On the stock market since 2022, it operates in the world of money and finance. Now — the numbers.
This is an established company with proven profits.
Average growth of 6% a year over the last 4 years. Every year shown ended in profit.
Executive selling isn’t always bad news; people sell for personal reasons too. Still, the thin buying side is worth noting.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Clearly below the class average.
Clearly below the class average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
Growth: Sales growth trails the sector average.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 37% — still a thick cushion, though costs have been eating into it lately.
It pays out $2.00 per share each year — regular cash for whoever holds the stock.
Over the last 12 months, executives reported 12 sells against just 3 buys. Not an alarm bell by itself, but a number worth watching.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 17/100.
The growth engine is running at low revs right now. Report-card grade: 31/100.
On our five-subject report card, SAJ sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: SAJ is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s what that quality should cost.