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8392.T$2178.00-5.46%
Fair $2178.00+0.0%

8392.T

The Oita Bank, Ltd.

Financial Services / Banks - RegionalTokyo

$2178.00

-123.00 (-5.46%)

Fairly Valued+0.0%Fair Value $2178.00Fund rank 27/100 · Data gapFallback financials|
SA 46/C
F-Score: 4/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 12.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 34/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

46/100

C

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is 3.6%, below the 5% threshold
Thesis & Journal · 8392.TLocal privado en este navegador · The Oita Bank, Ltd.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$164.5B

P/E

15.7x

↑

EV/EBITDA

N/A

•

ROE

3.6%

↓

Gross Margin

N/A

•

Debt/Equity

1.86

↑
52-Week Range$2178
$660$2394

TradingView lightweight chart

8392.T price, volumen y niveles de valoración

Último $2,131Periodo +93.4%
Fair value: $2,178

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

+9.4%

FCF CAGR

—

FCF margin

-172.9%

FCF / Net income

-15.90x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $69.49B · net income $7.55B · FCF $-120.15B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

10.9%+0.7% pts

FCF margin

-172.9%-1056.7% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$69.49B$69.49B$66.17B$66.72B$53.05B
Net Income$7.55B$7.55B$6.54B$5.41B$5.38B
EPS96.4296.4282.2068.1367.83
Net Margin10.9%10.9%9.9%8.1%10.1%
Balance Sheet
Debt/Equity1.861.861.852.072.17
Cash Flow
Free Cash Flow$-120.15B$-120.15B$131.18B$-98.87B$468.91B
Returns
ROE3.6%3.6%3.0%2.9%2.7%
Valuation
P/E15.7015.707.186.015.42
P/B0.820.820.220.170.15
Growth & Yield
Revenue Growth5.0%5.0%-0.8%25.8%—
EPS Growth17.3%17.3%20.7%0.4%—
Dividend Yield2.4%2.4%———

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

26.1%

muy exigente

EPS terminal req.

$193.26

Spread vs growth

-8.8%

5Y implied EPS CAGR

19.4%

exigente

EPS terminal req.

$233.85

Spread vs growth

-2.1%

10Y implied EPS CAGR

14.6%

razonable

EPS terminal req.

$376.61

Spread vs growth

2.7%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +220.9%

Total return

+220.9%

Start / end P/E

8.1x → 22.1x

EPS bridge

82.20 → 96.42

Residual

+29.7%

EPS growth+17.3%
Multiple rerating+171.6%
Dividend+2.4%
Residual / FX / buybacks / cross-term+29.7%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.