Growth Ratio Summary

Growth Score : 8.00

The growth ratios are generally strong, particularly in revenue, operating profit, earnings per share, and asset growth. However, the net income growth rate needs improvement. The weighted average calculation highlights consistent growth in key areas, suggesting a positive trajectory for the company's expansion. The company's future looks promising.

Financial Ratio Summary

Financial Score : 6.80

The financial ratios present a mixed picture. Book value and dividends per share are very strong, but adjusted EPS is low. Cash EPS is average. This suggests good asset value and dividend payouts, but the company needs to improve its adjusted earnings performance. The weighted average calculation emphasizes the need for consistent improvement across all financial metrics.

Profitability Ratio Summary

Profitability Score : 5.20

The profitability ratios present a mixed performance. ROCE and operating margin are strong, but gross profit margin, ROE, ROA, and net margin are low. This suggests efficient capital utilization and operational management, but the company struggles with overall profitability and returns. Enhancing these metrics is crucial for sustainable financial health.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency ratios reveal a mixed performance. While days sales in inventory and receivable days are strong, the company struggles with fixed asset, inventory, receivables, and capital turnover. The weighted average calculation suggests that these challenges are ongoing. Improvement in asset utilization could significantly enhance overall operational efficiency.

Coverage Ratio Summary

Coverage Score : 5.60

The coverage ratios show a mixed performance. The interest coverage ratio is adequate, but the equity dividend coverage ratio is low. This suggests the company can comfortably cover its interest expenses but may struggle to cover dividend payments with its equity. Enhancing the equity dividend coverage ratio would improve investor confidence.

Solvency Ratio Summary

Solvency Score : 10.00

The company's solvency position appears strong, with a high equity ratio and low debt ratios. This indicates a conservative capital structure and a lower risk of financial distress. This strength provides a stable foundation for future growth and resilience against economic downturns.

Liquidity Ratio Summary

Liquidity Score : 2.00

The company's liquidity position is weak, indicating potential difficulties in meeting its short-term obligations. While this might not be immediately alarming for a non-bank financial institution, consistent low liquidity could restrict operational flexibility and increase financial risk. The weighted average calculation emphasizes recent performance, suggesting that current strategies aren't effectively improving liquidity.