Growth Ratio Summary

Growth Score : 10.00

The growth ratios demonstrate robust growth across multiple dimensions. Strong revenue growth, combined with significant increases in operating profit and earnings per share, indicates a healthy and expanding business. Asset and net income growth further confirm this positive trend. The company is successfully growing its operations and profitability.

Financial Ratio Summary

Financial Score : 2.80

The financial ratios present a mixed view of the company's financial performance. Low adjusted EPS and book value per share are concerns. While the cash EPS is better, the dividend per share is not very high. The high capital expenditures need to be justified by future returns. The company needs to improve its earnings and asset management to enhance financial health.

Profitability Ratio Summary

Profitability Score : 9.20

The profitability ratios indicate strong performance in several areas. A low gross profit margin is a concern. However, strong return on capital employed (ROCE), return on equity (ROE), and operating and net margins are positive signs. The company is generally effective at generating profits from its operations and investments. However, it needs to improve its gross profit margin to enhance overall profitability.

Efficiency Ratio Summary

Efficiency Score : 5.67

The efficiency ratios present a mixed picture of how well the company uses its assets. A good fixed asset turnover ratio indicates efficient use of fixed assets in generating revenue. However, poor inventory and capital turnover ratios suggest inefficiencies. The company does not hold inventory and the receivables turnover ratio and receivable days are zero. The company effectively manages sales, but needs to improve its overall asset utilization to enhance efficiency.

Coverage Ratio Summary

Coverage Score : 6.40

The coverage ratios reflect the company's ability to meet its interest and dividend obligations. A low interest coverage ratio suggests the company might face challenges in covering its interest payments. However, a high equity dividend coverage ratio indicates a strong capacity to cover dividend payouts. The company needs to balance its debt and dividend policies to ensure it can comfortably meet its obligations.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency ratios indicate a high level of debt, which creates risk. The high debt and debt-to-equity ratios suggest that the company relies heavily on borrowing rather than equity financing. While leverage can amplify returns, it increases financial risk. A slightly better debt-to-asset ratio provides some balance, but overall, the company needs to manage its debt carefully to ensure long-term financial stability.

Liquidity Ratio Summary

Liquidity Score : 8.40

The liquidity position is generally strong, suggesting the company has a substantial capacity to meet its immediate financial obligations. High current and quick ratios indicate ample liquid assets. A strong cash ratio further supports this, but a low operating cash flow ratio is a concern. While the bank's current assets easily cover its current liabilities, the negative operating cash flow suggests potential challenges in generating cash from its core operations.