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8550.T$914.00-3.18%
Fair $914.00+0.0%

8550.T

The Tochigi Bank, Ltd.

Financial Services / Banks - RegionalTokyo

$914.00

-30.00 (-3.18%)

Fairly Valued+0.0%Fair Value $914.00Fund rank 30/100 · Data gapFallback financials|
SA 34/D
F-Score: 1/9
Declining RevenueLow 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 6.0/100

Data gap 30/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 20/100Data 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

34/100

D

Piotroski

1/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 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. Revenue has declined for 2 consecutive years ROE is -14.7%, below the 5% threshold
Thesis & Journal · 8550.TLocal privado en este navegador · The Tochigi 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

$95.2B

P/E

11.5x

↓

EV/EBITDA

N/A

•

ROE

-14.7%

↓

Gross Margin

N/A

•

Debt/Equity

0.22

↓
52-Week Range$914
$344$1082

TradingView lightweight chart

8550.T price, volumen y niveles de valoración

Último $914.00Periodo +32.3%
Fair value: $914.00

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

+0.3%

FCF CAGR

—

FCF margin

-274.4%

FCF / Net income

4.66x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $37.89B · net income $-22.33B · FCF $-103.98B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-58.9%-68.6% pts

FCF margin

-274.4%-1016.4% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$37.89B$37.89B$40.93B$41.19B$37.52B
Net Income$-22.33B$-22.33B$2.10B$2.65B$3.63B
EPS-215.45-215.4520.2925.5334.55
Net Margin-58.9%-58.9%5.1%6.4%9.7%
Balance Sheet
Debt/Equity0.220.220.230.271.95
Cash Flow
Free Cash Flow$-103.98B$-103.98B$11.35B$-292.20B$278.43B
Returns
ROE-14.7%-14.7%1.4%1.7%2.2%
Valuation
P/E11.4711.4717.5910.696.45
P/B0.630.630.250.180.15
Growth & Yield
Revenue Growth-7.4%-7.4%-0.6%9.8%—
EPS Growth-1161.9%-1161.9%-20.5%-26.1%—
Dividend Yield3.3%3.3%———

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

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

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 +163.7%

Total return

+163.7%

Start / end P/E

n/dx → n/dx

EPS bridge

20.29 → -215.45

Residual

+160.4%

EPS growthn/d
Multiple reratingn/d
Dividend+3.3%
Residual / FX / buybacks / cross-term+160.4%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

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.