Growth Ratio Summary

Growth Score : 2.00

The company's growth ratios are concerning. Significant negative growth rates in revenue, operating profit, earnings per share, assets, and net income indicate a decline in business performance. This trend poses a risk to the company's long-term sustainability. The company needs to identify and address the underlying causes of these declines to revitalize growth.

Financial Ratio Summary

Financial Score : 4.60

The financial ratios present a mixed view of the company's financial performance. Adjusted and cash earnings per share are at moderate levels, while the book value per share is low. Dividend per share is reasonable, but capital expenditures are moderate. Improving earnings and asset values is crucial for enhancing these ratios.

Profitability Ratio Summary

Profitability Score : 10.00

The company exhibits strong profitability. High gross profit margin, ROCE, ROE, ROA, operating margin, and net margin indicate efficient operations and effective cost management. These ratios demonstrate the company's ability to generate profits from its resources. Sustaining these high levels of profitability is essential for long-term success.

Efficiency Ratio Summary

Efficiency Score : 5.67

The company's efficiency ratios present a mixed picture. The fixed asset turnover ratio is strong, indicating efficient use of fixed assets. However, the inventory turnover and capital turnover ratios are low, suggesting inefficiencies in managing inventory and capital. Receivable days are reasonable, but there is room for improvement. Overall, there is a need to optimize asset utilization to enhance operational efficiency.

Coverage Ratio Summary

Coverage Score : 4.40

The coverage ratios reflect a mixed ability to cover financial obligations. The interest coverage ratio is adequate, suggesting a reasonable capacity to pay interest expenses. However, the equity dividend coverage ratio is low, indicating potential difficulties in covering dividend payments with available equity. Enhancing earnings and managing dividend payouts is essential to improve these ratios.

Solvency Ratio Summary

Solvency Score : 9.00

Radiant Cash Management Services exhibits strong solvency. Low debt and high equity ratios suggest a conservative capital structure and a reduced risk of financial distress. The company's reliance on equity over debt supports long-term stability. The company's financial stability is well-positioned to withstand economic downturns.

Liquidity Ratio Summary

Liquidity Score : 9.20

The company's liquidity position is generally strong. High current, quick, and cash ratios indicate a substantial ability to cover short-term liabilities with liquid assets. A lower operating cash flow ratio suggests that the company might face challenges in converting its earnings into cash. Maintaining high liquidity is crucial for non-bank financial services to ensure smooth operations and handle unforeseen financial demands.