PMC Fincorp Limited
PMC Fincorp Limited Fundamental Analysis
PMC Fincorp Limited (PMCFIN.BO) shows moderate financial fundamentals with a PE ratio of 18.36, profit margin of 43.48%, and ROE of 4.64%. The company generates $0.2B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze PMCFIN.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakPMCFIN.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPMCFIN.BO trades at attractive valuation levels.
Growth Score
ModeratePMCFIN.BO shows steady but slowing expansion.
Financial Health Score
ExcellentPMCFIN.BO maintains a strong and stable balance sheet.
Profitability Score
WeakPMCFIN.BO struggles to sustain strong margins.
Key Financial Metrics
Is PMCFIN.BO Expensive or Cheap?
P/E Ratio
PMCFIN.BO trades at 18.36 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PMCFIN.BO's PEG of -0.59 indicates potential undervaluation.
Price to Book
The market values PMC Fincorp Limited at 0.77 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 12.87 times EBITDA. This signals the market has high growth expectations.
How Well Does PMCFIN.BO Make Money?
Net Profit Margin
For every $100 in sales, PMC Fincorp Limited keeps $43.48 as profit after all expenses.
Operating Margin
Core operations generate 44.45 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $4.64 in profit for every $100 of shareholder equity.
ROA
PMC Fincorp Limited generates $3.23 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PMC Fincorp Limited generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
PMC Fincorp Limited generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
PMCFIN.BO converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
18.36
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.59
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.77
vs 25 benchmark
P/S Ratio
Price to sales ratio
7.98
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.26
vs 25 benchmark
Current Ratio
Current assets to current liabilities
662.54
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.05
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How PMCFIN.BO Stacks Against Its Sector Peers
| Metric | PMCFIN.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 18.36 | 19.09 | Neutral |
| ROE | 4.64% | 843.00% | Weak |
| Net Margin | 43.48% | 3730.00% | Weak |
| Debt/Equity | 0.26 | 0.90 | Strong (Low Leverage) |
| Current Ratio | 662.54 | 661.68 | Strong Liquidity |
| ROA | 3.23% | -21651.00% (disorted) | Weak |
PMCFIN.BO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews PMC Fincorp Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical