Growth Ratio Summary

Growth Score : 8.00

The company demonstrates solid growth, driven by strong increases in operating profit, earnings per share, asset growth, and net income. However, the lack of revenue growth is a concern. The balanced growth across multiple metrics suggests a sustainable upward trajectory. While the lack of revenue growth needs attention, the company's ability to increase profits and net income is a positive sign.

Financial Ratio Summary

Financial Score : 10.00

The company demonstrates excellent financial health, with high scores across all financial metrics, indicating strong earnings per share, book value, and dividend payments. This signifies a robust financial performance and value creation for shareholders. The company's financial strength is reflected in its ability to generate substantial earnings and provide attractive returns to investors.

Profitability Ratio Summary

Profitability Score : 5.60

The profitability ratios present a mixed performance. While the returns on capital employed and equity are reasonably high, the low gross profit, operating, and net margins are concerning. The low return on assets also indicates inefficient asset utilization. The company appears to be generating profits from its capital but struggles to convert revenue into profit efficiently.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency ratios present a mixed picture. While some ratios like 'Days Sales in Inventory Ratio' and 'Receivable Days' are efficient, others like 'Fixed Asset Turnover Ratio', 'Inventory Turnover Ratio', 'Receivables Turnover Ratio', and 'Capital Turnover Ratio' are low, suggesting potential inefficiencies in asset utilization and revenue generation. This indicates that the company may not be maximizing the use of its assets to generate sales, which could impact overall profitability.

Coverage Ratio Summary

Coverage Score : 10.00

The company exhibits excellent coverage ratios, with very high scores for both interest and equity dividend coverage, indicating a strong ability to meet its interest and dividend obligations. This suggests financial stability and security for investors. The high coverage ratios reflect prudent financial management and a strong capacity to handle financial commitments.

Solvency Ratio Summary

Solvency Score : 10.00

The company exhibits excellent solvency, with high scores across all metrics, indicating a strong financial structure and low risk of long-term financial distress. This is a positive indicator for stakeholders, suggesting the company is well-capitalized and has a solid foundation for sustained operations. The company's reliance on equity rather than debt contributes to its stability and financial health.

Liquidity Ratio Summary

Liquidity Score : 2.00

The company's liquidity position is weak, as indicated by the low scores across all liquidity metrics. This suggests potential difficulties in meeting short-term obligations. Although the ratios have been consistently low over the past few years, indicating a stable but concerning trend, the financial services sector requires careful management of liquid assets. While maintaining low liquidity may free up capital for investments, it also increases the company's vulnerability to unforeseen financial demands.