Growth Ratio Summary

Growth Score : 4.80

The company's growth performance is mixed. While revenue and asset growth rates are strong, indicating positive expansion, the negative operating profit, EPS, and net income growth rates are significant concerns. This suggests that while the company is growing in size, its profitability is declining. The company's growth is not resulting into profit. The company needs to improve its profitability.

Financial Ratio Summary

Financial Score : 5.40

The company's financial metrics present a mixed picture. While book value and dividend per share are reasonably good, adjusted and cash EPS are just average. The high level of capital expenditures is a concern, potentially indicating over-investment or inefficient allocation of resources. The company needs to find the right balance in its expenditure and its earnings.

Profitability Ratio Summary

Profitability Score : 6.80

The company's profitability ratios present a contradicting view. While return on capital employed, return on equity, and net margin are strong, the gross profit margin, return on assets, and operating margin raise concerns. This suggests the company is efficient in using capital and equity but struggles with overall profitability and asset utilization. The company is profitable in some sectors but it is still facing problems in overall profitability.

Efficiency Ratio Summary

Efficiency Score : 6.00

The company's efficiency in asset utilization presents a mixed picture. While the fixed asset turnover ratio is strong, indicating efficient use of fixed assets, other turnover ratios related to inventory, receivables, and capital are very low. This suggests inefficiencies in managing working capital, particularly in inventory and receivables. The company is doing good in using fixed assets but it needs to improve using its working capital.

Coverage Ratio Summary

Coverage Score : 5.60

The company's coverage ratios present a mixed outlook. The interest coverage ratio indicates a weak ability to cover interest expenses with its earnings, suggesting potential financial strain. However, the equity dividend coverage ratio indicates it can adequately cover its dividend payments. The company is facing issues in covering its interest payments but it is able to cover its dividend payments.

Solvency Ratio Summary

Solvency Score : 2.80

The company's solvency position is weak, primarily due to high debt levels relative to equity and assets. While the debt-to-asset ratio is moderate, the high debt and low equity ratios indicate a high level of financial leverage. This high leverage may increase the company's financial risk and vulnerability to economic downturns. High proportion of debt is not good for the company's long term growth.

Liquidity Ratio Summary

Liquidity Score : 8.80

The company's liquidity position is strong, as indicated by high current, quick, and cash ratios, suggesting a strong ability to meet its short-term obligations. However, the low operating cash flow ratio is a concern, reflecting potential difficulties in generating cash from its operations to cover immediate liabilities. While the bank has enough liquid assets, the inconsistency in operating cash flows may create challenges in maintaining smooth operations.