U. Y. Fincorp Ltd

Growth Ratio Summary

Growth Score : 4.00

The growth ratios for U. Y. Fincorp Ltd reveal a mixed performance. While there was a high revenue growth, negative trends in operating profit, earnings per share, and asset growth present challenges. A decline in these areas suggests underlying operational and strategic issues. Efforts to improve profitability and asset management are crucial for sustainable growth.

Financial Ratio Summary

Financial Score : 3.60

The financial ratios for U. Y. Fincorp Ltd presents a mixed scenario. While capital expenditures is positive, challenges in adjusted and cash earnings per share, book value per share, and dividend per share underscore the need for strategic adjustments. Improving earnings and shareholder value is essential for enhancing the company's financial health.

Profitability Ratio Summary

Profitability Score : 6.40

U. Y. Fincorp Ltd demonstrates a mixed profitability profile. While gross profit and operating margins are positive, the return on equity and return on assets are low, indicating inefficiencies in generating profits from equity and assets. Improving profitability through better cost management and asset utilization is essential for enhancing overall financial performance.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency ratios for U. Y. Fincorp Ltd present a mixed picture. While Days Sales in Inventory and Receivable Days are optimal, the fixed asset, inventory, receivables, and capital turnover ratios indicate underutilization of assets. This suggests that the company may not be generating sufficient revenue from its investments in fixed assets, inventory, and capital. Improving asset turnover could lead to enhanced profitability.

Coverage Ratio Summary

Coverage Score : 3.20

The coverage ratios for U. Y. Fincorp Ltd indicate challenges in meeting its debt obligations. While the interest coverage ratio suggests some ability to cover interest expenses, the equity dividend coverage ratio is low, suggesting potential difficulties in paying dividends. Improving earnings and managing debt levels are crucial for strengthening coverage ratios.

Solvency Ratio Summary

Solvency Score : 8.00

U. Y. Fincorp Ltd demonstrates a mixed solvency profile. On one hand, low debt levels are reflected in debt ratio and debt to asset ratio, indicating minimal financial risk associated with leverage. However, the equity ratio is poor, suggesting an over-reliance on debt or insufficient equity to support its operations. While low debt can be advantageous, a weak equity base can make the company vulnerable to financial distress during economic downturns.

Liquidity Ratio Summary

Liquidity Score : 2.00

The liquidity position of U. Y. Fincorp Ltd is concerning. The current, quick, and cash ratios are all at minimal levels, suggesting a struggle to meet short-term obligations with available liquid assets. This may indicate that the company needs to improve its management of working capital to ensure it can comfortably cover its immediate liabilities. While maintaining extremely low liquidity can free up capital for investment, it also increases the risk of financial distress if unexpected expenses arise.