Tomato Bank, Ltd. (JP:8542)
:8542
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Tomato Bank, Ltd.
(8542)
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Rating:67Neutral
Price Target:
¥1,812.00
▲(20.48% Upside)
Action:ReiteratedDate:03/06/26
The score is driven by attractive valuation (very low P/E and ~3% dividend yield) and moderate financial performance (improving margins and manageable leverage), offset by weaker technical momentum (negative MACD and price below the 20-day average) and fundamental concerns around declining revenue and past operating cash flow issues.
Positive Factors
Improving profitability
Improved net and EBIT margins indicate the bank has tightened costs and/or enhanced loan pricing, supporting sustainable profitability. Strong margins provide a buffer against top-line volatility, enabling continued earnings retention, reinvestment, and support for dividends over the medium term.
Negative Factors
Declining revenue
A year-over-year revenue decline of 7.65% reduces the top-line base needed to absorb fixed costs and sustain growth. If persistent, shrinking revenue can compress margins, limit reinvestment, and signal market share loss or weaker loan/deposit activity, creating medium-term pressure on strategic initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Improved net and EBIT margins indicate the bank has tightened costs and/or enhanced loan pricing, supporting sustainable profitability. Strong margins provide a buffer against top-line volatility, enabling continued earnings retention, reinvestment, and support for dividends over the medium term.
Read all positive factors
Tomato Bank, Ltd. (8542) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥18.51B
Dividend Yield3.37%
Average Volume (3M)18.46K
Price to Earnings (P/E)4.8
Beta (1Y)0.64
Revenue Growth3.70%
EPS Growth24.98%
CountryJP
Employees768
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)76.74
Shares Outstanding11,679,030
10 Day Avg. Volume21,960
30 Day Avg. Volume18,460
Financial Highlights & Ratios
PEG Ratio0.63
Price to Book (P/B)0.42
Price to Sales (P/S)1.02
P/FCF Ratio1.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Tomato Bank, Ltd. Business Overview & Revenue Model
Company Description
Tomato 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, ...
How the Company Makes Money
Tomato Bank generates revenue through several key streams. Primarily, the bank earns interest income from loans issued to customers, which include personal loans, mortgages, and business financing. This interest represents a significant portion of...
Tomato Bank, Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.49B | 23.16B | 21.55B | 20.71B | 20.41B | 20.01B |
| Gross Profit | 23.49B | 22.21B | 21.30B | 20.29B | 20.14B | 19.57B |
| EBITDA | 3.03B | 3.33B | 3.06B | 3.50B | 3.20B | 2.97B |
| Net Income | 1.52B | 1.82B | 1.53B | 1.88B | 1.66B | 1.52B |
Balance Sheet | ||||||
| Total Assets | 1.38T | 1.36T | 1.34T | 1.31T | 1.40T | 1.30T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 108.83B | 101.97B | 86.56B | 196.34B | 103.46B |
| Total Debt | 40.03B | 39.98B | 39.34B | 25.44B | 120.55B | 26.77B |
| Total Liabilities | 1.32T | 1.31T | 1.29T | 1.26T | 1.35T | 1.25T |
| Stockholders Equity | 56.45B | 55.86B | 56.83B | 54.20B | 54.75B | 51.81B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 14.90B | 0.00 | -110.62B | 90.10B | 46.66B |
| Operating Cash Flow | 0.00 | 15.32B | 0.00 | -110.25B | 90.73B | 47.32B |
| Investing Cash Flow | 0.00 | -26.13B | 8.86B | 2.06B | -13.00M | -10.85B |
| Financing Cash Flow | 0.00 | 17.39B | 17.55B | -828.00M | 2.17B | -806.00M |
Tomato Bank, Ltd. Technical Analysis
Positive
1504.00
Price Trends
1647.17
Negative
1553.97
Positive
1420.08
Positive
Market Momentum
-9.02
Negative
50.17
Neutral
64.93
Neutral
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 1504 is below the 20-day moving average (MA) of 1592.77, below the 50-day MA of 1647.17, and above the 200-day MA of 1420.08, indicating a neutral trend. The MACD of -9.02 indicates Negative momentum. The RSI at 50.17 is Neutral, neither overbought nor oversold. The STOCH value of 64.93 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥14.11B | 9.31 | ― | 3.58% | 13.77% | 19.08% | |
72 Outperform | ¥23.98B | 7.08 | ― | 3.50% | 16.60% | -5.51% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥18.51B | 4.85 | ― | 3.37% | 3.70% | 24.98% | |
66 Neutral | ¥12.70B | 7.04 | ― | 3.74% | 5.91% | 5.03% | |
64 Neutral | ¥15.65B | 4.33 | ― | 3.30% | 11.93% | 36.32% | |
53 Neutral | ¥13.11B | 8.11 | ― | 1.89% | 8.11% | 68.98% |
* Financial Sector Average
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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.