On the stock market since 1980, it operates in the world of money and finance. Now — the numbers.
This is an established company with proven profits.
An average decline of 17% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
The price is looking for direction — no strong breakout, no collapse.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
Revenue Growth: Sales are growing slowly.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 124% — still a thick cushion, though costs have been eating into it lately.
It pays out $3.70 per share each year — regular cash for whoever holds the stock.
The growth engine is running at low revs right now. Report-card grade: 12/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 27/100.
The sales tempo runs behind the sector. Council score: 2/10.
On our five-subject report card, TY sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: TY is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.