Growth Ratio Summary

Growth Score : 10.00

The growth ratios demonstrate strong performance across all key metrics. High revenue, operating profit, EPS, asset, and net income growth rates indicate robust expansion and profitability. This reflects successful business strategies and effective execution. Maintaining these growth rates will be crucial for sustaining long-term financial success. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.

Financial Ratio Summary

Financial Score : 2.40

The financial ratios indicate areas needing attention. Low adjusted EPS, cash EPS, and book value per share suggest limited profitability and asset value per share. A dividend per share of zero reflects that the company isn't distributing dividends. Capital expenditures are also relatively low. Improving these metrics could enhance investor confidence and overall financial strength. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.

Profitability Ratio Summary

Profitability Score : 9.20

The profitability ratios reflect strong performance. High gross profit, ROCE, ROE, operating, and net margins indicate efficient operations and effective cost management. However, a low ROA suggests that the company is not generating substantial profits from its assets. Overall, the company demonstrates strong profitability, but there is room to improve asset utilization. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.

Efficiency Ratio Summary

Efficiency Score : 7.33

The efficiency ratios present a mixed picture. Strong fixed asset and receivables turnover ratios suggest effective asset utilization and credit management. However, the lack of inventory turnover and a low capital turnover ratio indicate potential inefficiencies in inventory and capital deployment. Overall, the company demonstrates good efficiency in certain areas but needs to improve in others to optimize resource utilization. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.

Coverage Ratio Summary

Coverage Score : 3.20

The coverage ratios reveal potential vulnerabilities. A low-interest coverage ratio suggests a limited ability to cover interest expenses from earnings. The equity dividend coverage ratio of zero indicates that the company does not cover dividends with equity, which is common if no dividends are paid. Improving the interest coverage ratio is crucial for reducing financial risk. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency ratios indicate a highly leveraged financial structure for Fedbank Financial Services. High debt and debt-to-equity ratios suggest significant reliance on debt financing, increasing financial risk. The equity ratio is low, reflecting a smaller proportion of equity compared to debt. While the debt-to-asset ratio is relatively under control, the overall solvency position warrants careful monitoring to ensure long-term financial stability. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.

Liquidity Ratio Summary

Liquidity Score : 8.40

The company's liquidity position is complex. While current, quick, and cash ratios suggest a strong ability to meet short-term obligations, negative operating cash flow ratios raise concerns about the sustainability of this liquidity. The high current and quick ratios suggest the company has sufficient liquid assets. However, reliance on external funding to maintain liquidity may pose risks, particularly if market conditions become unfavorable. This ratio has been calculated using a weighted average of the last five years, with the most recent year weighted most heavily.