ScoreWhy is Sampath Bank Plc ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
Flat results in Mar 26
- OPERATING PROFIT(Q) Lowest at LKR 8,741.21 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 17.5 %
- PRE-TAX PROFIT(Q) Lowest at LKR 9,425.62 MM
3
With ROA of 1.13%, it has a fair valuation with a 0.90 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 -1.79%, its profits have risen by 13% ; the PEG ratio of the company is 0.4
4
Below par performance in long term as well as near term
- Along with generating -1.79% returns in the last 1 year, the stock has also underperformed Sri Lanka CSE All Share in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Sampath 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 Sampath Bank Plc for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Sampath Bank Plc
-1.79%
3.80
18.71%
Sri Lanka CSE All Share
11.95%
0.72
16.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.20%
EBIT Growth (5y)
39.86%
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
37.08%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.90
EV to EBIT
5.21
EV to EBITDA
4.80
EV to Capital Employed
0.93
EV to Sales
1.36
PEG Ratio
0.38
Dividend Yield
NA
ROCE (Latest)
17.90%
ROE (Latest)
17.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NET PROFIT(HY)
At LKR 16,630.46 MM has Grown at 82.74%
CREDIT DEPOSIT RATIO(HY)
Highest at 83.92%
-4What is not working for the Company
OPERATING PROFIT(Q)
Lowest at LKR 8,741.21 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 17.5 %
PRE-TAX PROFIT(Q)
Lowest at LKR 9,425.62 MM
Here's what is working for Sampath Bank Plc
Net Profit
At LKR 16,630.46 MM has Grown at 82.74%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
Credit Deposit Ratio
Highest at 83.92%
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 (%)
Here's what is not working for Sampath Bank Plc
Operating Profit
Lowest at LKR 8,741.21 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (LKR MM)
Operating Profit Margin
Lowest at 17.5 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at LKR 9,425.62 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (LKR MM)
Pre-Tax Profit
At LKR 9,425.62 MM has Fallen at -29.72%
over average net sales of the previous four periods of LKR 13,412.2 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (LKR MM)
Capital Adequacy Ratio
Lowest at 13.44%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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