Growth Ratio Summary

Growth Score : 8.00

The growth ratios are strong, indicating significant increases in revenue, operating profit, and earnings per share. This suggests that the company is expanding its business effectively and improving its financial performance. The weighted average calculation, emphasizing recent performance, reinforces this positive trend. Maintaining this growth trajectory will be crucial for long-term success.

Financial Ratio Summary

Financial Score : 4.00

The financial metrics present a mixed picture. While capital expenditures are well-managed, adjusted earnings per share, cash earnings per share, book value per share, and dividend per share are low. This suggests that the company needs to improve its earnings and shareholder returns. The weighted average calculation reflects the need for improvement in these areas to enhance overall financial health.

Profitability Ratio Summary

Profitability Score : 4.00

The profitability metrics show a mixed performance. While Return on Capital Employed (ROCE) is strong, gross profit margin, return on equity, return on assets, operating margin, and net margin are weak. This suggests that the company has some underlying issues with profitability that need to be addressed. The weighted average calculation reflects the need for improvement in these areas.

Efficiency Ratio Summary

Efficiency Score : 4.67

The efficiency metrics show mixed performance. While Days Sales in Inventory and Receivable Days are strong, indicating efficient inventory and receivables management, other turnover ratios are low. This might suggest that the company is not effectively utilizing its assets in certain areas. The weighted average calculation reflects the balance between these strengths and weaknesses, highlighting areas for potential improvement.

Coverage Ratio Summary

Coverage Score : 3.20

The coverage ratios indicate the company's ability to meet its interest and dividend obligations. While the interest coverage ratio is adequate, the equity dividend coverage ratio is low. This suggests that the company might face challenges in meeting its dividend payments. The weighted average calculation reflects the need for improvement in these areas.

Solvency Ratio Summary

Solvency Score : 2.80

The solvency position reflects a high level of debt, which could impact the bank's financial stability. While a higher debt level can provide leverage for growth, it also increases financial risk and interest expenses. The weighted average calculation indicates that the bank's debt levels have been consistently high, which might raise concerns about its long-term financial health. Balancing debt with equity is crucial for maintaining a stable financial structure.

Liquidity Ratio Summary

Liquidity Score : 2.00

The liquidity position indicates potential challenges in meeting short-term obligations. The weighted average calculation, emphasizing recent performance, highlights consistent low ratios. This could limit the bank's ability to respond to immediate financial needs or unexpected cash demands. On the other hand, the bank might be prioritizing long-term investments over short-term liquid assets.