CCRDF:OTC-Concordia Financial Group, Ltd (USD)

COMMON STOCK | Other | OTC

Last Closing Price

USD 4.10

Change

0.00 (0.00)%

Market Cap

USD 7.42B

Average Target Price

N/A
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Concordia Financial Group, Ltd., through its subsidiaries, provides various banking products and services to individual and corporate customers. It offers deposit products, including current, ordinary, savings, time, and other deposits, as well as deposits at notice. The company also provides loans to small- and medium-sized businesses and personal housing loans. Its products and services also include securities services; leasing and factoring services; consulting, conducting surveys researches, and other information services; investment trust management; investments in small and medium-sized enterprises; residential-loan-guarantee services; employment placement; real estate management and appraisal; back office services; cash dispenser control; credit card services; and business parcel delivery services. The company operates through as network of branches, sub-branches, and ATMs in Japan and internationally. Concordia Financial Group, Ltd. was founded in 2016 and is headquartered in Tokyo, Japan.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-04-09 )

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ETFs Containing CCRDF

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Other)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 34.43% 65% D 65% D
Dividend Return N/A N/A N/A N/A N/A
Total Return 34.43% 65% D 65% D
Trailing 12 Months  
Capital Gain 36.67% 56% F 40% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 36.67% 55% F 38% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -1.85% 30% F 30% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -1.85% 29% F 28% F
Risk Return Profile  
Volatility (Standard Deviation) 14.43% 63% D 86% B
Risk Adjusted Return -12.84% 34% F 26% F
Market Capitalization 7.42B 92% A- 86% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Other)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 15.40 51% F 52% F
Price/Book Ratio 7.59 28% F 20% F
Price / Cash Flow Ratio N/A N/A N/A N/A N/A
EV/EBITDA 11.90 24% F 30% F
Management Effectiveness  
Return on Equity N/A N/A N/A N/A N/A
Return on Invested Capital 1.74% 31% F 51% F
Return on Assets N/A N/A N/A N/A N/A
Debt to Equity Ratio 72.37% 30% F 25% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta N/A N/A N/A N/A N/A
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.