CZFS
Citizens Financial·NASDAQ
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1.70 / 10
Underperform
CZFS shows weak fundamental health (1.7/10). Key concerns include subpar net profit attributable to shareholders ratio and asset-to-market-value discrepancy. However, gross profit margin (36.7%) and total profit to EBIT ratio (100%) remain strong, offering some resilience. Overall, the company is viewed defensively.
Analysis Checks(4/10)
Net assets per share (growth rate compared to beginning of year %)
Value8.26
Score2/3
Weight9.19%
1M Return3.75%
Value8.26
Score2/3
Weight9.19%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.30%
1M Return3.05%
Value100.00
Score1/3
Weight7.30%
1M Return3.05%
Profit-MV
Value0.41
Score0/3
Weight11.90%
1M Return4.15%
Value0.41
Score0/3
Weight11.90%
1M Return4.15%
PB-ROE
Value1.41
Score2/3
Weight13.85%
1M Return5.42%
Value1.41
Score2/3
Weight13.85%
1M Return5.42%
Asset-MV
Value-0.50
Score1/3
Weight17.33%
1M Return5.76%
Value-0.50
Score1/3
Weight17.33%
1M Return5.76%
Revenue-MV
Value0.16
Score0/3
Weight7.89%
1M Return3.16%
Value0.16
Score0/3
Weight7.89%
1M Return3.16%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.34%
1M Return3.43%
Value36.70
Score3/3
Weight8.34%
1M Return3.43%
Total profit (YoY growth rate %)
Value33.20
Score1/3
Weight8.15%
1M Return3.23%
Value33.20
Score1/3
Weight8.15%
1M Return3.23%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.34%
1M Return3.43%
Value100.00
Score3/3
Weight8.34%
1M Return3.43%
Cash-MV
Value0.14
Score0/3
Weight7.72%
1M Return3.01%
Value0.14
Score0/3
Weight7.72%
1M Return3.01%
Net assets per share (growth rate compared to beginning of year %)
Value8.26
Score2/3
Weight9.19%
1M Return3.75%
Value8.26
Score2/3
Weight9.19%
1M Return3.75%
Revenue-MV
Value0.16
Score0/3
Weight7.89%
1M Return3.16%
Value0.16
Score0/3
Weight7.89%
1M Return3.16%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.30%
1M Return3.05%
Value100.00
Score1/3
Weight7.30%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.34%
1M Return3.43%
Value36.70
Score3/3
Weight8.34%
1M Return3.43%
Profit-MV
Value0.41
Score0/3
Weight11.90%
1M Return4.15%
Value0.41
Score0/3
Weight11.90%
1M Return4.15%
Total profit (YoY growth rate %)
Value33.20
Score1/3
Weight8.15%
1M Return3.23%
Value33.20
Score1/3
Weight8.15%
1M Return3.23%
PB-ROE
Value1.41
Score2/3
Weight13.85%
1M Return5.42%
Value1.41
Score2/3
Weight13.85%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.34%
1M Return3.43%
Value100.00
Score3/3
Weight8.34%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight17.33%
1M Return5.76%
Value-0.50
Score1/3
Weight17.33%
1M Return5.76%
Cash-MV
Value0.14
Score0/3
Weight7.72%
1M Return3.01%
Value0.14
Score0/3
Weight7.72%
1M Return3.01%
Is CZFS fundamentally strong?
- CZFS scores 1.70/10 on fundamentals and holds a Premium valuation at present. Backed by its 8.32% ROE, 31.27% net margin, 10.00 P/E ratio, 0.96 P/B ratio, and 23.88% earnings growth, these metrics solidify its Underperform investment rating.
