Growth Ratio Summary

Growth Score : 6.80

The growth metrics reveal strengths in revenue, EPS, and asset growth. This suggests the company is expanding its operations and increasing its market share. However, the negative operating profit growth and net income growth rates raise concerns about the sustainability of this growth. The weighted average calculation highlights the need for the company to improve its profitability to support its growth.

Financial Ratio Summary

Financial Score : 4.00

The financial metrics present a mixed view. While the capital expenditures are good, the adjusted EPS, cash EPS, book value per share, and dividend per share are low. This suggests the company may not be generating enough earnings or value for its shareholders. The weighted average calculation method highlights the areas where the company needs to improve its financial performance.

Profitability Ratio Summary

Profitability Score : 4.00

The profitability metrics reveal significant challenges. Negative gross and operating margins, coupled with low returns on equity and assets, indicate that the company is struggling to generate profits. The weighted average calculation method highlights the areas where the company needs to improve its profitability.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency metrics present a mixed view. While the days sales in inventory and receivable days are high, the fixed asset, inventory, receivables, and capital turnover ratios are low. This suggests the company may not be efficiently utilizing its assets to generate revenue. The weighted average calculation method highlights the areas where the company needs to improve its operational efficiency.

Coverage Ratio Summary

Coverage Score : 3.20

The coverage ratios suggest potential challenges in meeting its interest and dividend obligations. The interest coverage ratio indicates that the company may struggle to cover its interest expenses with its earnings before interest and taxes (EBIT). The equity dividend coverage ratio indicates that the company is not generating enough earnings to cover its dividend payments. The weighted average calculation method highlights the need for the company to improve its coverage ratios.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency position suggests a reliance on debt. High debt levels can create financial risk, making the company vulnerable to economic downturns or changes in interest rates. The weighted average calculation indicates that the company's solvency ratios are below the thresholds for good financial health. While debt can fuel growth, it's important to maintain a balanced capital structure to mitigate potential risks.

Liquidity Ratio Summary

Liquidity Score : 2.00

The liquidity position indicates potential difficulties in meeting immediate financial obligations. The weighted average calculation places the liquidity ratios in the lowest category. This suggests the company may face challenges in covering its short-term liabilities with its current assets. While this might be a concern, it's important to consider the specific liquidity requirements of a non-bank financial institution, which may differ from other industries.