IFIC International Finance Investment And Commerce Bank Limited
Bank
Tk 5 as of 2026-11-12 14:06:27
Rank 364 of all scored
Data completeness 60%
Data completeness 60%
Override: Avoid. Negative net asset value.
Score breakdown
Consistency 38
Profitability 0
Solvency 17
Valuation 0
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency EPS rose in only 1 of 4 years (erratic or cyclical)
- Consistency Net loss in 2 of the last 5 years
- Profitability Average ROE only -24.87% (below 9%: capital not working hard)
- Profitability Last year was a net LOSS of Tk 2559.96 cr
- Valuation No P/E: the company is loss-making
Notes
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Mid cap (Tk 200-1,000 cr)
- Low sponsor/director holding (0%): weak commitment
Valuation
P/E
P/E audited
P/E current
P/B
NAV per share
EPS (last audited year)
Graham fair value
Margin of safety
52-week range
38.9% above the low, 28.6% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
ROE
ROE avg
ROE min
Profit CAGR
Profit YoY
Net profit
EPS up
Loss years (last ~5)
Dividends and safety
Div years
Dividend yield
Payout
Cash div
D/E
Their loans are deposits; NPL data is not available
Loans/MCap
Size, liquidity and ownership
MCap
Free float
Daily turnover
Sponsor %
Inst. %
Public %
Foreign %
Shareholding
- Institution 22.7%
- Foreign 0.6%
- Govt 32.8%
- Public 43.9%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | 1.49 | 17.78 | 254 | 0 | 5 |
| 2022 | 1.93 | 18.82 | 344 | 2.5 | 2.5 |
| 2023 | 1.64 | 19.73 | 301 | 0 | 5 |
| 2024 | -0.63 | 18.16 | -121 | — | — |
| 2025 | -13.32 | 4.96 | -2,560 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 34.1%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.