Growth Ratio Summary

Growth Score : 4.80

The company's growth ratios present a mixed outlook. Revenue growth is strong, indicating the company is expanding its sales and market presence. However, negative growth in operating profit, EPS, and net income raises concerns about profitability and operational efficiency. While asset growth is positive, the overall growth picture is inconsistent, suggesting the company needs to improve its ability to translate revenue growth into bottom-line profitability.

Financial Ratio Summary

Financial Score : 2.40

The company's financial ratios, including adjusted EPS, cash EPS, and book value per share, are low. This suggests the company has limited profitability and asset value relative to its share price. The dividend per share is also low, reflecting a limited return to shareholders. High capital expenditures may indicate investment in future growth, but also current financial strain. Overall, the financial ratios indicate areas of concern that need to be addressed.

Profitability Ratio Summary

Profitability Score : 6.80

The company's profitability ratios present a mixed performance. Strong returns on capital employed, equity, and net margin, but weak gross and operating margins, as well as a negative return on assets. High ROCE and ROE indicate effective use of capital and equity to generate profits for investors. However, negative gross and operating margins, along with a negative ROA, raise concerns about the company's operational efficiency and ability to generate profits from its assets. The company excels in some areas of profitability while struggling in others.

Efficiency Ratio Summary

Efficiency Score : 6.00

The company's efficiency ratios present a mixed picture. The fixed asset turnover ratio indicates effective use of fixed assets to generate revenue. However, the inventory and receivables turnover ratios reflect that the company does not hold inventory and does not have account receivables which is typical for banking sector. The capital turnover ratio is low, suggesting that the company is not generating a high level of sales relative to its capital investments. Improving capital turnover could enhance overall efficiency.

Coverage Ratio Summary

Coverage Score : 4.80

The company's coverage ratios indicate its ability to meet its interest and dividend obligations. The interest coverage ratio is low, suggesting the company has limited ability to cover its interest expenses with its earnings. A moderate equity dividend coverage ratio indicates an moderate ability to cover the dividends. These factors together suggest the company may face challenges in meeting its financial obligations.

Solvency Ratio Summary

Solvency Score : 2.80

The company's solvency position is concerning, primarily due to high debt levels. The debt ratio and debt-to-equity ratio are elevated, indicating a significant reliance on debt financing. While the debt-to-asset ratio is moderate, the low equity ratio suggests that a large portion of the company's assets are financed by debt rather than equity. This makes the company vulnerable to financial distress if it experiences a downturn in earnings or an increase in interest rates.

Liquidity Ratio Summary

Liquidity Score : 9.60

The company's liquidity is strong, suggesting it can comfortably meet its short-term obligations. High current and quick ratios indicate a substantial cushion of liquid assets. A high cash ratio further supports this, reflecting a strong ability to cover immediate liabilities. However, the operating cash flow ratio, while positive, could be improved to ensure sustainable liquidity from operations. This indicates a robust short-term financial health, essential for managing day-to-day operations and unexpected expenses.