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 88.06 billion.

Market Cap	88.06B
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, May 12, 2026.

Earnings Date	May 12, 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)	+0.02%
Owned by Insiders (%)	1.95%
Owned by Institutions (%)	29.81%
Float	15.91M

Valuation Ratios

The trailing PE ratio is 10.32.

PE Ratio	10.32
Forward PE	n/a
PS Ratio	1.43
PB Ratio	0.70
P/TBV Ratio	0.71
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	-0.37
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.07%.

Return on Equity (ROE)	7.07%
Return on Assets (ROA)	0.27%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.69%
Revenue Per Employee	48.03M
Profits Per Employee	6.69M
Employee Count	1,314
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, TYO:8395 has paid 3.48 billion in taxes.

Income Tax	3.48B
Effective Tax Rate	28.83%

Stock Price Statistics

The stock price has increased by +140.65% in the last 52 weeks. The beta is 0.22, so TYO:8395's price volatility has been lower than the market average.

Beta (5Y)	0.22
52-Week Price Change	+140.65%
50-Day Moving Average	5,090.80
200-Day Moving Average	4,034.35
Relative Strength Index (RSI)	50.98
Average Volume (20 Days)	63,155

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 61.67 billion and earned 8.59 billion in profits. Earnings per share was 504.83.

Revenue	61.67B
Gross Profit	61.67B
Operating Income	12.12B
Pretax Income	12.06B
Net Income	8.59B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	504.83

Balance Sheet

The company has 278.28 billion in cash and 41.57 billion in debt, with a net cash position of 236.71 billion or 14,005.14 per share.

Cash & Cash Equivalents	278.28B
Total Debt	41.57B
Net Cash	236.71B
Net Cash Per Share	14,005.14
Equity (Book Value)	126.50B
Book Value Per Share	7,484.25
Working Capital	-2,726.19B

Cash Flow

In the last 12 months, operating cash flow was -110.28 billion and capital expenditures -3.55 billion, giving a free cash flow of -113.83 billion.

Operating Cash Flow	-110.28B
Capital Expenditures	-3.55B
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	-113.83B
FCF Per Share	-6,734.58

Margins

Gross Margin	n/a
Operating Margin	19.65%
Pretax Margin	19.56%
Profit Margin	13.92%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 110.00, which amounts to a dividend yield of 2.11%.

Dividend Per Share	110.00
Dividend Yield	2.11%
Dividend Growth (YoY)	22.22%
Years of Dividend Growth	2
Payout Ratio	19.64%
Buyback Yield	-0.11%
Shareholder Yield	2.00%
Earnings Yield	9.75%
FCF Yield	-129.26%

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