The Bank of Nagoya, Ltd.

The Bank of Nagoya, Ltd.

8522.T
The Bank of Nagoya, Ltd.JP flagTokyo Stock Exchange
6,500.00
JPY
-50.00
- -
319.78BMarket Cap
The Bank of Nagoya, Ltd.
8522.T
(Tokyo Stock Exchange)

Recent

price

6,500.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
1,028.78
998.31
944.36
943.04
905.14
956.92
990.36
1,013.87
1,068.99
1,094.31
1,198.57
1,369.95
1,364.25
1,768.85
1,809.49
2,032.1
980.96
Revenue per Share
57.67
34.02
101.36
88.62
109.44
117.9
101.11
102.71
109.41
82.22
197.41
216.42
161.31
198.04
298.91
412.05
111.64
Basic EPS, GAAP
-217.37
1,774.01
783.17
105.12
1,740.94
-458.8
-772.01
658.1
-1,809.3
-2,916.98
10,998.36
1,977.21
-6,578.43
1,541.55
4,407.11
2,772.89
- -
Free Cash Flow per Basic Share
23.31
21.65
21.66
21.65
21.69
23.34
23.47
23.41
23.31
23.41
23.32
25.24
46.79
47.24
70.33
103.07
- -
Dividend per Share
2,131.31
2,146.39
2,225.76
2,293.81
2,396.21
2,580.14
2,616.6
2,815.09
2,910.13
2,873.07
3,140.03
3,330.68
3,548.6
3,736.66
4,029.67
4,348.38
3,895.82
Book Value per Share
2,683.19
2,797.94
3,154.62
3,335.14
3,897.89
3,846.32
3,835.98
4,147.08
4,148.73
3,995.61
4,603.21
4,739.9
4,681.21
5,951.94
5,590.73
6,368.97
5,593.79
Tangible Book Value per Share
61
61
61
61
61
59
59
57
56
56
54
54
52
51
49
49
50
Basic Weighted Avg Shares
63,188
61,296
57,979
57,892
55,470
56,577
58,230
57,374
60,304
61,555
65,122
73,702
70,846
89,638
89,169
99,961
48,637
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,688
1,723
1,949
2,360
2,604
2,497
2,647
2,505
2,161
2,051
2,489
2,563
2,515
2,556
2,697
2,584
- -
Depreciation Expense
3,542
2,089
6,223
5,440
6,707
6,971
5,945
5,812
6,172
4,625
10,726
11,643
8,377
10,036
14,730
20,269
5,535
Net Income, GAAP
40.77
57.73
39.44
41.75
38.78
35.34
24.83
28.29
28.86
24.44
30.68
27.28
27.03
30.85
28.84
28.51
32.67
Effective Tax Rate (%)
5.61
3.41
10.73
9.4
12.09
12.32
10.21
10.13
10.23
7.51
16.47
15.8
11.82
11.2
16.52
20.28
11.38
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
24,993
31,325
24,653
27,266
44,379
47,935
67,766
88,439
92,792
90,956
573,184
704,557
348,701
392,577
379,178
378,865
389,939
LT Debt
164,924
172,658
195,409
206,886
240,978
229,432
227,589
236,650
235,732
226,663
253,254
257,694
245,326
303,346
276,528
313,888
278,706
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.73
1.59
4.64
3.92
4.66
4.66
3.88
3.71
3.82
2.84
6.46
6.66
4.61
5.37
7.59
9.83
2.91
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
50
- -
49
Market Capitalization
113,700
128,084
102,468

Working Capital

FRC

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
557,277
- -
784,771
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.59%
5.05%
13.51%
Free Cash Flow
-137.76%
-97.08%
-37.19%
Net Income, GAAP
18.07%
16.93%
37.6%
Sales/Revenue/Turnover
6.18%
9.48%
12.1%
Total Cash Common Dividend
- -
35.14%
46.28%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
18,467
22,534
29,112
19,525
89,638
2025
- -
- -
- -
- -
89,169
2026
- -
- -
- -
- -
99,961

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
57.5
- -
- -
- -
198.04
2025
- -
- -
- -
- -
298.91
2026
- -
- -
- -
- -
412.05

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
47.24
2025
- -
- -
- -
- -
70.33
2026
- -
- -
- -
- -
103.07
Business
The Bank of Nagoya, Ltd. is a regional Japanese bank primarily operating in Nagoya City and the greater Aichi Prefecture. Founded in 1949 and headquartered in Nagoya, Japan, the bank provides comprehensive financial services through its banking, leasing, and credit card business segments. Its core banking operations include deposits and loans; domestic and foreign exchange transactions; securities investments; trading of trading account securities; and underwriting and registration of corporate bonds. The leasing segment offers comprehensive finance leasing services, while the credit card segment handles credit card issuance and guarantee services. Additionally, the bank engages in clerical outsourcing, corporate bond registration, and various financial advisory services including inheritance tax planning and business succession support. In recent years, The Bank of Nagoya has implemented strategic adjustments focusing on reducing strategically held listed equity securities, aiming to improve capital efficiency and shareholder returns. It has revised its target timeline for strategic shareholding reduction from fiscal 2027 to fiscal 2030 to better align with market conditions and capital management goals. The bank also emphasizes expanding seamless financial services for personal and corporate clients, including fractional real estate investment products and enhanced automotive industry support leveraging its supply chain network. In May 2025, the bank revised its intermediate financial targets after originally meeting initial goals, reflecting an ongoing strategy to strengthen its consulting and solution-oriented business model in response to evolving customer needs. Overall, The Bank of Nagoya operates as a full-service regional bank offering a diversified range of financial products and services to retail customers, businesses, and corporate clients primarily within Japan, leveraging its strong local presence and expanding service capabilities to support sustainable growth and capital management objectives in the changing financial environment.