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J Trust

BST:4JT
Snowflake Description

Adequate balance sheet and overvalued.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
4JT
BST
¥43B
Market Cap
  1. Home
  2. DE
  3. Diversified Financials
Company description

J Trust Co., Ltd., through its subsidiaries, provides various financial services in Japan, South Korea, and the Southeast Asia. The last earnings update was 94 days ago. More info.


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4JT Share Price and Events
7 Day Returns
0.6%
BST:4JT
-1%
Europe Consumer Finance
2.2%
DE Market
1 Year Returns
-29.1%
BST:4JT
-23.5%
Europe Consumer Finance
8.2%
DE Market
4JT Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
J Trust (4JT) 0.6% -0.6% -1.3% -29.1% - -
Europe Consumer Finance -1% 3.2% -0% -23.5% -43% -34.7%
DE Market 2.2% 6% 12.4% 8.2% 14.9% 24%
1 Year Return vs Industry and Market
  • 4JT underperformed the Consumer Finance industry which returned -23.5% over the past year.
  • 4JT underperformed the Market in Germany which returned 8.2% over the past year.
Price Volatility
4JT
Industry
5yr Volatility vs Market
Related Companies

Sorry, no analysis for J Trust's competitors could be found in our database.

Value

 Is J Trust undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for J Trust. This is due to cash flow or dividend data being unavailable. The share price is €3.22.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for J Trust's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are J Trust's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
BST:4JT PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in JPY ¥-338.68
TSE:8508 Share Price ** TSE (2019-11-08) in JPY ¥405
Europe Consumer Finance Industry PE Ratio Median Figure of 28 Publicly-Listed Consumer Finance Companies 11.68x
Germany Market PE Ratio Median Figure of 403 Publicly-Listed Companies 19.76x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of J Trust.

BST:4JT PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= TSE:8508 Share Price ÷ EPS (both in JPY)

= 405 ÷ -338.68

-1.2x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • J Trust is loss making, we can't compare its value to the Europe Consumer Finance industry average.
  • J Trust is loss making, we can't compare the value of its earnings to the Germany market.
Price based on expected Growth
Does J Trust's expected growth come at a high price?
Raw Data
BST:4JT PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -1.2x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
Not available
Europe Consumer Finance Industry PEG Ratio Median Figure of 19 Publicly-Listed Consumer Finance Companies 0.75x
Germany Market PEG Ratio Median Figure of 258 Publicly-Listed Companies 1.36x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for J Trust, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on J Trust's assets?
Raw Data
BST:4JT PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in JPY ¥963.52
TSE:8508 Share Price * TSE (2019-11-08) in JPY ¥405
Europe Consumer Finance Industry PB Ratio Median Figure of 42 Publicly-Listed Consumer Finance Companies 1.24x
Germany Market PB Ratio Median Figure of 576 Publicly-Listed Companies 1.82x
BST:4JT PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= TSE:8508 Share Price ÷ Book Value per Share (both in JPY)

= 405 ÷ 963.52

0.42x

* Primary Listing of J Trust.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • J Trust is good value based on assets compared to the Europe Consumer Finance industry average.
X
Value checks
We assess J Trust's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. J Trust has a total score of 1/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is J Trust expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as J Trust has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by Simply Wall St do have past financial data. You can see them here.

Show me the analysis anyway

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
16.3%
Expected Consumer Finance industry annual growth in earnings.
Earnings growth vs Low Risk Savings
Is J Trust expected to grow at an attractive rate?
  • Unable to compare J Trust's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
  • Unable to compare J Trust's earnings growth to the Germany market average as no estimate data is available.
  • Unable to compare J Trust's revenue growth to the Germany market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
BST:4JT Future Growth Rates Data Sources
Data Point Source Value (per year)
Europe Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 16.3%
Europe Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 10.3%
Germany Market Earnings Growth Rate Market Cap Weighted Average 12.6%
Germany Market Revenue Growth Rate Market Cap Weighted Average 4.7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
BST:4JT Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in JPY Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
BST:4JT Future Estimates Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
BST:4JT Past Financials Data
Date (Data in JPY Millions) Revenue Cash Flow Net Income *
2019-06-30 75,826 -1,562 -35,213
2019-03-31 74,935 18,831 -33,320
2018-12-31 64,544 19,080 -31,370
2018-09-30 71,430 -941 -3,071
2018-06-30 73,302 -6,959 -1,453
2018-03-31 76,266 4,581 -1,407
2017-12-31 86,657 -10,218
2017-09-30 86,307 -22,525 58
2017-06-30 84,876 -7,387
2017-03-31 85,031 -14,434 -9,876
2016-12-31 82,800 -4,345
2016-09-30 77,835 -5,132 -11,057

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Unable to determine if J Trust is high growth as no earnings estimate data is available.
  • Unable to determine if J Trust is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
BST:4JT Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from J Trust Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BST:4JT Future Estimates Data
Date (Data in JPY Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
BST:4JT Past Financials Data
Date (Data in JPY Millions) EPS *
2019-06-30 -338.68
2019-03-31 -322.70
2018-12-31 -304.50
2018-09-30 -29.81
2018-06-30 -14.11
2018-03-31 -13.66
2017-12-31 -99.23
2017-09-30 0.56
2017-06-30 -70.94
2017-03-31 -92.82
2016-12-31 -39.98
2016-09-30 -99.48

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if J Trust will efficiently use shareholders’ funds in the future without estimates of Return on Equity.

Next steps:

  1. Examine J Trust's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  2. J Trust's future outlook can be gauged by looking at industry trends and market size, and determining how well-positioned the company is compared to its competitors. Take a look at other high-growth Diversified Financials companies here
  3. J Trust's competitive advantages and company strategy can generally be found in its financial reports archived here.
  4. Use fundamentals to screen for another stock to analyse from our database of over 75,000 companies worldwide
X
Future performance checks
We assess J Trust's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the Europe market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Europe market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
J Trust has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has J Trust performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare J Trust's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • J Trust does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare J Trust's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare J Trust's 1-year growth to the Europe Consumer Finance industry average as it is not currently profitable.
Earnings and Revenue History
J Trust's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from J Trust Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BST:4JT Past Revenue, Cash Flow and Net Income Data
Date (Data in JPY Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 75,826.00 -35,213.00 27,892.00
2019-03-31 74,935.00 -33,320.00 27,040.00
2018-12-31 64,544.00 -31,370.00 25,119.00
2018-09-30 71,430.00 -3,071.00 23,924.00
2018-06-30 73,302.00 -1,453.00 23,801.00
2018-03-31 76,266.00 -1,407.00 23,877.00
2017-12-31 86,657.00 -10,218.00 29,049.00
2017-09-30 86,307.00 58.00 32,390.00
2017-06-30 84,876.00 -7,387.00 39,857.00
2017-03-31 85,031.00 -9,876.00 43,437.00
2016-12-31 82,800.00 -4,345.00 39,932.00
2016-09-30 77,835.00 -11,057.00 40,597.00
2016-06-30 76,495.00 -3,633.00 35,618.00
2016-03-31 75,478.00 -5,712.00 37,126.00
2015-12-31 73,108.00 10,240.00 36,682.00
2015-09-30 69,080.00 11,577.00 36,038.00
2015-06-30 66,843.00 7,749.00 38,520.00
2015-03-31 63,281.00 10,143.00 35,543.00
2014-12-31 66,029.00 7,418.00 35,647.00
2014-09-30 65,060.00 6,247.00 30,287.00
2014-06-30 63,309.00 8,745.00 26,635.00
2014-03-31 61,926.00 11,145.00 24,305.00
2013-12-31 59,045.00 3,007.00 22,648.00
2013-09-30 60,071.00 7,008.00 24,260.00
2013-06-30 60,361.00 11,323.00 21,604.00
2013-03-31 55,683.00 13,309.00 19,526.00
2012-12-31 47,917.00 14,397.00 18,051.00

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • It is difficult to establish if J Trust has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if J Trust has efficiently used its assets last year compared to the Europe Consumer Finance industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if J Trust improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess J Trust's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
J Trust has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is J Trust's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up J Trust's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • J Trust is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • J Trust's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of J Trust's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 6.9x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from J Trust Company Filings, last reported 4 months ago.

BST:4JT Past Debt and Equity Data
Date (Data in JPY Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 109,682.00 82,557.00 60,796.00
2019-03-31 110,727.00 86,002.00 88,329.00
2018-12-31 111,032.00 92,312.00 88,599.00
2018-09-30 144,124.00 87,653.00 76,053.00
2018-06-30 144,425.00 80,860.00 82,844.00
2018-03-31 150,775.00 78,727.00 84,931.00
2017-12-31 157,866.00 83,259.00 85,230.00
2017-09-30 159,343.00 78,069.00 78,766.00
2017-06-30 156,603.00 74,941.00 88,120.00
2017-03-31 151,662.00 56,283.00 131,631.00
2016-12-31 168,478.00 52,490.00 121,798.00
2016-09-30 147,958.00 52,455.00 126,311.00
2016-06-30 164,557.00 56,097.00 122,267.00
2016-03-31 168,655.00 53,106.00 133,969.00
2015-12-31 174,399.00 51,566.00 149,867.00
2015-09-30 177,944.00 50,896.00 142,953.00
2015-06-30 189,885.00 42,274.00 172,244.00
2015-03-31 194,864.00 29,455.00 159,616.00
2014-12-31 183,057.00 26,971.00 161,046.00
2014-09-30 178,045.00 27,444.00 172,608.00
2014-06-30 181,194.00 40,125.00 148,499.00
2014-03-31 184,228.00 43,760.00 143,022.00
2013-12-31 171,377.00 21,597.00 177,307.00
2013-09-30 170,213.00 40,528.00 183,319.00
2013-06-30 73,202.00 40,539.00 69,728.00
2013-03-31 70,894.00 40,058.00 62,928.00
2012-12-31 70,142.00 42,336.00 73,808.00
  • J Trust's level of debt (75.3%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (22.1% vs 75.3% today).
CASH RUNWAY ANALYSIS

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

  • J Trust has sufficient cash runway for more than 3 years based on current free cash flow.
  • J Trust has sufficient cash runway for more than 3 years if free cash flow continues to reduce at historical rates of -76.8% each year.
X
Financial health checks
We assess J Trust's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. J Trust has a total score of 4/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is J Trust's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.49%
Current annual income from J Trust dividends.
If you bought €2,000 of J Trust shares you are expected to receive €10 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • J Trust's pays a lower dividend yield than the bottom 25% of dividend payers in Germany (1.44%).
  • J Trust's dividend is below the markets top 25% of dividend payers in Germany (3.65%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
BST:4JT Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
Europe Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 24 Stocks 4.6%
Germany Market Average Dividend Yield Market Cap Weighted Average of 334 Stocks 2.9%
Germany Minimum Threshold Dividend Yield 10th Percentile 0.8%
Germany Bottom 25% Dividend Yield 25th Percentile 1.4%
Germany Top 25% Dividend Yield 75th Percentile 3.6%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

BST:4JT Future Dividends Estimate Data
Date (Data in ¥) Dividend per Share (annual) Avg. No. Analysts
BST:4JT Past Annualized Dividends Data
Date (Data in ¥) Dividend per share (annual) Avg. Yield (%)
2019-06-27 2.000 0.473
2019-05-13 2.000 0.410
2019-02-14 12.000 2.992
2018-11-13 12.000 2.626
2018-06-28 12.000 1.656
2018-05-14 12.000 1.349
2018-02-13 12.000 1.705
2017-11-13 12.000 1.598
2017-06-29 12.000 1.341
2017-05-12 12.000 1.448
2017-02-13 12.000 1.196
2016-11-11 12.000 1.078
2016-06-30 12.000 1.519
2016-05-13 12.000 1.404
2016-02-12 10.000 1.177
2015-11-13 10.000 1.075
2015-06-29 10.000 0.980
2015-05-14 10.000 0.806
2015-02-13 10.000 0.917
2015-02-12 10.000 0.988
2014-11-14 10.000 0.981
2014-11-13 10.000 0.976
2014-06-27 10.000 0.864
2014-05-14 10.000 0.800
2014-02-14 10.000 0.827
2014-02-13 10.000 0.920
2013-11-14 10.000 0.765
2013-11-13 10.000 0.772
2013-08-09 10.000 0.593
2013-06-28 8.000 0.408
2013-05-14 10.000 0.465
2013-02-13 7.000 0.289
2013-02-12 7.000 0.425
2012-11-13 7.000 0.503
2012-11-08 7.000 0.612
2012-08-09 7.000 0.798
2012-05-10 7.000 0.972
2012-02-09 6.000 0.931
2011-11-10 6.000 2.387
2011-08-11 6.000 2.990
2011-06-30 6.000 3.547
2011-05-12 6.000 3.881
2011-02-10 5.000 2.510
2010-11-11 5.000 2.980
2010-08-12 5.000 3.339
2010-06-30 5.000 4.671
2010-05-13 5.000 4.238
2010-02-15 5.000 4.000
2010-02-12 5.000 3.766
2009-11-13 5.000 4.019
2009-11-12 5.000 3.629
2009-08-12 2.500 2.393
2009-08-07 2.500 1.861
2009-06-29 1.500 1.094
2009-02-12 0.500 1.137
2008-11-13 0.500 1.877

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • J Trust is not paying a notable dividend for Germany, therefore no need to check if the payments are stable.
  • J Trust is not paying a notable dividend for Germany, therefore no need to check if the payments are increasing.
Current Payout to shareholders
What portion of J Trust's earnings are paid to the shareholders as a dividend.
  • No need to calculate the sustainability of J Trust's dividends as it is not paying a notable one for Germany.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess J Trust's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can J Trust afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. J Trust has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of J Trust's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Nobuyoshi Fujisawa
AGE 49
TENURE AS CEO 8.4 years
CEO Bio

Mr. Nobuyoshi Fujisawa has been the President and Chief Executive Officer at J Trust Co., Ltd. since June 2011. Mr. Fujisawa has been Managing Director at J Trust Asia PTE. Ltd. since October 2013 and serves as its Chief Executive Officer. He has been President of NLHD Co., Ltd. since March 2009 and served as its Chief Executive Officer. He served as Chief Executive Officer of JT Investment Co., Ltd. and served as its President since July 2009. He served as the President and Chief Executive Officer of Next Japan Holdings Co., Ltd. since October 2008. He served as Supreme Advisor of J Trust Co., Ltd. since October 2010. Mr. Fujisawa served as Vice President of CROSS CEED Co., Ltd.(formerly, Livedoor Credit Co., Ltd., Kazaka Finance Corporation) since joining it in September 2005 and served as its President & Chief Executive Officer since October 2005. He served as an Advisor of Kabushiki Kaisha Ikko since April 2008. He Joined B Japan Co., Ltd. in June 2001 and Workout Saiken Kaishuu KK (formerly, Livedoor Saiken Kaishuu KK) in March 2002. He served as the Managing Director of Workout Saiken Kaishuu KK since June 2002. He has been Chairman of Kabushiki Kaisha Ikko since June 2008. He has been the Chairman of Chinae Savings Bank Co., Ltd. since January 2014 and MacGregor Golf Japan Co., Ltd. since January 2010. He has been Chairman of Adores Inc. (Adores Co., Ltd.) since May 2011 and has been its Director since June 2010. He served as the Chairman of Partir Servicer Co., Ltd. (formerly, Kazaka Servicer Co., Ltd.) since August 2007 and served as its Representative Director since October 2005. He served as the Chairman of J Trust Co., Ltd. from June 2008 to October 2010. He has been Representative Director of NLHD Co., Ltd. since March 2009. He has been a Director of Maswork Corporation since June 2008 and Cecil Credit Services KK since October 2005. He has been Representative Director of Phlox Co., Ltd. since July 2008. He has been a Representative Director of J Trust Co., Ltd. since October 2010. He served as Representative Director of Turn around Servicer (formerly, Livedoor Servicer Co., Ltd.) since September 2005 and JT Investment Co., Ltd. (formerly, Neoline Holdings Co., Ltd.) since July 2009. He served as an Executive Director of LCD Global Investments Ltd. from September 25, 2014 to March 12, 2015. He served as Representative Director of Phlox Card Co., Ltd. (formerly, Livedoor Factoring Co., Ltd.) since October 2005. He served as Director of Keynote Co., Ltd. (formerly, Mass Work Co., Ltd.) since June 2008. He served as a Representative Director of J Trust Co., Ltd.(formerly, Next Japan Holdings Co., Ltd.) from June 2008 to October 2010. He served as an Outside Director of NIS Group Co., Ltd. from August 25, 2010 to June 28, 2011. He served as Representative Director of Be Japan Co., Ltd. since July 2003 and Workout Saiken Kaishuu KK September 2005. He previously served as a Director of Livedoor Credit Co., Ltd. since September 2005 and Be Japan Co., Ltd. (B Japan Co., Ltd.) since September 2002. Mr. Fujisawa has been a Member of Revival Asset Management 1 Limited Partnership for Investment union since September 2008. He has a Bachelor's Degree from the Graduate School of Medicine and Faculty of Medicine, University of Tokyo.

CEO Compensation
  • Insufficient data for Nobuyoshi to compare compensation growth.
  • Insufficient data for Nobuyoshi to establish whether their remuneration is reasonable compared to companies of similar size in Germany.
Management Team Tenure

Average tenure and age of the J Trust management team in years:

6.4
Average Tenure
52
Average Age
  • The average tenure for the J Trust management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Nobuyoshi Fujisawa

TITLE
CEO, President & Representative Director
AGE
49
TENURE
8.4 yrs

Ryuichi Atsuta

TITLE
MD. Executive Officer
AGE
55
TENURE
2.4 yrs

Taiji Hitachi

TITLE
Executive Officer
AGE
43
TENURE
6.4 yrs

Hidehiko Hombu

TITLE
Deputy General Manager of PR & IR Division

Nobuiku Chiba

TITLE
Senior Managing Executive Officer & Representative Director
AGE
46
TENURE
8.4 yrs

Yukihiro Nishikawa

TITLE
Executive Officer
AGE
47

Nobiru Adachi

TITLE
Senior MD
AGE
61
TENURE
6.4 yrs

Yoshihide Iimori

TITLE
Executive Officer
AGE
63
TENURE
4 yrs

Fumio Iguchi

TITLE
Director
AGE
63

Keiichi Shimamura

TITLE
Assistant Manager of Finance Department
Board of Directors Tenure

Average tenure and age of the J Trust board of directors in years:

4.4
Average Tenure
58
Average Age
  • The tenure for the J Trust board of directors is about average.
Board of Directors

Nobuyoshi Fujisawa

TITLE
CEO, President & Representative Director
AGE
49
TENURE
11.4 yrs

Ryuichi Atsuta

TITLE
MD. Executive Officer
AGE
55
TENURE
2.4 yrs

Taiji Hitachi

TITLE
Executive Officer
AGE
43
TENURE
6.4 yrs

Nobuiku Chiba

TITLE
Senior Managing Executive Officer & Representative Director
AGE
46
TENURE
4.4 yrs

Yukihiro Nishikawa

TITLE
Executive Officer
AGE
47
TENURE
3.4 yrs

Nobiru Adachi

TITLE
Senior MD
AGE
61
TENURE
5.4 yrs

Yoshihide Iimori

TITLE
Executive Officer
AGE
63
TENURE
3.4 yrs

Fumio Iguchi

TITLE
Director
AGE
63
TENURE
0.4 yrs

Norio Igarashi

TITLE
Outside Director
AGE
79
TENURE
5.4 yrs

Masaaki Uchino

TITLE
Member of the Advisory Board
AGE
74
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (€) Value (€)
X
Management checks
We assess J Trust's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. J Trust has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

J Trust Co., Ltd., through its subsidiaries, provides various financial services in Japan, South Korea, and the Southeast Asia. The company provides credit guarantees; collection of accounts receivables; credit and consumer credit services; savings bank services; installment loan and leasing; and IT systems. It is also involved in the planning and production of live entertainment contents; production of TV programs; and performing arts production activities. In addition, the company engages in the sale and brokerage of real estate; property asset business; renovation of existing housing; and commercial facility construction activities. J Trust Co., Ltd. was founded in 1977 and is headquartered in Tokyo, Japan.

Details
Name: J Trust Co., Ltd.
4JT
Exchange: BST
Founded: 1977
¥356,214,995
105,871,372
Website: http://www.jt-corp.co.jp
Address: J Trust Co., Ltd.
Toranomon First Garden 1-7-12,
Toranomon,
Tokyo,
105-0001,
Japan
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
TSE 8508 Common Stock The Tokyo Stock Exchange JP JPY 08. Sep 1998
BST 4JT Common Stock Boerse-Stuttgart DE EUR 08. Sep 1998
Number of employees
Current staff
Staff numbers
3,324
J Trust employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/11/11 21:41
End of day share price update: 2019/11/08 00:00
Last estimates confirmation: 2019/05/13
Last earnings filing: 2019/08/09
Last earnings reported: 2019/06/30
Last annual earnings reported: 2019/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.