ScoreWhy is Pan Asia Banking Corp. Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.99%
- Healthy long term growth as Net profit has grown by an annual rate of 14.40%
2
Positive results in Mar 26
- NET SALES(Q) Highest at LKR 8,767.22 MM
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NII(Q) Highest at LKR 3,411.21 MM
3
With ROA of 1.21%, it has a very attractive valuation with a 0.80 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 39.59%, its profits have fallen by -3%
- At the current price, the company has a high dividend yield of 0
4
Consistent Returns over the last 3 years
- Along with generating 39.59% 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 hold?
- Overall Portfolio exposure to Pan Asia Banking Corp. 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 Pan Asia Banking Corp. Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Pan Asia Banking Corp. Plc
-100.0%
4.50
30.44%
Sri Lanka CSE All Share
32.72%
1.90
17.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.30%
EBIT Growth (5y)
14.25%
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
11.05%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.80
EV to EBIT
8.77
EV to EBITDA
7.82
EV to Capital Employed
0.88
EV to Sales
1.48
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
10.07%
ROE (Latest)
13.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
NET SALES(Q)
Highest at LKR 8,767.22 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at LKR 3,411.21 MM
CASH AND EQV(HY)
Highest at LKR 32,567.81 MM
OPERATING PROFIT(Q)
Highest at LKR 1,585.84 MM
PRE-TAX PROFIT(Q)
Highest at LKR 1,650.41 MM
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at LKR -1,419.78 MM
Here's what is working for Pan Asia Banking Corp. Plc
Net Sales
Highest at LKR 8,767.22 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 3,411.21 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (LKR MM)
Operating Profit
Highest at LKR 1,585.84 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Pre-Tax Profit
Highest at LKR 1,650.41 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Cash and Eqv
Highest at LKR 32,567.81 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Pan Asia Banking Corp. Plc
Operating Cash Flow
Lowest at LKR -1,419.78 MM
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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