Growth Ratio Summary

Growth Score : 4.00

The company shows mixed growth, with strong growth in operating profit and assets, but faces challenges in revenue and net income. While the increase in operating profit and assets is very good, the decline in revenue may cause concern. Focusing on strategies to boost revenue and net income will be crucial for sustainable growth. Overall, the company has potential for growth if it can address these areas.

Financial Ratio Summary

Financial Score : 5.60

The company's financial position shows mixed performance. The company shows positive with its Capital Expenditures and Book Value. Focusing on these areas can enhance shareholder value and ensure long-term financial health. Prudent financial management is key to achieving sustainable growth and profitability.

Profitability Ratio Summary

Profitability Score : 4.20

The company's profitability is mixed. While the company has a very strong Return on Capital Employed (ROCE), the company has lower scores on other parameters. Optimizing these areas can improve overall profitability and create more value for shareholders. Enhancing profitability will be key to sustainable financial performance.

Efficiency Ratio Summary

Efficiency Score : 4.67

The company's efficiency in using its assets is average. While the company excels in certain areas like Inventory Ratio and Receivable Days. It can improve in areas such as Fixed Asset Turnover and Capital Turnover. Improving these ratios can enhance profitability and ensure better utilization of resources. Focusing on more efficient asset management will be key to improving overall operational performance.

Coverage Ratio Summary

Coverage Score : 6.80

The company's ability to cover its financial obligations is good. It has very strong in its ability to cover its interest expenses, but the company has to improve in some areas in order to have stronger coverage ratios. This balance suggests a need for careful financial planning to ensure it can meet both interest and dividend obligations effectively.

Solvency Ratio Summary

Solvency Score : 10.00

The company shows very strong and secure when it comes to its debts. The company has managed its debts very well and it can easily take on more debts to increase its business. This indicates a solid foundation and reduces concerns about long-term financial stability. The company's high solvency provides a buffer against economic downturns and allows it to pursue growth opportunities with confidence.

Liquidity Ratio Summary

Liquidity Score : 2.00

The company's liquidity position is very weak. Because of this it might face difficulties in meeting its immediate financial obligations. While maintaining high liquidity isn't always necessary for insurance companies due to the nature of their business, the inability to convert assets quickly into cash can pose risks. Improving liquidity would provide a greater financial cushion and reduce potential stress during unexpected financial demands. This very low liquidity is a significant area that needs to be addressed to ensure financial stability.