Growth Ratio Summary

Growth Score : 4.00

The company's growth ratios present a mixed outlook. While revenue growth shows a positive trend, declines in operating profit, EPS, and asset growth raise concerns. The revenue growth rate is positive, indicating an increase in sales. However, the decline in operating profit and EPS growth suggests potential issues with profitability and efficiency. The negative asset growth rate might indicate a contraction in the company's asset base. Overall, the company needs to address these inconsistencies to ensure sustainable growth.

Financial Ratio Summary

Financial Score : 4.00

The company's financial ratios show varied performance. The adjusted EPS, book value per share, and dividend per share are low, while cash EPS is moderate, and capital expenditures are well-managed. The presence of capital expenditures is a positive sign, as it indicates investments in future growth. Overall, the company's financial ratios suggest a need for improvement in earnings and shareholder value.

Profitability Ratio Summary

Profitability Score : 7.20

The company's profitability ratios are strong, indicating efficient operations and good returns on assets. The gross profit margin, ROCE, ROA, and operating margin all reflect the company's ability to generate profits from its sales and assets. However, the net margin and ROE are very low, suggesting that the company needs to improve its bottom-line profitability. Overall, the company's profitability ratios indicate a solid foundation with potential for further improvement.

Efficiency Ratio Summary

Efficiency Score : 4.67

The company's efficiency ratios present a mixed picture. Days sales in inventory and receivable days indicate efficient handling, but low turnover ratios for fixed assets and capital suggest underutilization. The high values for days sales in inventory and receivable days are potentially misleading since the company reports zero values for inventory and receivables turnover. While the company seems to manage its assets effectively in some areas, improvements could be made in optimizing the use of fixed assets and overall capital to enhance operational efficiency.

Coverage Ratio Summary

Coverage Score : 5.60

The company's coverage ratios present a mixed outlook. The interest coverage ratio indicates the ability to meet interest obligations, but the equity dividend coverage ratio is low. While the company can generally cover its interest expenses, its ability to cover equity dividends is limited. This suggests that the company may need to improve its dividend payout capacity. The company needs to improve its ability to cover dividend payments to shareholders.

Solvency Ratio Summary

Solvency Score : 10.00

The company's solvency position is exceptionally strong, marked by a high equity ratio and negligible debt. This indicates a very stable financial structure with minimal risk of financial distress. The company's reliance on equity rather than debt provides a solid foundation for long-term financial health. A high equity ratio means the company has a substantial cushion to absorb potential losses. However, the weighted average calculation over the past five years underscores the consistent maintenance of this strong equity position, which is highly reassuring for investors.

Liquidity Ratio Summary

Liquidity Score : 2.00

The company's liquidity position is weak, indicating potential difficulties in meeting its short-term obligations. The current, quick, and cash ratios are all at minimal levels, suggesting a limited ability to convert assets into cash quickly. While a low operating cash flow ratio indicates that the company struggles to generate cash from its operations, this could be due to the nature of the financial services industry. Maintaining adequate liquidity is crucial for the company to ensure smooth operations and to meet unexpected financial demands. This could be a significant concern for investors and creditors.