The Bank of Saga Ltd. (TYO:8395)

The Bank of Saga Statistics

Total Valuation

TYO:8395 has a market cap or net worth of JPY 79.10 billion.

Market Cap	79.10B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Monday, February 9, 2026.

Earnings Date	Feb 9, 2026
Ex-Dividend Date	Mar 30, 2026

Share Statistics

TYO:8395 has 16.90 million shares outstanding. The number of shares has increased by 0.11% in one year.

Current Share Class	16.90M
Shares Outstanding	16.90M
Shares Change (YoY)	+0.11%
Shares Change (QoQ)	+0.04%
Owned by Insiders (%)	2.13%
Owned by Institutions (%)	25.31%
Float	15.87M

Valuation Ratios

The trailing PE ratio is 9.69.

PE Ratio	9.69
Forward PE	n/a
PS Ratio	1.63
PB Ratio	0.64
P/TBV Ratio	0.65
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.22
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.69%.

Return on Equity (ROE)	6.69%
Return on Assets (ROA)	0.26%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.72%
Revenue Per Employee	36.91M
Profits Per Employee	6.24M
Employee Count	1,284
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, TYO:8395 has paid 3.11 billion in taxes.

Income Tax	3.11B
Effective Tax Rate	27.50%

Stock Price Statistics

The stock price has increased by +110.24% in the last 52 weeks. The beta is -0.02, so TYO:8395's price volatility has been lower than the market average.

Beta (5Y)	-0.02
52-Week Price Change	+110.24%
50-Day Moving Average	3,860.60
200-Day Moving Average	2,886.95
Relative Strength Index (RSI)	79.66
Average Volume (20 Days)	71,740

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, TYO:8395 had revenue of JPY 48.51 billion and earned 8.21 billion in profits. Earnings per share was 482.76.

Revenue	48.51B
Gross Profit	48.51B
Operating Income	11.72B
Pretax Income	11.32B
Net Income	8.21B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	482.76

Balance Sheet

The company has 272.46 billion in cash and 41.62 billion in debt, with a net cash position of 230.85 billion or 13,657.30 per share.

Cash & Cash Equivalents	272.46B
Total Debt	41.62B
Net Cash	230.85B
Net Cash Per Share	13,657.30
Equity (Book Value)	123.14B
Book Value Per Share	7,285.44
Working Capital	-2,707.37B

Cash Flow

In the last 12 months, operating cash flow was -190.47 billion and capital expenditures -1.62 billion, giving a free cash flow of -192.08 billion.

Operating Cash Flow	-190.47B
Capital Expenditures	-1.62B
Free Cash Flow	-192.08B
FCF Per Share	-11,363.94

Margins

Gross Margin	n/a
Operating Margin	24.16%
Pretax Margin	23.33%
Profit Margin	16.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 100.00, which amounts to a dividend yield of 2.18%.

Dividend Per Share	100.00
Dividend Yield	2.18%
Dividend Growth (YoY)	11.11%
Years of Dividend Growth	2
Payout Ratio	18.48%
Buyback Yield	-0.11%
Shareholder Yield	2.11%
Earnings Yield	10.37%
FCF Yield	-242.82%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on September 27, 2017. It was a reverse split with a ratio of 0.1.

Last Split Date	Sep 27, 2017
Split Type	Reverse
Split Ratio	0.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2