ScoreWhy is SANASA Development Bank Plc ?
1
Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at LKR 2,795.69 MM
- NET PROFIT(HY) At LKR 211.35 MM has Grown at 244.86%
- CREDIT DEPOSIT RATIO(HY) Highest at 121.28%
2
With ROA of 0.19%, it has a expensive valuation with a 0.68 Price to Book Value
- Over the past year, while the stock has generated a return of 48.04%, its profits have fallen by -55.5%
3
Market Beating Performance
- The stock has generated a return of 48.04% in the last 1 year, much higher than market (Sri Lanka CSE All Share) returns of 32.72%
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
48.04%
1.34
45.65%
Sri Lanka CSE All Share
32.72%
1.90
17.20%
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
31
Industry P/E
Price to Book Value
0.68
EV to EBIT
-280.40
EV to EBITDA
50.57
EV to Capital Employed
0.84
EV to Sales
1.50
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-0.30%
ROE (Latest)
2.18%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 2,795.69 MM
NET PROFIT(HY)
At LKR 211.35 MM has Grown at 244.86%
CREDIT DEPOSIT RATIO(HY)
Highest at 121.28%
-5What is not working for the Company
PRE-TAX PROFIT(Q)
At LKR 105.06 MM has Fallen at -47.48%
NII(Q)
Lowest at LKR 1,971.49 MM
NET PROFIT(Q)
At LKR 60.08 MM has Fallen at -40.65%
Here's what is working for SANASA Development Bank Plc
Operating Cash Flow
Highest at LKR 2,795.69 MM and Grown
In each year 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 121.28%
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
Pre-Tax Profit
At LKR 105.06 MM has Fallen at -47.48%
over average net sales of the previous four periods of LKR 200.04 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (LKR MM)
NII
Lowest at LKR 1,971.49 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (LKR MM)
Net Profit
At LKR 60.08 MM has Fallen at -40.65%
over average net sales of the previous four periods of LKR 101.23 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (LKR MM)
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