Growth Ratio Summary

Growth Score : 8.80

The company exhibits strong growth in revenue, EPS, assets and net income, pointing to a rapidly expanding business. However, a decline in operating profit growth suggests that increasing revenues are not translating efficiently into higher profits, which could indicate rising costs or pricing pressures. Overall, the company's growth trajectory is positive, but profitability needs to catch up with revenue growth.

Financial Ratio Summary

Financial Score : 2.80

The company exhibits a mixed financial performance. Although book value per share is strong, indicating inherent value, negative adjusted and cash EPS, coupled with no dividend payouts and high capital expenditures, suggest concerns about immediate profitability and returns to shareholders. Focusing on improving earnings and managing capital expenditures is vital for enhancing the company's overall financial health.

Profitability Ratio Summary

Profitability Score : 5.60

The company demonstrates mixed profitability. While returns on capital employed and equity are strong, negative gross and operating margins, along with low returns on assets and net margins, suggest fundamental issues with cost management and pricing. Improving gross margins and operational efficiency are essential to translate revenue into sustainable profits. This is a critical area for improvement.

Efficiency Ratio Summary

Efficiency Score : 5.33

The company demonstrates mixed efficiency. While fixed asset turnover is high, indicating effective use of fixed assets, inventory turnover is non-existent, which, for a financial services company, may be acceptable if inventory is not applicable to this company. However, long receivable days and a low capital turnover ratio suggest inefficiencies in managing working capital and overall capital utilization. This indicates potential for improvement in operational processes and asset management.

Coverage Ratio Summary

Coverage Score : 2.00

The company's ability to cover its interest expenses and dividend payments is weak. This may indicate financial stress and potential difficulties in meeting its obligations. Improving profitability and reducing debt levels are crucial to enhance coverage ratios and ensure financial stability. This is a critical area that needs immediate attention.

Solvency Ratio Summary

Solvency Score : 10.00

The company exhibits a very strong financial structure with low debt levels and high equity. This indicates a conservative approach to financing and a strong ability to meet long-term obligations. Low debt ratios reduce financial risk and provide greater financial flexibility. The company's high equity ratio enhances its stability and attractiveness to investors.

Liquidity Ratio Summary

Liquidity Score : 8.40

The company shows a strong ability to meet its short-term obligations. High current and quick ratios suggest the company has ample liquid assets. A high cash ratio provides substantial immediate liquidity. However, a negative operating cash flow ratio indicates challenges in generating cash from its operations, which could strain liquidity if not addressed.