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8558.T$1325.00-2.14%
Fair $1325.00+0.0%

8558.T

The Towa Bank, Ltd.

Financial Services / Banks - RegionalTokyo

$1325.00

-29.00 (-2.14%)

Fairly Valued+0.0%Fair Value $1325.00Fund rank 19/100 · Data gapFallback financials|
SA 42/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 13.0/100

Data gap 19/100
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

42/100

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 5.0%, below the 5% threshold
Thesis & Journal · 8558.TLocal privado en este navegador · The Towa 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

$47.0B

P/E

11.7x

↓

EV/EBITDA

N/A

•

ROE

5.0%

↓

Gross Margin

N/A

•

Debt/Equity

1.34

↑
52-Week Range$1325
$683$1374

TradingView lightweight chart

8558.T price, volumen y niveles de valoración

Último $1,325Periodo -69.5%
Fair value: $1,325

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

-3.1%

FCF CAGR

—

FCF margin

-65.6%

FCF / Net income

-4.31x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $29.75B · net income $4.52B · FCF $-19.50B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

15.2%+9.9% pts

FCF margin

-65.6%-76.3% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$29.75B$29.75B$29.74B$29.34B$32.67B
Net Income$4.52B$4.52B$3.53B$4.09B$1.75B
EPS113.01113.0156.0062.7127.22
Net Margin15.2%15.2%11.9%14.0%5.3%
Balance Sheet
Debt/Equity1.341.341.020.992.35
Cash Flow
Free Cash Flow$-19.50B$-19.50B$-1.61B$-211.22B$3.50B
Returns
ROE5.0%5.0%3.0%3.5%1.4%
Valuation
P/E11.7211.7212.298.6919.21
P/B0.580.580.230.170.15
Growth & Yield
Revenue Growth0.0%0.0%1.4%-10.2%—
EPS Growth101.8%101.8%-10.7%130.4%—
Dividend Yield7.4%7.4%———

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

1.3%

fácil

EPS terminal req.

$117.57

Spread vs growth

100.5%

5Y implied EPS CAGR

4.7%

fácil

EPS terminal req.

$142.26

Spread vs growth

97.1%

10Y implied EPS CAGR

7.3%

razonable

EPS terminal req.

$229.11

Spread vs growth

94.5%

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 +93.5%

Total return

+93.5%

Start / end P/E

12.7x → 11.7x

EPS bridge

56.00 → 113.01

Residual

-7.9%

EPS growth+101.8%
Multiple rerating-7.8%
Dividend+7.4%
Residual / FX / buybacks / cross-term-7.9%

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.