Growth Ratio Summary

Growth Score : 5.00

The company demonstrates strong growth, particularly in revenue, EPS, assets, and net income. This indicates successful expansion and market penetration. However, the operating profit growth rate is a concern, suggesting potential inefficiencies in managing operating expenses. Overall, the growth trajectory is positive, driven by robust top-line and bottom-line performance.

Financial Ratio Summary

Financial Score : 2.00

The company's financial ratios present a mixed picture. Dividend per share and capital expenditures are strong, enhancing shareholder value and operational capabilities. However, adjusted EPS, cash EPS, and book value per share are low, indicating areas of concern. These inconsistencies suggest a need for improved earnings management and asset valuation.

Profitability Ratio Summary

Profitability Score : 5.00

The company demonstrates strong profitability, supported by healthy gross profit, ROCE, ROE, operating margin, and net margin. These metrics indicate efficient operations and effective cost management. However, the return on assets is relatively low, suggesting potential inefficiencies in asset utilization. Overall, the profitability ratios reflect a financially healthy and efficient organization.

Efficiency Ratio Summary

Efficiency Score : 1.00

The company's efficiency is generally weak, indicating it is not effectively utilizing its assets to generate revenue. The turnover ratios are low, which suggests assets are not being fully optimized. This could lead to missed opportunities and lower profitability. However, days sales in inventory and receivable days are well managed, indicating strengths in these areas.

Coverage Ratio Summary

Coverage Score : 5.00

The company exhibits excellent coverage ratios, indicating a strong ability to meet its interest and dividend obligations. This provides financial stability and reduces the risk of financial distress. The interest coverage and equity dividend coverage ratios reflect a financially sound position.

Solvency Ratio Summary

Solvency Score : 5.00

The company exhibits strong solvency, indicating a solid financial structure and ability to meet long-term obligations. A balanced approach to debt and equity ensures financial stability. This provides a cushion against financial distress and supports sustainable growth. The company's solvency ratios reflect a financially sound position.

Liquidity Ratio Summary

Liquidity Score : 2.00

The company's liquidity position is weak, indicating potential difficulties in meeting short-term obligations. This is due to the consistently low values across all liquidity metrics. While a non-bank financial institution may have different liquidity needs compared to other sectors, the absence of liquid assets raises concerns about immediate operational flexibility and financial resilience.