Growth Ratio Summary

Growth Score : 10.00

The growth ratios demonstrate very strong expansion across multiple dimensions, including revenue, operating profit, earnings per share, assets, and net income. This suggests the company is successfully scaling its operations and capturing market share. The company is expanding its operations at a high rate.

Financial Ratio Summary

Financial Score : 2.40

The financial ratios offer a look into the company's earnings, book value, dividend policy, and capital expenditures. The adjusted and cash earnings per share, book value per share, dividend per share, and capital expenditures is low. There is a scope of improvement.

Profitability Ratio Summary

Profitability Score : 6.80

The profitability ratios provide insights into the company's ability to generate profits from its revenue and assets. The company has high ROCE, ROE and Net Margin but the gross profit margin, ROA and operating margin is low. The company has been generating high returns on equity and capital.

Efficiency Ratio Summary

Efficiency Score : 6.00

The efficiency ratios present a mixed view of how well the company uses its assets. The fixed asset turnover ratio indicates effective utilization of fixed assets, but the other turnover ratios score very low because they are zero. This is because this is a financial services company and doesn't have inventory or receivables. The company lacks diversification.

Coverage Ratio Summary

Coverage Score : 6.40

The coverage ratios provide insights into the company's ability to meet its interest and dividend obligations. The interest coverage ratio is low, but the equity dividend coverage ratio is high. The company has a high dividend coverage.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency ratios reflect a high level of debt relative to equity and assets, raising concerns about the company's long-term financial stability. While a higher debt can fuel growth, it also increases financial risk, especially if the company's earnings are volatile. The bank's sustainability is at risk.

Liquidity Ratio Summary

Liquidity Score : 8.78

The liquidity position is strong, indicating the company's ability to meet its short-term obligations. High current and quick ratios suggest the company holds a comfortable level of liquid assets. The cash ratio is adequate, but the operating cash flow ratio indicates there is room to improve the efficiency of cash management. This provides a cushion against unforeseen circumstances and supports ongoing operations.