ScoreComparison
Why is Citizens Development Business Finance Plc ?
1
With ROE of 15.85%, it has a very attractive valuation with a 1.05 Price to Book Value
- Over the past year, while the stock has generated a return of 2.69%, its profits have risen by 12.5%
Real-Time Research ReportHow much should you buy?
- 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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Citizens Development Business Finance Plc
2.69%
-0.81
99.18%
Sri Lanka CSE All Share
11.95%
0.72
16.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.93%
EBIT Growth (5y)
6.78%
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
27.83%
Dividend Payout Ratio
27.86%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
100.89%
ROE (avg)
15.35%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.05
EV to EBIT
2.53
EV to EBITDA
2.31
EV to Capital Employed
1.09
EV to Sales
0.61
PEG Ratio
NA
Dividend Yield
0.14%
ROCE (Latest)
43.01%
ROE (Latest)
15.85%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NET SALES(Q)
Highest at LKR 8,084.46 MM
INVENTORY TURNOVER RATIO(HY)
Highest at 29.45 times
DEBTORS TURNOVER RATIO(HY)
Highest at 9.18 times
-3What is not working for the Company
RAW MATERIAL COST(Y)
Grown by 11.75% (YoY
DEBT-EQUITY RATIO
(HY)
Highest at 270.88 %
Here's what is working for Citizens Development Business Finance Plc
Net Sales
Highest at LKR 8,084.46 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (LKR MM)
Inventory Turnover Ratio
Highest at 29.45 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its inventory faster
Inventory Turnover Ratio
Debtors Turnover Ratio
Highest at 9.18 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Depreciation
Highest at LKR 314.93 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
Depreciation
At LKR 314.93 MM has Grown at 154.76%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (LKR MM)
Here's what is not working for Citizens Development Business Finance Plc
Debt-Equity Ratio
Highest at 270.88 %
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
Raw Material Cost
Grown by 11.75% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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