What is Cim Financial Services Financial Strength?
Cim Financial Services has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Cim Financial Services Ltd displays poor financial strength. Usually, this is caused by too much debt for the company.
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 Cim Financial Services's interest coverage with the available data.
Cim Financial Services's debt to revenue ratio for the quarter that ended in Mar. 2025 was 4.37.
As of today, Cim Financial Services's Altman Z-Score is 1.94.
Competitive Comparison of Cim Financial Services's Financial Strength
For the Credit Services subindustry, Cim Financial Services's Financial Strength, along with its competitors' market caps and Financial Strength data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cim Financial Services's Financial Strength Distribution in the Credit Services Industry
For the Credit Services industry and Financial Services sector, Cim Financial Services's Financial Strength distribution charts can be found below:
* The bar in red indicates where Cim Financial Services's Financial Strength falls into.
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:
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.
Cim Financial Services has a Z-score of 1.94, indicating it is in Grey Zones. This implies that Cim Financial Services is in some kind of financial stress. If it is below 1.81, the company may faces bankrupcy risk.
Warning Sign:
Altman Z-score of 1.94 is in the grey area. This implies that the company is under some kind of financial stress. If it is below 1.8, the company may face bankruptcy risk.
* 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.
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.
Cim Financial Services has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Cim Financial Services Financial Strength Related Terms
Thank you for viewing the detailed overview of Cim Financial Services's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.
Cim Financial Services Ltd offers financial services in Mauritius. It offers services such as Consumer Finance, Cards & Payments, Leasing and Factoring among others. The company's operating segment includes Finance and Investments. It generates maximum revenue from the Finance segment which includes activities such as consumer credit, leasing, card acquiring and issuing, factoring, and foreign exchange dealing. Operates in Mauritius and Kenya and gained revenue from Mauritius.
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