IFIC Bank (DHA:IFIC) Financial Strength: 4 (As of Jun. 2026) — 20% Below Median

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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DHA:IFIC IFIC Bank PLC DHA:IFIC
28 GF Score
Price BDT4.80
! 1 Warning Sign
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What is IFIC Bank Financial Strength?

IFIC Bank DHA:IFIC +2.13% 28 Financial Strength is 4 as of Jun. 2026, which is 20% below its 10-year median of 5.00. GuruFocus rates DHA:IFIC with a GF Score™ of 28/100. The stock has 1 warning sign investors should review.

IFIC Bank has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.

A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

GuruFocus does not calculate IFIC Bank's interest coverage with the available data. IFIC Bank's debt to revenue ratio for the quarter that ended in Jun. 2026 was -0.57. Altman Z-Score does not apply to banks and insurance companies.

IFIC Bank  (DHA:IFIC) Financial Strength Explanation

The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.

IFIC Bank has the Financial Strength Rank of 4.

IFIC Bank Financial Strength Related Terms

DHA:IFIC
28GF Score
IFIC Bank PLC DHA:IFIC
Financial Strength is just one metric. See GF Score™, valuation, warning signs, and more.
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IFIC Bank Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

IFIC Bank's Interest Expense for the months ended in Jun. 2026 was BDT-11,391.32 Mil. Its Operating Income for the months ended in Jun. 2026 was BDT0.00 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was BDT11,392.01 Mil.

IFIC Bank's Interest Coverage for the quarter that ended in Jun. 2026 is

The higher the ratio, the stronger the company's financial strength is.

Good Sign:

Ben Graham prefers companies' interest coverage to be at least 5. IFIC Bank PLC has enough cash to cover all of its debt. Its financial situation is stable.

2. Debt to revenue ratio. The lower, the better.

IFIC Bank's Debt to Revenue Ratio for the quarter that ended in Jun. 2026 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2026 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 11392.005) / -20081.144
=-0.57

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Altman Z-Score does not apply to banks and insurance companies.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Financial Strength →
What does a Financial Strength of 4 mean?
IFIC Bank (DHA:IFIC) has a Financial Strength of 4 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on IFIC Bank and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, IFIC Bank's Financial Strength has ranged from 4.00 to 9.00.
Is IFIC Bank's Financial Strength too high?
IFIC Bank's current Financial Strength of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 9.00. Overall, IFIC Bank has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does IFIC Bank's Financial Strength compare to competitors?
IFIC Bank's Financial Strength of 4 can be compared against companies in the Banks industry. Historically, IFIC Bank's own Financial Strength has ranged from 4.00 to 9.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on IFIC Bank and its competitors. IFIC Bank's current Financial Strength is 4, which is 20% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IFIC Bank stock overvalued right now?
IFIC Bank (DHA:IFIC) has a current Financial Strength of 4. The current Financial Strength is 4, which is 20% below median its 10-year median of 5.00. IFIC Bank's overall GF Score™ is 28/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For IFIC Bank (DHA:IFIC), the current Financial Strength is 4 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

IFIC Bank Business Description

Address 61 Purana Paltan, GPO Box : 2229, IFIC Tower, Dhaka, BGD, 1000
IFIC Bank PLC is a commercial banking company in Bangladesh. The company provides corporate banking, retail banking internet banking, and SME banking. The company is also engaged in Treasury and capital market offering Cash Management, Liquidity Planning, Liquidity Protection, Trading of Foreign Exchange and Money Market Instruments, and Risk Management. Its segments are Corporate; SME; Short term Agri credit; Consumer and Others. It derives interest income from the Conventional banking unit and Off-Shore banking unit.
28GF Score

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Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

BDT4.80
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