ScoreWhy is National Development Bank Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.02%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
2
The company declared very positive results in Dec'24 after negative results in Sep'24
- OPERATING CASH FLOW(Y) Highest at LKR 71,010.57 MM
- ROCE(HY) Highest at 1.54%
- CREDIT DEPOSIT RATIO(HY) Highest at 86.81%
3
With ROA of 1.05%, it has a attractive 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 28.68%, its profits have risen by 70% ; the PEG ratio of the company is 0.1
- At the current price, the company has a high dividend yield of 0.3
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to National Development Bank Plc should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is National Development Bank Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
National Development Bank Plc
-100.0%
3.30
27.17%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.60%
EBIT Growth (5y)
7.93%
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
21.21%
Pledged Shares
0
Institutional Holding
0.27%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.72
EV to EBIT
16.90
EV to EBITDA
15.04
EV to Capital Employed
0.87
EV to Sales
1.81
PEG Ratio
0.10
Dividend Yield
0.26%
ROCE (Latest)
5.14%
ROE (Latest)
11.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
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 71,010.57 MM
ROCE(HY)
Highest at 1.54%
CREDIT DEPOSIT RATIO(HY)
Highest at 86.81%
NET SALES(Q)
Highest at LKR 22,163.58 MM
-3What is not working for the Company
ROCE(HY)
Lowest at 1.54%
PRE-TAX PROFIT(Q)
At LKR 5,018.34 MM has Fallen at -43.88%
Here's what is working for National Development Bank Plc
Operating Cash Flow
Highest at LKR 71,010.57 MM
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 22,163.58 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Credit Deposit Ratio
Highest at 86.81%
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 321.47 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 National Development Bank Plc
Pre-Tax Profit
At LKR 5,018.34 MM has Fallen at -43.88%
over average net sales of the previous four periods of LKR 8,941.43 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (LKR MM)
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