ScoreWhy is Seylan Bank Plc ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
Positive results in Sep 25
- OPERATING CASH FLOW(Y) Highest at LKR 20,926.01 MM
- ROCE(HY) Highest at 1.49%
- NET PROFIT(Q) Highest at LKR 2,887.51 MM
3
With ROA of 1.00%, it has a attractive valuation with a 0.76 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 44.19%, its profits have risen by 60% ; the PEG ratio of the company is 0.1
4
Consistent Returns over the last 3 years
- Along with generating 44.19% 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 buy?
- Overall Portfolio exposure to Seylan 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 Seylan Bank Plc for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Seylan Bank Plc
44.75%
4.57
25.67%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.80%
EBIT Growth (5y)
25.49%
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
22.00%
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
0.76
EV to EBIT
5.07
EV to EBITDA
4.58
EV to Capital Employed
0.78
EV to Sales
0.75
PEG Ratio
0.11
Dividend Yield
NA
ROCE (Latest)
15.30%
ROE (Latest)
13.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 20,926.01 MM
ROCE(HY)
Highest at 1.49%
NET PROFIT(Q)
Highest at LKR 2,887.51 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 93.2%
NET SALES(Q)
Highest at LKR 20,660.56 MM
OPERATING PROFIT(Q)
Highest at LKR 4,435.22 MM
OPERATING PROFIT MARGIN(Q)
Highest at 21.47 %
PRE-TAX PROFIT(Q)
Highest at LKR 4,455.61 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.49%
Here's what is working for Seylan Bank Plc
Net Profit
Highest at LKR 2,887.51 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (LKR MM)
Operating Cash Flow
Highest at LKR 20,926.01 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Net Sales
Highest at LKR 20,660.56 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Operating Profit
Highest at LKR 4,435.22 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (LKR MM)
Operating Profit Margin
Highest at 21.47 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at LKR 4,455.61 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Credit Deposit Ratio
Highest at 93.2%
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 (%)
Depreciation
Highest at LKR 364.74 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
Here's what is not working for Seylan Bank Plc
Capital Adequacy Ratio
Lowest at 12.42%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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