Growth Ratio Summary

Growth Score : 6.00

The company demonstrates strong growth in revenue and operating profit, indicating successful expansion and improved operational efficiency. However, there are challenges in earnings per share and net income growth, which may be a concern for investors. The asset growth rate is also robust, reflecting the company's ability to increase its asset base. Addressing the issues in EPS and net income growth could further enhance the company's attractiveness to investors.

Financial Ratio Summary

Financial Score : 4.40

The financial ratios present a mixed view. Adjusted earnings per share and book value per share are low, which may concern investors. Cash earnings per share and dividend per share are modest. The capital expenditures suggest that company is not investing in their infrastructure. Overall, there is room for improvement in enhancing financial performance and shareholder value.

Profitability Ratio Summary

Profitability Score : 4.00

The profitability ratios indicate significant challenges. Negative gross and operating margins reflect poor cost management and operational inefficiencies. Low returns on equity and assets suggest the company is not effectively using its capital to generate profits. However, the return on capital employed is relatively strong, demonstrating some efficiency in capital utilization. Addressing the issues in margins and returns could significantly improve the company's financial performance.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency ratios present a mixed picture. Fixed asset, inventory, and receivables turnover ratios are notably low, suggesting challenges in asset utilization. However, the days sales in inventory and receivable days are high, which may reflect the nature of the non-bank financial services industry. The capital turnover ratio is also low, indicating inefficient use of capital. Overall, there is room for improvement in optimizing asset turnover to enhance operational efficiency.

Coverage Ratio Summary

Coverage Score : 3.20

The coverage ratios suggest potential difficulties in meeting financial obligations. The interest coverage ratio indicates a limited ability to cover interest expenses with earnings. The equity dividend coverage ratio is low, which could affect investor confidence. Improving these ratios could enhance the company's financial stability and attractiveness to investors.

Solvency Ratio Summary

Solvency Score : 2.80

The company shows a mixed solvency profile. High debt ratios and debt-to-equity ratios indicate significant reliance on debt financing, which could increase financial risk. However, the debt-to-asset ratio suggests a moderate balance between debt and assets. The equity ratio, while low, provides some buffer against liabilities. The company's ability to manage its debt obligations and equity could influence its long-term stability and growth prospects.

Liquidity Ratio Summary

Liquidity Score : 2.00

The liquidity position reveals significant challenges. All the liquidity metrics, including current, quick, cash, and operating cash flow ratios, indicate poor short-term financial health, with values suggesting potential difficulties in meeting immediate obligations. The company may face challenges in converting its assets into cash to cover its short-term liabilities. This situation could affect its ability to handle unforeseen expenses or investment opportunities.