Business Description
Citizen Bank International Ltd
ISIN : NPE011A00004
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Traded in other countries / regions
CZBIL.Nepal IPO Date
2009-05-25Description
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 3.04 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 0.3 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 4/9 | |||||
| Beneish M-Score | -2.71 | |||||
| WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 1 | |||||
| 3-Year EPS without NRI Growth Rate | -18.6 | |||||
| 3-Year FCF Growth Rate | -17.1 | |||||
| 3-Year Book Growth Rate | 0.2 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 40.49 | |||||
| 9-Day RSI | 42.96 | |||||
| 14-Day RSI | 45.49 | |||||
| 6-1 Month Momentum % | 46.88 | |||||
| 12-1 Month Momentum % | 34.46 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.45 | |||||
| Dividend Payout Ratio | 0.6 | |||||
| 3-Year Dividend Growth Rate | 0.1 | |||||
| 5-Year Yield-on-Cost % | 2.45 | |||||
| 3-Year Average Share Buyback Ratio | -4.1 | |||||
| Shareholder Yield % | -6.08 |
Profitability Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 18.94 | |||||
| FCF Margin % | 75.35 | |||||
| ROE % | 6.48 | |||||
| ROA % | 0.64 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 24.69 | |||||
| PE Ratio without NRI | 24.69 | |||||
| Shiller PE Ratio | 10.21 | |||||
| Price-to-Owner-Earnings | 28.67 | |||||
| PEG Ratio | 4.75 | |||||
| PS Ratio | 4.67 | |||||
| PB Ratio | 1.56 | |||||
| Price-to-Tangible-Book | 1.58 | |||||
| Price-to-Free-Cash-Flow | 6.2 | |||||
| Price-to-Operating-Cash-Flow | 5.29 | |||||
| EV-to-Revenue | 2.84 | |||||
| EV-to-FCF | 3.78 | |||||
| Price-to-Projected-FCF | 0.56 | |||||
| Price-to-Median-PS-Value | 0.87 | |||||
| Price-to-Peter-Lynch-Fair-Value | 3.96 | |||||
| Price-to-Graham-Number | 1.31 | |||||
| FCF Yield % | 16.09 | |||||
| Forward Rate of Return (Yacktman) % | 17.99 |
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