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8395.T$5100.00-2.11%
Fair $5100.00+0.0%

8395.T

The Bank of Saga Ltd.

Financial Services / Banks - RegionalTokyo

$5100.00

-110.00 (-2.11%)

Fairly Valued+0.0%Fair Value $5100.00Fund rank 24/100 · Data gapFallback financials|
SA 51/C
F-Score: 4/9

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 20.0/100

Data gap 24/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 0/100Data 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

51/100

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: 0unknown: 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.
Thesis & Journal · 8395.TLocal privado en este navegador · The Bank of Saga 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

$86.2B

P/E

10.1x

↓

EV/EBITDA

N/A

•

ROE

6.4%

↓

Gross Margin

N/A

•

Debt/Equity

0.06

↓
52-Week Range$5100
$2078$5510

TradingView lightweight chart

8395.T price, volumen y niveles de valoración

Último $5,100Periodo +39.7%
Fair value: $5,100

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

+5.9%

FCF CAGR

—

FCF margin

-57.7%

FCF / Net income

-3.69x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $47.91B · net income $7.50B · FCF $-27.66B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

15.6%+5.5% pts

FCF margin

-57.7%-49.9% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$47.91B$47.91B$44.30B$42.01B$40.30B
Net Income$7.50B$7.50B$6.22B$5.49B$4.08B
EPS441.27441.27366.50324.04—
Net Margin15.6%15.6%14.0%13.1%10.1%
Balance Sheet
Debt/Equity0.060.060.050.061.38
Cash Flow
Free Cash Flow$-27.66B$-27.66B$110.66B$-190.17B$-3.15B
Returns
ROE6.4%6.4%5.1%5.0%3.5%
Valuation
P/E10.1010.105.744.95—
P/B0.740.740.290.250.21
Growth & Yield
Revenue Growth8.2%8.2%5.5%4.2%—
EPS Growth20.4%20.4%13.1%——
Dividend Yield2.2%2.2%———

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

0.8%

fácil

EPS terminal req.

$452.54

Spread vs growth

19.6%

5Y implied EPS CAGR

4.4%

fácil

EPS terminal req.

$547.57

Spread vs growth

16.0%

10Y implied EPS CAGR

7.2%

razonable

EPS terminal req.

$881.87

Spread vs growth

13.2%

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 +146.9%

Total return

+146.9%

Start / end P/E

5.7x → 11.6x

EPS bridge

366.50 → 441.27

Residual

+21.1%

EPS growth+20.4%
Multiple rerating+103.3%
Dividend+2.2%
Residual / FX / buybacks / cross-term+21.1%

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.