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Tomato Bank, Ltd. (JP:8542)
:8542
Japanese Market
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Tomato Bank, Ltd. (8542) AI Stock Analysis

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JP:8542

Tomato Bank, Ltd.

(8542)

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Neutral 69 (OpenAI - 4o)
Rating:69Neutral
Price Target:
¥1,547.00
▲(16.40% Upside)
Tomato Bank, Ltd. has a solid overall stock score driven by strong technical indicators and reasonable valuation. Financial performance is stable but cautious due to revenue decline and past cash flow issues. The absence of earnings call data and corporate events does not impact the score.

Tomato Bank, Ltd. (8542) vs. iShares MSCI Japan ETF (EWJ)

Tomato Bank, Ltd. Business Overview & Revenue Model

Company DescriptionTomato Bank, Ltd. provides banking products and services for individual and corporate customers in Japan. It accepts saving, time, reserve, and foreign currency deposits, as well as provides loan products, such as card, housing, remodeling, free, car, education, and other loans. The company also offers debit and credit cards; life and non-life insurance products and services; and bonds. In addition, it provides pension, investment trust, electronic money charge, payment and transfer, safe deposit box, and Internet and mobile banking services. Further, the company provides consulting, business support, fund management, and ATM services. As of June 30, 2021, it operated a network of 61 branches. The company was formerly known as Sanyo Mutual Bank, Ltd. and changed its name to Tomato Bank, Ltd. in April 1989. Tomato Bank, Ltd. was incorporated in 1931 and is headquartered in Okayama, Japan.
How the Company Makes MoneyTomato Bank, Ltd. generates revenue primarily through interest income from loans and advances made to customers, which constitutes a significant portion of its earnings. The bank charges interest on various lending products, including personal loans, mortgages, and business loans, contributing to its core revenue stream. Additionally, the bank earns fees from various services such as account maintenance, transaction processing, and advisory services. Investment income from securities and other financial instruments also adds to the bank's overall profitability. Strategic partnerships with fintech companies may enhance Tomato Bank's service offerings and customer reach, further driving revenue growth.

Tomato Bank, Ltd. Financial Statement Overview

Summary
Tomato Bank, Ltd. presents a stable yet cautious financial outlook. Profitability metrics have improved, but revenue decline and past cash flow issues pose risks. The balance sheet is moderately leveraged, providing some stability.
Income Statement
65
Positive
Tomato Bank, Ltd. shows a mixed performance in its income statement. The net profit margin has improved to 7.33% in the latest year, indicating better profitability. However, the revenue growth rate has declined by 7.65%, which is a concern. The EBIT margin is stable at 11.09%, suggesting efficient operations, but the EBITDA margin has decreased, indicating potential cost pressures.
Balance Sheet
70
Positive
The balance sheet reflects a moderate financial position. The debt-to-equity ratio has improved to 0.72, showing a reduction in leverage. Return on equity is relatively low at 3.25%, indicating limited profitability from equity. The equity ratio is stable, suggesting a balanced asset structure.
Cash Flow
55
Neutral
Cash flow analysis reveals challenges. Although free cash flow has grown significantly, the operating cash flow to net income ratio is strong at 2.97, indicating good cash generation relative to earnings. However, past negative operating cash flows raise concerns about cash management.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue24.01B23.16B23.61B20.71B20.41B20.01B
Gross Profit23.95B24.01B23.63B22.11B21.92B21.58B
EBITDA3.52B3.33B3.06B3.50B3.20B2.97B
Net Income1.82B1.82B1.53B1.88B1.66B1.52B
Balance Sheet
Total Assets1.36T1.36T1.34T1.31T1.40T1.30T
Cash, Cash Equivalents and Short-Term Investments108.83B108.83B101.97B86.59B196.34B103.46B
Total Debt39.98B39.98B39.75B25.44B120.55B26.77B
Total Liabilities1.31T1.31T1.29T1.26T1.35T1.25T
Stockholders Equity55.86B55.86B56.83B54.20B54.75B51.81B
Cash Flow
Free Cash Flow0.0014.90B-3.37B-110.62B90.10B46.66B
Operating Cash Flow0.0015.32B-3.02B-110.25B90.73B47.32B
Investing Cash Flow0.00-26.13B8.86B2.06B-13.00M-10.85B
Financing Cash Flow0.0017.39B17.55B-828.00M2.17B-806.00M

Tomato Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1329.00
Price Trends
50DMA
1328.53
Positive
100DMA
1251.68
Positive
200DMA
1204.56
Positive
Market Momentum
MACD
-3.54
Positive
RSI
46.21
Neutral
STOCH
7.71
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8542, the sentiment is Positive. The current price of 1329 is below the 20-day moving average (MA) of 1347.13, above the 50-day MA of 1328.53, and above the 200-day MA of 1204.56, indicating a neutral trend. The MACD of -3.54 indicates Positive momentum. The RSI at 46.21 is Neutral, neither overbought nor oversold. The STOCH value of 7.71 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8542.

Tomato Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥10.05B7.094.18%4.04%2.44%10.20%
73
Outperform
¥12.97B10.042.74%3.61%9.46%9.41%
72
Outperform
¥12.94B11.193.02%3.67%7.67%-26.27%
72
Outperform
¥16.66B6.803.33%3.68%14.06%20.87%
69
Neutral
¥15.58B10.833.69%2.61%-7.91%
69
Neutral
¥24.02B10.892.60%2.89%0.44%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8542
Tomato Bank, Ltd.
1,329.00
229.84
20.91%
JP:8349
Tohoku Bank, Ltd.
1,333.00
266.61
25.00%
JP:8364
Shimizu Bank, Ltd.
2,044.00
619.11
43.45%
JP:8383
TOTTORI BANK, LTD.
1,367.00
87.01
6.80%
JP:8537
Taiko Bank, Ltd.
1,764.00
460.74
35.35%
JP:8563
Daito Bank, Ltd.
788.00
118.74
17.74%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Aug 29, 2025