Cargills Bank PLC () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Cargills Bank PLC

Why is Cargills Bank PLC ?

Flat results in Sep 25

NET PROFIT(Q) At LKR 74.01 MM has Fallen at -62.18%
PRE-TAX PROFIT(Q) At LKR 157.58 MM has Fallen at -53.75%

With ROA of 0.79%, it has a expensive valuation with a 0.00 Price to Book Value

Over the past year, while the stock has generated a return of 10.41%, its profits have risen by 126.4%

Underperformed the market in the last 1 year

The stock has generated a return of 10.41% in the last 1 year, much lower than market (Sri Lanka CSE All Share) returns of 42.22%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

No Data Found

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

21.54%

EBIT Growth (5y)

76.96%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.00

EV to EBIT

6.89

EV to EBITDA

5.29

EV to Capital Employed

0.38

EV to Sales

0.83

PEG Ratio

Dividend Yield

ROCE (Latest)

5.46%

ROE (Latest)

6.54%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

OPERATING CASH FLOW(Y)

Highest at LKR 13,769.5 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 106.64%

-5What is not working for the Company

NET PROFIT(Q)

At LKR 74.01 MM has Fallen at -62.18%

PRE-TAX PROFIT(Q)

At LKR 157.58 MM has Fallen at -53.75%

Here's what is working for Cargills Bank PLC

Operating Cash Flow

Highest at LKR 13,769.5 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (LKR MM)

Credit Deposit Ratio

Highest at 106.64%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation

Highest at LKR 87.12 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (LKR MM)

Here's what is not working for Cargills Bank PLC

Net Profit

At LKR 74.01 MM has Fallen at -62.18%

over average net sales of the previous four periods of LKR 195.69 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (LKR MM)

Pre-Tax Profit

At LKR 157.58 MM has Fallen at -53.75%

over average net sales of the previous four periods of LKR 340.72 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (LKR MM)

Capital Adequacy Ratio

Lowest at 16.47%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)