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DSFGY (Dah Sing Financial Holdings) Financial Strength : 4 (As of Dec. 2024)


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What is Dah Sing Financial Holdings Financial Strength?

Dah Sing Financial Holdings 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 Dah Sing Financial Holdings's interest coverage with the available data. Dah Sing Financial Holdings's debt to revenue ratio for the quarter that ended in Dec. 2024 was 0.61. Altman Z-Score does not apply to banks and insurance companies.


Dah Sing Financial Holdings 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:

Dah Sing Financial Holdings's Interest Expense for the months ended in Dec. 2024 was $-409.8 Mil. Its Operating Income for the months ended in Dec. 2024 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $582.6 Mil.

Dah Sing Financial Holdings's Interest Coverage for the quarter that ended in Dec. 2024 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. Dah Sing Financial Holdings Ltd has enough cash to cover all of its debt. Its financial situation is stable.

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

Dah Sing Financial Holdings's Debt to Revenue Ratio for the quarter that ended in Dec. 2024 is

Debt to Revenue Ratio=Total Debt (Q: Dec. 2024 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(0 + 582.649) / 949.506
=0.61

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.


Dah Sing Financial Holdings  (OTCPK:DSFGY) 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.

Dah Sing Financial Holdings has the Financial Strength Rank of 4.


Dah Sing Financial Holdings Financial Strength Related Terms

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Dah Sing Financial Holdings Business Description

Traded in Other Exchanges
Address
248 Queen’s Road East, 26th Floor, Dah Sing Financial Centre, Hong Kong, HKG
Dah Sing Financial Holdings Ltd is an investment holding company. It operates in six segments: Personal banking, Corporate banking, Treasury and Global Markets activities, Mainland China and Macau Banking, Insurance business, and Others. The Personal Banking segment which derives the maximum profit, deals in deposits from individual customers, the extension of residential mortgage lending, personal loans, insurance, and investment services.