ScoreWhy is SANASA Development Bank Plc ?
1
The company declared very negative results in Dec'24 after flat results in Sep'24
- NET PROFIT(9M) At LKR 161.34 MM has Grown at -71.45%
- CASH AND EQV(HY) Lowest at LKR 5,235.88 MM
2
With ROA of 0.19%, it has a fair valuation with a 0.61 Price to Book Value
- Over the past year, while the stock has generated a return of 76.67%, its profits have fallen by -45.9%
3
Market Beating performance in long term as well as near term
- Along with generating 76.67% returns in the last 1 year, the stock has outperformed 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 SANASA Development 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 SANASA Development Bank Plc for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
SANASA Development Bank Plc
76.67%
1.66
46.44%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.25%
EBIT Growth (5y)
-163.81%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
28
Industry P/E
Price to Book Value
0.61
EV to EBIT
-247.49
EV to EBITDA
38.62
EV to Capital Employed
0.79
EV to Sales
1.28
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-0.32%
ROE (Latest)
2.19%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 3,670.24 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 113.91%
-4What is not working for the Company
NET PROFIT(9M)
At LKR 161.34 MM has Grown at -71.45%
CASH AND EQV(HY)
Lowest at LKR 5,235.88 MM
Here's what is working for SANASA Development Bank Plc
Operating Cash Flow
Highest at LKR 3,670.24 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Credit Deposit Ratio
Highest at 113.91%
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 SANASA Development Bank Plc
Net Profit
At LKR 161.34 MM has Grown at -71.45%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (LKR MM)
Cash and Eqv
Lowest at LKR 5,235.88 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 13.98%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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