ScoreWhy is Union Bank of Colombo Plc ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at LKR 2,666.91 MM
- NII(Q) Highest at LKR 2,008.95 MM
- NET PROFIT(HY) At LKR 428.81 MM has Grown at 83.93%
2
With ROA of 0.27%, it has a expensive valuation with a 0.77 Price to Book Value
- Over the past year, while the stock has generated a return of 21.10%, its profits have risen by 117% ; the PEG ratio of the company is 0.2
3
Underperformed the market in the last 1 year
- The stock has generated a return of 21.10% in the last 1 year, much lower than market (Sri Lanka CSE All Share) returns of 32.72%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Union Bank of Colombo 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 Union Bank of Colombo Plc for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Union Bank of Colombo Plc
-100.0%
0.85
35.91%
Sri Lanka CSE All Share
32.72%
1.90
17.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.50%
EBIT Growth (5y)
-7.86%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
24
Industry P/E
Price to Book Value
0.77
EV to EBIT
156.86
EV to EBITDA
34.48
EV to Capital Employed
0.91
EV to Sales
2.67
PEG Ratio
0.21
Dividend Yield
NA
ROCE (Latest)
0.58%
ROE (Latest)
3.17%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 2,666.91 MM
NII(Q)
Highest at LKR 2,008.95 MM
NET PROFIT(HY)
At LKR 428.81 MM has Grown at 83.93%
ROCE(HY)
Highest at 0.39%
NET SALES(Q)
Highest at LKR 4,977.26 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
-2What is not working for the Company
ROCE(HY)
Lowest at 0.39%
Here's what is working for Union Bank of Colombo Plc
NII
Highest at LKR 2,008.95 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at LKR 2,666.91 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)
Net Sales
Highest at LKR 4,977.26 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 (%)
Net Profit
At LKR 428.81 MM has Grown at 83.93%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
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