ScoreWhy is DFCC Bank PLC ?
1
The company has declared positive results in Dec'2024 after 2 consecutive negative quarters
- NET PROFIT(HY) At LKR 5,483.97 MM has Grown at 179.31%
- CREDIT DEPOSIT RATIO(HY) Highest at 104.25%
- NET SALES(Q) Highest at LKR 20,651.42 MM
2
With ROA of 0.89%, it has a fair valuation with a 0.72 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 29.43%, its profits have risen by 14% ; the PEG ratio of the company is 0.7
3
Underperformed the market in the last 1 year
- The stock has generated a return of 29.43% in the last 1 year, much lower than market (Sri Lanka CSE All Share) returns of 41.16%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to DFCC Bank 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 DFCC Bank PLC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
DFCC Bank PLC
-100.0%
3.57
28.87%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.50%
EBIT Growth (5y)
41.45%
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
17.38%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.72
EV to EBIT
14.72
EV to EBITDA
13.38
EV to Capital Employed
0.87
EV to Sales
2.38
PEG Ratio
0.72
Dividend Yield
NA
ROCE (Latest)
5.94%
ROE (Latest)
8.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET PROFIT(HY)
At LKR 5,483.97 MM has Grown at 179.31%
CREDIT DEPOSIT RATIO(HY)
Highest at 104.25%
NET SALES(Q)
Highest at LKR 20,651.42 MM
OPERATING PROFIT(Q)
Highest at LKR 4,036.32 MM
OPERATING PROFIT MARGIN(Q)
Highest at 19.55 %
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at LKR 17,651.81 MM
Here's what is working for DFCC Bank PLC
Net Profit
At LKR 5,483.97 MM has Grown at 179.31%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (LKR MM)
Net Sales
Highest at LKR 20,651.42 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Operating Profit
Highest at LKR 4,036.32 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Operating Profit Margin
Highest at 19.55 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 104.25%
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 (%)
Depreciation
Highest at LKR 395.63 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
Here's what is not working for DFCC Bank PLC
Operating Cash Flow
Lowest at LKR 17,651.81 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (LKR MM)
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