Overall Score

Environmental

No material environmental disclosure or controversy updates in the latest data.

Capital intensity remains modest, with capex-to-revenue at 2.7% and capex-to-operating-cash-flow at 23.6%.

Social

The pawn/consumer lending model continues to serve liquidity-constrained customers, supporting financial inclusion.

Operating metrics remain stable, with gross margin at 57.9% and net margin at 10.0%, suggesting no near-term stress that would force customer-facing cutbacks.

Governance

Balance sheet liquidity is strong, with a current ratio of 4.81x and cash ratio of 1.34x.

Leverage remains manageable at 0.70x debt-to-equity and 1.81x net debt-to-EBITDA, supporting financial resilience.

Interest coverage of 6.67x and debt service coverage of 6.70x indicate adequate creditor protection.