Growth Ratio Summary

Growth Score : 8.00

JM Financial Ltd demonstrates robust growth in key areas, but also faces some challenges. Revenue and earnings per share have shown good increase. However, the operating profit growth rate indicates some difficulties in maintaining profitability as revenues increase. The asset growth rate indicates that the company's asset base is not expanding rapidly. Overall, while the company exhibits strong growth in specific areas, there are also areas where improvement is needed.

Financial Ratio Summary

Financial Score : 6.60

JM Financial Ltd's financial metrics present a varied performance. Adjusted earnings per share are moderate, while cash earnings per share are lower. The book value per share shows a solid equity base. Dividend per share is at an adequate level, and capital expenditures are well-managed. Overall, these metrics suggest a mixed financial performance with both strengths and weaknesses.

Profitability Ratio Summary

Profitability Score : 9.80

JM Financial Ltd exhibits strong profitability, reflected in its high margins and returns. The gross profit margin indicates efficient cost management, while the return on capital employed and return on equity highlight effective use of capital. The return on assets demonstrates good asset utilization. The operating and net margins further support the company's strong profitability. Overall, JM Financial Ltd showcases good ability to generate profits from its operations.

Efficiency Ratio Summary

Efficiency Score : 6.67

JM Financial Ltd's efficiency ratios present a mixed picture of its operational performance. The fixed asset turnover ratio reflects moderate efficiency in utilizing fixed assets, while the high inventory turnover is a notable strength. However, the receivables turnover ratio and receivable days indicate potential challenges in managing collections. The capital turnover ratio suggests that the company may not be maximizing its capital investments. Overall, there are opportunities to improve efficiency through better management of receivables and capital.

Coverage Ratio Summary

Coverage Score : 6.80

JM Financial Ltd's coverage ratios indicate a mixed ability to cover its financial obligations. The interest coverage ratio suggests that the company has some capacity to meet its interest expenses. The equity dividend coverage ratio shows a reasonable ability to cover dividend payments to shareholders. Overall, the coverage ratios indicate adequate but not exceptional financial safety.

Solvency Ratio Summary

Solvency Score : 6.40

JM Financial Ltd's solvency ratios suggest a moderate level of financial leverage. The debt ratio indicates that a notable portion of the company's assets are financed by debt. The debt-to-equity ratio reflects a balanced capital structure. The equity ratio shows a reasonable level of equity financing. The debt-to-asset ratio indicates a slightly higher reliance on debt for asset funding. While the company is managing its debt, there is room to improve its solvency position through strategic financial planning.

Liquidity Ratio Summary

Liquidity Score : 9.20

JM Financial Ltd demonstrates strong liquidity, showcasing its ability to meet short-term obligations. The high current and quick ratios indicate a comfortable cushion of liquid assets. The cash ratio further supports this, reflecting a significant proportion of assets held in cash. However, the operating cash flow ratio, while positive, suggests there might be room to improve the efficiency of cash generation from operations. Overall, the company's liquidity position provides a solid foundation for managing its day-to-day financial needs.