hideki Kakishima

TITLE
Assistant General Manager

Kazutaka Inagaki

TITLE
Executive Officer
AGE
51

Kenichi Yamamoto

TITLE
Managing Executive Officer and GM of General Affairs Division & Human Resources Division

Kazuhiko Ishiguro

TITLE
Senior Managing Executive Officer & Director
AGE
61

Masaaki Matsuhashi

TITLE
Senior Managing Executive Officer

Taku Oizumi

TITLE
Managing Executive Officer
AGE
62

Nobuyoshi Motegi

TITLE
Executive Officer & GM of Risk Management Division

Tomofumi Oguchi

TITLE
Managing Executive Officer

Hisanao Kawada

TITLE
Managing Executive Officer
AGE
58
TENURE
12.3 yrs
Board of Directors Tenure

Average tenure and age of the Seven Bank board of directors in years:

1.2
Average Tenure
62.5
Average Age
  • The average tenure for the Seven Bank board of directors is less than 3 years, this suggests a new board.
Board of Directors

Kensuke Futagoishi

TITLE
Chairman & Representative Director
AGE
66
TENURE
0.7 yrs

Yasuaki Funatake

TITLE
President & Representative Director
AGE
62
TENURE
10.7 yrs

Kazutaka Inagaki

TITLE
Executive Officer
AGE
51
TENURE
0.7 yrs

Kazuhiko Ishiguro

TITLE
Senior Managing Executive Officer & Director
AGE
61
TENURE
8.7 yrs

Taku Oizumi

TITLE
Managing Executive Officer
AGE
62
TENURE
6.7 yrs

Hisanao Kawada

TITLE
Managing Executive Officer
AGE
58
TENURE
2.7 yrs

Katsuhiro Goto

TITLE
Non-Executive Director
AGE
65
TENURE
1.7 yrs

Makoto Kigawa

TITLE
Outside Director
AGE
69
TENURE
0.7 yrs

Toshihiko Itami

TITLE
Outside Director
AGE
65
TENURE
0.7 yrs

Koichi Fukuo

TITLE
Outside Director
AGE
63
TENURE
0.7 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Seven Bank's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Seven Bank has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

SVNB.Y News

Simply Wall St News

SVNB.Y Company Info

Map
Description

Seven Bank, Ltd. provides various banking products and services in Japan and internationally. The company accepts accounts, and ordinary and time deposits; and offers loans, cash and credit cards, debit and point services, international and domestic money transfer, Internet banking, and other services. It also provides a range of ATM services and back-office support services for financial institutions, as well as cash acceptance services from sales. As of March 31, 2018, it had installed 24,392 ATMs in Japan and 120 ATMs in Indonesia. As of December 31, 2017, the company also had installed 11,582 ATMs in the United States. It serves individual and corporate customers. The company was founded in 2001 and is headquartered in Tokyo, Japan.

Details
Name: Seven Bank, Ltd.
SVNB.Y
Exchange: OTCPK
Founded: 2001
¥3,592,205,788
1,191,632,629
Website: http://www.sevenbank.co.jp
Address: Seven Bank, Ltd.
1-6-1, Marunouchi,
Chiyoda-ku,
Tokyo,
100-0005,
Japan
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
TSE 8410 Common Stock The Tokyo Stock Exchange JP JPY 29. Feb 2008
DB 0S7 Common Stock Deutsche Boerse AG DE EUR 29. Feb 2008
OTCPK SVNB.Y ADR Pink Sheets LLC US USD 06. Jun 2008
Number of employees
Current staff
Staff numbers
682
Seven Bank employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/02/04 01:29
End of day share price update: 2018/11/06 00:00
Last estimates confirmation: 2019/02/01
Last earnings filing: 2019/02/01
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.