Growth Ratio Summary

Growth Score : 8.80

The company exhibits strong growth. The revenue, EPS, asset, and net income growth rates are all high, indicating significant expansion. However, the operating profit growth rate is very low, suggesting potential challenges in maintaining profitability as the company grows. The weighted average calculation emphasizes the robust growth trends, but also highlights the need to address the operating profit concerns.

Financial Ratio Summary

Financial Score : 2.40

The company's financial ratios need improvement. Adjusted EPS, cash EPS, and book value per share are all low, indicating underperformance in generating earnings and building equity. Dividend per share is non-existent, and capital expenditures are relatively high, suggesting ongoing investments. These metrics highlight areas where the company needs to focus on improving its financial performance to enhance investor confidence.

Profitability Ratio Summary

Profitability Score : 6.80

The company's profitability metrics present a mixed scenario. While return on capital employed, return on equity, and net margin are strong, the gross profit margin, return on assets, and operating margin are low. This suggests that the company is generating good returns on its capital and equity, but struggles with overall profitability and asset utilization. The weighted average calculation underscores these inconsistencies, highlighting areas for improvement.

Efficiency Ratio Summary

Efficiency Score : 6.00

The company's efficiency metrics present a mixed picture. While the fixed asset turnover ratio is strong, indicating efficient use of fixed assets, the inventory and capital turnover ratios are poor. The days sales in inventory and receivable days also reflect inefficiencies in managing these assets. The weighted average calculation underscores these inconsistencies, suggesting areas for operational improvement.

Coverage Ratio Summary

Coverage Score : 2.00

The company's coverage ratios are weak. Both the interest coverage ratio and the equity dividend coverage ratio are low, indicating a limited ability to cover interest and dividend obligations. This poses a risk to creditors and shareholders, particularly in adverse economic conditions. The weighted average calculation highlights the consistent lack of coverage, suggesting a need to improve earnings or reduce debt.

Solvency Ratio Summary

Solvency Score : 10.00

The company exhibits strong solvency. The debt and debt-to-equity ratios are low, while the equity ratio is high, indicating a conservative capital structure. The debt-to-asset ratio is also low. This financial stability provides a solid foundation for future growth and resilience against economic downturns. These metrics suggest that the company is well-positioned to manage its long-term obligations.

Liquidity Ratio Summary

Liquidity Score : 2.40

The company's liquidity position needs to be improved. While the operating cash flow ratio provides some cushion, the low current, quick, and cash ratios suggest potential difficulties in meeting short-term obligations. The weighted average calculation highlights the consistent low values across these metrics. In the financial services industry, maintaining adequate liquidity is critical for managing claims and ensuring smooth operations.