Analyze the annual report of TWOCOMPANIES WHICH ARE KAMDAR GROUPAND, LAY HONG BERHAD for five years which are 2016, 2018, 2019, 2020, 2021 in terms of 1 LEVERAGE (Fixed-Payment Coverage Ratio) 2 MARKET (Price/Earnings (P/E) Ratio, Market/Book (M/B) Ratio)