Growth Ratio Summary

Growth Score : 10.00

My Mudra Fincorp Ltd exhibits exceptional growth across all key metrics. High revenue growth, operating profit growth, EPS growth, asset growth, and net income growth indicate strong business performance and effective strategic execution. The company is successfully expanding its operations and increasing its profitability. Maintaining this high growth trajectory will be crucial. The company is well-positioned to capitalize on market opportunities and deliver continued success.

Financial Ratio Summary

Financial Score : 8.00

My Mudra Fincorp Ltd's financial ratios indicate a strong but potentially unbalanced performance. High adjusted EPS, cash EPS, and book value per share suggest robust profitability and asset value. However, the company does not distribute dividends, and has increasing capital expenditures. High earnings and asset values provide a solid financial foundation. The company needs to consider a dividend policy that balances shareholder returns with reinvestment needs.

Profitability Ratio Summary

Profitability Score : 10.00

My Mudra Fincorp Ltd demonstrates exceptional profitability. High gross profit margin, ROCE, ROE, ROA, operating margin, and net margin indicate efficient operations and effective management. The company is generating strong returns on its capital, equity, and assets. Maintaining these high profitability levels will be crucial. The company is well-positioned to sustain its financial performance and deliver continued success.

Efficiency Ratio Summary

Efficiency Score : 5.67

The company demonstrates mixed efficiency. The excellent fixed asset turnover ratio indicates efficient use of fixed assets in generating revenue, but very low inventory turnover and capital turnover ratios point to areas of concern. The receivable days are also high, suggesting slow collections. While fixed assets are well-managed, the company needs to review inventory and capital management practices. Improving these areas can significantly enhance the company's overall efficiency and profitability.

Coverage Ratio Summary

Coverage Score : 6.80

The company's coverage ratios present a mixed outlook. While the interest coverage ratio is strong, the equity dividend coverage ratio is low. The company is comfortably covering its interest expenses, but it is not providing dividends as of now. While the absence of dividends allows for reinvestment of earnings, it may not satisfy shareholders seeking income. The company should balance its coverage ratios to meet both its debt obligations and shareholder expectations.

Solvency Ratio Summary

Solvency Score : 10.00

My Mudra Fincorp Ltd exhibits excellent solvency, indicating a strong ability to meet its long-term obligations. The low debt and high equity ratios suggest a conservative capital structure. Low debt levels reduce financial risk and provide flexibility for future growth, while a high equity base enhances stability and investor confidence. The company's robust solvency makes it well-positioned to withstand economic downturns and capitalize on long-term opportunities.

Liquidity Ratio Summary

Liquidity Score : 8.80

The company's liquidity position is generally strong, indicating a good ability to meet short-term obligations. The very high current, quick, and cash ratios are a testament to this. However, the operating cash flow ratio suggests that there may be challenges in generating cash from operations. While the very high current, quick, and cash ratios provide substantial cushion, the company should ensure that its operational strategies are aligned to improve cash generation from its core business activities.