ScoreComparison
Why is Citizens Development Business Finance Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.35%
- Healthy long term growth as Net Sales has grown by an annual rate of 7.61%
2
The company has declared Positive results for the last 5 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at LKR 7,214.34 MM
- NET SALES(Q) Highest at LKR 6,304.48 MM
- RAW MATERIAL COST(Y) Fallen by -11.48% (YoY)
3
With ROE of 16.54%, it has a attractive valuation with a 1.12 Price to Book Value
- Over the past year, while the stock has generated a return of 61.28%, its profits have risen by 36%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Citizens Development Business Finance Plc should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Citizens Development Business Finance Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Citizens Development Business Finance Plc
61.28%
2.50
33.98%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.61%
EBIT Growth (5y)
3.82%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.35%
Dividend Payout Ratio
26.53%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
103.43%
ROE (avg)
15.35%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.12
EV to EBIT
4.46
EV to EBITDA
4.46
EV to Capital Employed
1.14
EV to Sales
1.00
PEG Ratio
NA
Dividend Yield
0.30%
ROCE (Latest)
25.51%
ROE (Latest)
16.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bearish
Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 7,214.34 MM
NET SALES(Q)
Highest at LKR 6,304.48 MM
RAW MATERIAL COST(Y)
Fallen by -11.48% (YoY
-1What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 178.16 %
Here's what is working for Citizens Development Business Finance Plc
Operating Cash Flow
Highest at LKR 7,214.34 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Net Sales
Highest at LKR 6,304.48 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (LKR MM)
Raw Material Cost
Fallen by -11.48% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Citizens Development Business Finance Plc
Debt-Equity Ratio
Highest at 178.16 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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