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 95,361.43 MM
- ROCE(HY) Highest at 1.28%
- NET PROFIT(9M) Higher at LKR 14,671.5 MM
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 71.14%, 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
69.74%
2.34
33.05%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
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
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 95,361.43 MM
ROCE(HY)
Highest at 1.28%
NET PROFIT(9M)
Higher at LKR 14,671.5 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 1.28%
PRE-TAX PROFIT(Q)
At LKR 3,767.41 MM has Fallen at -57.92%
NET PROFIT(Q)
At LKR 2,447.56 MM has Fallen at -39.95%
Here's what is working for National Development Bank Plc
Operating Cash Flow
Highest at LKR 95,361.43 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Here's what is not working for National Development Bank Plc
Pre-Tax Profit
At LKR 3,767.41 MM has Fallen at -57.92%
over average net sales of the previous four periods of LKR 8,952.65 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (LKR MM)
Net Profit
At LKR 2,447.56 MM has Fallen at -39.95%
over average net sales of the previous four periods of LKR 4,076.09 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (LKR MM)
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