Accept various types of deposits including savings, current, fixed, and foreign currency accounts. Now — the numbers.
This is an established company with proven profits.
Average growth of 19% a year over the last 4 years. Every year shown ended in profit.
The market pays 18.5× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 23% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly above the class average — a step short of the very top.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Clearly above the class average — a step short of the very top.
Clearly below the class average.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades below its recent peak — about 15% off the top. A pullback, not a collapse.
The net profit margin is 17% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 19% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 23/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 30/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 41/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, IBN sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: IBN does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.