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Finance

San-in Godo Bank Ltd.

Business Summary

San-in Godo Bank Ltd. engages in the commercial banking business. It operates through the following business segments: Banking, Leasing, and Others. The Banking segment consists of deposit, loan, security investment, and exchange businesses. The Leasing segment handles the leasing business headed by a consolidated subsidiary. The Others segment includes credit guarantee business. The company was founded on July 1, 1941 and is headquartered in Matsue, Japan.

Financial Highlights

Mar 2020 JPYUSD
Revenue86,154M792.39M
Gross Profit----
Operating income14,976M137.74M
Income before tax15,288M140.61M
Net income10,467M96.26M
EBITDA----
Diluted EPS66.910.61
Dividends Per Share200.18
Total Assets5,691.46B52,720.66M
Total liabilities5,329.80B49,370.58M
Total equity360,327M3,337.75M
Operating cash flow35,915M330.32M
Currency in JPYCurrency in USD

Historical Data

 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 89,461M 89,306M 91,707M 92,230M 86,154M
Gross Profit -- -- -- -- --
Operating income 21,137M 17,442M 17,085M 14,333M 14,976M
Income before tax 21,651M 20,366M 19,685M 19,179M 15,288M
Net income 12,911M 13,400M 13,692M 13,205M 10,467M
EBITDA -- -- -- -- --
Diluted EPS 80.67 84.91 87.47 84.35 66.91
Dividends Per Share 15 15 26 26 20
Total Assets 5,160.55B 5,411.47B 5,548.60B 5,599.59B 5,691.46B
Total liabilities 4,786.82B 5,058.62B 5,186.18B 5,227.09B 5,329.80B
Total equity 355,630M 351,559M 361,019M 371,172M 360,327M
Operating cash flow 31,058M -4,190M -30,912M -2,595M 35,915M
 Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Revenue 744.98M 824.71M 827.43M 831.69M 792.39M
Gross Profit -- -- -- -- --
Operating income 176.01M 161.07M 154.15M 129.24M 137.74M
Income before tax 180.29M 188.07M 177.61M 172.94M 140.61M
Net income 107.51M 123.74M 123.53M 119.07M 96.26M
EBITDA -- -- -- -- --
Diluted EPS 0.67 0.78 0.78 0.76 0.61
Dividends Per Share 0.12 0.13 0.23 0.23 0.18
Total Assets 45,914.46M 48,563.86M 52,173.04M 50,590.39M 52,720.66M
Total liabilities 42,589.33M 45,397.34M 48,765.28M 47,225.00M 49,370.58M
Total equity 3,164.10M 3,154.97M 3,394.63M 3,353.40M 3,337.75M
Operating cash flow 258.63M -38.69M -278.90M -23.40M 330.32M

Valuation Measures

Mar 2020
PER8.15
ROA0.18%
ROE2.86%
Operating margin17.38%
Profit margin12.14%

Key executives

  • President & Representative Director: Toru Yamasaki
  • Representative Director & GM-Totori Sales: Shinji Sugihara
  • Representative Director: Mutsuhito Kiyota
  • Director & Managing Executive Officer: Shuichi Ida
  • General Manager-Hyogo & Osaka Sales: Hideaki Furuyama

Shareholders

  • Nippon Value Investors KK (5.1%)
  • Nippon Life Insurance Co. (3.7%)
  • Dimensional Fund Advisors LP (3.6%)
  • The Vanguard Group, Inc. (2.7%)
  • Nomura Asset Management Co., Ltd. (2.1%)
  • San In Godo Bank Employee Stock Ownership Plan (2.1%)
  • Meiji Yasuda Life Insurance Co. (1.9%)
  • Dai-ichi Life Holdings, Inc. (1.9%)
  • Sumitomo Life Insurance Co. (1.9%)
  • Daiwa Asset Management Co. Ltd. (1.6%)

Contact Details

Related Companies

  • Gogin Securities Co. Ltd.
  • San-in Godo Bank Ltd. /Gogin Securities Business/
  • San-In Godo Bank Board Benefit Trust
  • San-in Godo Bank of Japan Ltd. Dalian Office
  • Gogin Guaranty Co. Ltd.
  • San in General Lease Co. Ltd.
  • Gogin Capital Co. Ltd.
  • San In Godo Bank Employee Stock Ownership Plan

Competitors

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