ScoreWhy is Union Bank of Colombo Plc ?
1
The company has declared positive results in Dec'2024 after 4 consecutive negative quarters
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
- NII(Q) Highest at LKR 1,640.64 MM
- NET SALES(Q) Highest at LKR 4,230.39 MM
2
With ROA of 0.14%, it has a fair valuation with a 0.93 Price to Book Value
- Over the past year, while the stock has generated a return of 52.58%, its profits have fallen by -35%
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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Union Bank of Colombo Plc
54.17%
1.10
42.11%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.40%
EBIT Growth (5y)
-178.28%
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
63
Industry P/E
Price to Book Value
0.93
EV to EBIT
-308.28
EV to EBITDA
59.74
EV to Capital Employed
0.97
EV to Sales
2.81
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
-0.31%
ROE (Latest)
1.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at LKR 1,640.64 MM
NET SALES(Q)
Highest at LKR 4,230.39 MM
PRE-TAX PROFIT(Q)
Highest at LKR 364.63 MM
NET PROFIT(Q)
Highest at LKR 199.28 MM
EPS(Q)
Highest at LKR 0.18
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Union Bank of Colombo Plc
Net Profit
At LKR 199.28 MM has Grown at 171.06%
over average net sales of the previous four periods of LKR 73.52 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (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 (%)
NII
Highest at LKR 1,640.64 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (LKR MM)
Net Sales
Highest at LKR 4,230.39 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Pre-Tax Profit
Highest at LKR 364.63 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Pre-Tax Profit
At LKR 364.63 MM has Grown at 101.8%
over average net sales of the previous four periods of LKR 180.69 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Net Profit
Highest at LKR 199.28 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
EPS
Highest at LKR 0.18
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (LKR)
Here's what is not working for Union Bank of Colombo Plc
Capital Adequacy Ratio
Lowest at 13.8%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
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