ScoreWhy is Commercial Bank of Ceylon Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.31%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 26.10%
2
Positive results in Sep 25
- OPERATING CASH FLOW(Y) Highest at LKR 223,600.67 MM
- ROCE(HY) Highest at 2.38%
- NET SALES(Q) Highest at LKR 74,879.34 MM
3
With ROA of 1.38%, it has a fair valuation with a 1.12 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 56.75%, its profits have risen by 161% ; the PEG ratio of the company is 0.1
4
Consistent Returns over the last 3 years
- Along with generating 56.75% returns in the last 1 year, the stock has outperformed Sri Lanka CSE All Share in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Commercial Bank of Ceylon Plc should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Commercial Bank of Ceylon Plc for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Commercial Bank of Ceylon Plc
-100.0%
5.00
24.39%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.30%
EBIT Growth (5y)
34.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.31%
Pledged Shares
0
Institutional Holding
0.30%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.12
EV to EBIT
4.57
EV to EBITDA
4.35
EV to Capital Employed
1.09
EV to Sales
1.55
PEG Ratio
0.05
Dividend Yield
NA
ROCE (Latest)
23.88%
ROE (Latest)
18.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 223,600.67 MM
ROCE(HY)
Highest at 2.38%
NET SALES(Q)
Highest at LKR 74,879.34 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at LKR 34,671.66 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 2.38%
Here's what is working for Commercial Bank of Ceylon Plc
Net Sales
Highest at LKR 74,879.34 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (LKR MM)
Credit Deposit Ratio
Highest at 0% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at LKR 34,671.66 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (LKR MM)
Operating Cash Flow
Highest at LKR 223,600.67 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Depreciation
Highest at LKR 1,435.45 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
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