Resona Holdings, Inc. (RSNHF)
ValueMarkers Composite Index
83% above intrinsic value ($0)
Resona Holdings, Inc. (RSNHF) — VMCI valuation read
Headline read on RSNHF: VMCI of 59/100 versus a Financial Services sector median of 50. The 9-point above-median position is what makes Resona Holdings, Inc. a relative-value candidate in the mid-cap cohort, before any pillar-level review.
Form 4 filings on RSNHF: zero in the trailing 30 days. The absence of insider transactions is itself a data point, just a low-information one. The thesis runs on financials and price action until that changes.
**Investor frame.** Three reads on RSNHF: value (RSNHF trades at 17.0x earnings, 6% below the Financial Services median of 18.0x), quality (ROIC of 15.0% sits 5.0pp above the Financial Services median (10.0%)), and risk (net debt to EBITDA of 0.6x leaves covenant headroom). The value read also implies an EV/EBITDA gap of +4.0x against the Financial Services 12.0x baseline.
RSNHF fell 2.1% over the trailing 7 days, with a -11.9% read on a 30-day basis.
Resona Holdings, Inc., through its subsidiaries, provides retail and commercial banking products and services in Japan and internationally. The company offers banking and investment management services. It also offers trust banking, credit guarantee, and retail loans to individuals and small and medium-sized enterprises accounts. In addition, the company engages in the private equity businesses; collection of bills and receivables, factoring, credit card administration, business process outsourcing services, and placement services; and provision of business consulting, business process outsourcing, leasing, and system development services. It serves individuals and corporate customers. As of March 31, 2022, the company operated 815 branches. Resona Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.
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