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The Kiyo Bank

TYO:8370 · JP3248000006
BanksSmall

360

8
Medium confidence — indicative
Profit price48
Cash yield1
Price/Sales56
EV / Gross Profit83
Price/Book44
Returns on capital56
Profit margins—
Cash Conversion3
Accruals40
Owner Earnings Margin26
Sales growth16
Profit growth49
Reinvestment47
Price momentum73
Debt load42
Debt serviceability5
Liquidity65
Analyst ratings—
Expectations trend50
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

The Kiyo Bank generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSE
Founded1895
Employees2
Websitekiyobank.co.jp
ISINJP3248000006
Last UpdateApr 2, 2026
Index & Theme
BankingFinanceFinancial ExchangesFinancial ServicesWealth Management

Description

The Kiyo Bank, Ltd. provides various banking products and services. The company provides comprehensive financial services, such as deposit-taking and lending services, leasing operations, credit card business, securities investment and others. The c…

Analysis

Weak and unloved

The Kiyo Bank, Ltd. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 12.1× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is tepid and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
10
2023202420252026

All-time high

67

Jan 2023

All-time low

10

Jun 2026

Average rank

37

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
56
52
63
76
Price/Earnings
71
87
3
88
Price/Book
44
72
77
74
Dividend Yield
1
19
35
23
Value (overall)
28
63
42
65

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →