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Bankard, Inc.
Main Activities: Investment Brokerage and Other Financial Investments
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Company Information |
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Full name Bankard, Inc. Headquarters 31/F Robinsons-PCI Bank Tower ADB Ave cor Poveda St Ortigas Ctr; Pasig; National Capital Region; 1605 Legal Address 29/F Robinsons-PCI Bank Tower ADB Ave cor Poveda St Ortigas Ctr; Pasig; National Capital Region; 1605 |
Status: Listed Legal Form: Public Limited Company Operational Status: Operational CIBI: 0000102165 Financial Auditors: Punongbayan & Araullo (2011) Incorporation Date: December 4, 1981 Total Employees: 236 Tel: (63 2) 68818888 |
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Company Description |
| Bankard, Inc. (BKD) is a credit card company. BKD is the credit card arm of Rizal Commercial Banking Corp. The company has credit card lines namely Bankard Mastercard, Bankard JCB, Bankard Visa and the newly launch Bankard Platinum Mastercard known as the Black Card. BKD offers various product features and services such as balance conversion, balance transfer, easy installment program and reward system. The Bankard Phone Interactive gives card members 24-hour access to their account balances, | ||
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Company Analysis |
| According to the Consolidated - Non-Audited financial statement for the first three cumulated quarters of 2012, total net operating revenues increased with 12.20%, from PHP 289,141 thousands to PHP 324,421 thousands. Operating result increased from PHP 93,586 thousands to PHP 96,032 thousands which means 2.61% change. The results of the period increased 2.70% reaching PHP 87,804 thousands at the end of the period against PHP 85,497 thousands last year. Return on equity (Net income/Total equity) went from 10.10% to 8.88%, the Return On Asset (Net income / Total Asset) went from 9.19% to 8.09% and the Net Profit Margin (Net Income/Net Sales) went from 29.57% to 27.06% when compared to the same period of last year. The Debt to Equity Ratio (Total Liabilities/Equity) was 9.70% compared to 9.93% of last year. Finally, the Current Ratio (Current Assets/Current Liabilities) went from 9.17 to 8.62 when compared to the previous year. |
Key Executives |
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Companies with Similar Main Activities |
FULL COMPANY PROFILE
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2012 Y (cons) |
2012 Q3C (cons) |
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| Audited | Non-Audited | |
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| WVB Company Financials | WVB Company Financials | |
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| Unit | Thousands | Thousands |
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Balance Sheet
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Total Assets |
1,111,690 |
1,085,347 |
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Current Assets |
792,378 |
827,440 |
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Total Liabilities |
95,995 |
96,013 |
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Shareholders Equity |
1,015,695 |
989,334 |
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Current Liabilities |
95,995 |
96,013 |
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| * All the accounts are in PHP. | ||
Income Statement
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Total Operating Revenue |
398,480 |
324,421 |
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Operational Profit (Loss) |
94,725 |
96,032 |
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Net Profit (Loss) |
114,125 |
87,804 |
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| * All the accounts are in PHP. | ||
Ratios
| Profitability Ratios | ||
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Return on Assets (ROA) |
10.27% |
8.09% |
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Annualised Return on Assets (ROA) |
10.27% |
10.79% |
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Return on Equity (ROE) |
11.24% |
8.88% |
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Annualised Return on Equity (ROE) |
11.24% |
11.84% |
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Return on Sales (ROS) |
32.2% |
27.06% |
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Return on Capital |
11.24% |
8.88% |
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Gross Profit Margin |
100% |
100% |
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Operating Profit Margin |
16.13% |
31.01% |
| Efficiency Ratios | ||
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Accounts Receivable Turnover |
-x |
5.33x |
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Current asset turnover |
0.45x |
0.39x |
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Fixed-asset turnover |
1.11x |
1.26x |
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Asset Turnover |
0.32x |
0.30x |
| Valuation figures and ratios | ||
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Earning Before Interests and Taxes (EBIT) |
94,725 |
96,032 |
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EBITDA |
101,190 |
100,618 |
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Enterprise value |
369,053 |
416,977 |
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Enterprise Value / EBITDA |
3.65 |
4.14 |
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Bookvalue (BV) |
1,111,690 |
1,085,347 |
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Net Cash |
604,883 |
587,511 |
| Liquidity Ratios | ||
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Current Ratio |
825.44% |
861.8% |
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Quick ratio |
825.25% |
861.8% |
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Doom's day ratio |
730.12% |
711.91% |
| Leverage Ratios | ||
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Leverage ratio |
109.45% |
109.7% |
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Debt to equity |
9.45% |
9.7% |
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Debt to total assets |
8.64% |
8.85% |
| Market ratios | ||
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Market Capitalization/EBITDA |
10.57 |
10.94 |
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Price/Book Ratio |
0.96 |
0.99 |
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Market Cap / Net cash |
1.77 |
1.87 |
| Trend Ratios | ||
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Revenue Trend |
100.08% |
112.2% |
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Net Income Trend |
96.36% |
102.7% |
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Operating Income Trend |
95.13% |
102.61% |
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