Tomato Bank, Ltd. (JP:8542)
:8542
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Tomato Bank, Ltd.
(8542)
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Rating:59Neutral
Price Target:
¥1,598.00
▲(6.25% Upside)
Action:Reiterated
Date:05/15/26
The score is led by attractive valuation (low P/E and solid dividend yield), but is held back by weaker financial quality signals—most notably highly inconsistent cash flows and only modest shareholder returns—and a soft near-term technical setup with price below key moving averages and negative MACD.
Positive Factors
Steady revenue growth
Sustained top-line expansion over multiple years (10.3% in 2026) indicates durable franchise momentum in lending and fee businesses. Persistent revenue growth supports capacity to absorb cost pressure and fund business investments, benefiting medium-term earnings stability.
Negative Factors
Erratic cash generation
Extreme swings in operating/free cash flow across years materially raise uncertainty about sustainable internal financing. Inconsistent cash conversion limits reliable dividend coverage, constrains capital allocation planning, and increases reliance on external funding in stressed periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth
Sustained top-line expansion over multiple years (10.3% in 2026) indicates durable franchise momentum in lending and fee businesses. Persistent revenue growth supports capacity to absorb cost pressure and fund business investments, benefiting medium-term earnings stability.
Read all positive factors
Tomato Bank, Ltd. (8542) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥17.13B
Dividend Yield3.37%
Average Volume (3M)18.46K
Price to Earnings (P/E)14.6
Beta (1Y)0.65
Revenue Growth6.15%
EPS Growth-0.87%
CountryJP
Employees768
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)91.19
Shares Outstanding11,679,030
10 Day Avg. Volume21,960
30 Day Avg. Volume18,460
Financial Highlights & Ratios
PEG Ratio1.00
Price to Book (P/B)0.31
Price to Sales (P/S)0.69
P/FCF Ratio23.97
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 primarily earns revenue from banking operations. The main source is net interest income: it collects interest on loans and other interest-earning assets and pays interest on deposits and other funding, keeping the spread. It also gener...
Tomato Bank, Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 23.49B | 25.91B | 23.16B | 21.55B | 20.71B | 20.41B |
| Gross Profit | 23.49B | 22.30B | 22.21B | 21.30B | 20.29B | 20.14B |
| EBITDA | 3.03B | 3.55B | 3.33B | 3.06B | 3.50B | 3.20B |
| Net Income | 1.52B | 1.97B | 1.82B | 1.53B | 1.88B | 1.66B |
Balance Sheet | ||||||
| Total Assets | 1.38T | 1.39T | 1.36T | 1.34T | 1.31T | 1.40T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 114.00B | 108.83B | 101.97B | 86.56B | 196.34B |
| Total Debt | 40.03B | 39.99B | 39.98B | 39.34B | 25.44B | 120.55B |
| Total Liabilities | 1.32T | 1.33T | 1.31T | 1.29T | 1.26T | 1.35T |
| Stockholders Equity | 56.45B | 57.43B | 55.86B | 56.83B | 54.20B | 54.75B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 745.00M | 14.90B | 0.00 | -110.62B | 90.10B |
| Operating Cash Flow | 0.00 | 1.35B | 15.32B | 0.00 | -110.25B | 90.73B |
| Investing Cash Flow | 0.00 | -21.54B | -26.13B | 8.86B | 2.06B | -13.00M |
| Financing Cash Flow | 0.00 | 21.28B | 17.39B | 17.55B | -828.00M | 2.17B |
Tomato Bank, Ltd. Technical Analysis
Negative
1504.00
Price Trends
1572.12
Negative
1599.50
Negative
1477.82
Positive
Market Momentum
-24.03
Positive
37.62
Neutral
20.63
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8542, the sentiment is Negative. The current price of 1504 is below the 20-day moving average (MA) of 1539.30, below the 50-day MA of 1572.12, and above the 200-day MA of 1477.82, indicating a neutral trend. The MACD of -24.03 indicates Positive momentum. The RSI at 37.62 is Neutral, neither overbought nor oversold. The STOCH value of 20.63 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | ¥26.77B | 9.65 | ― | 3.50% | 1.03% | 12.15% | |
69 Neutral | ¥13.84B | 8.73 | ― | 3.30% | 20.18% | 20.57% | |
68 Neutral | ¥12.41B | 7.38 | ― | 3.74% | 15.32% | 26.30% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥13.19B | 7.78 | ― | 3.58% | 18.86% | 59.05% | |
59 Neutral | ¥17.13B | 14.62 | ― | 3.37% | 6.15% | -0.87% | |
52 Neutral | ¥11.96B | 16.25 | ― | 1.89% | 17.42% | ― |
* 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.