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 28.80%
2
The company has declared Positive results for the last 6 consecutive quarters
- NII(Q) Highest at LKR 38,813.85 MM
- NET SALES(Q) Highest at LKR 82,886.51 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
3
With ROA of 1.22%, it has a fair valuation with a 0.97 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 19.33%, its profits have risen by 9% ; the PEG ratio of the company is 0.7
4
Consistent Returns over the last 3 years
- Along with generating 19.33% 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
19.33%
4.44
20.94%
Sri Lanka CSE All Share
11.95%
0.72
16.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.40%
EBIT Growth (5y)
28.55%
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
21.70%
Pledged Shares
0
Institutional Holding
0.30%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.97
EV to EBIT
4.88
EV to EBITDA
4.57
EV to Capital Employed
0.98
EV to Sales
1.41
PEG Ratio
0.73
Dividend Yield
NA
ROCE (Latest)
20.05%
ROE (Latest)
17.89%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
NII(Q)
Highest at LKR 38,813.85 MM
NET SALES(Q)
Highest at LKR 82,886.51 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
OPERATING PROFIT(Q)
Highest at LKR 27,361.53 MM
PRE-TAX PROFIT(Q)
Highest at LKR 27,633.5 MM
NET PROFIT(Q)
Highest at LKR 17,719.77 MM
EPS(Q)
Highest at LKR 10.72
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Commercial Bank of Ceylon Plc
NII
Highest at LKR 38,813.85 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at LKR 82,886.51 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 (%)
Operating Profit
Highest at LKR 27,361.53 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Pre-Tax Profit
Highest at LKR 27,633.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Net Profit
Highest at LKR 17,719.77 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
EPS
Highest at LKR 10.72
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (LKR)
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