Commercial Credit and Finance PLC (COSE:COCR.N0000)

COSE:COCR.N0000 Income Statement

Financials in millions LKR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	28,464	27,338	29,329	25,055	18,365	16,087
Total Interest Expense	8,731	9,454	14,431	13,948	6,416	7,052
Net Interest Income	19,733	17,884	14,898	11,107	11,949	9,035
Commissions and Fees	2,705	2,645	2,572	2,968	1,797	1,073
Other Revenue	14.45	13.57	22.38	60.99	109.11	109.51
Revenue Before Loan Losses	22,452	20,542	17,493	14,136	13,855	10,217
Provision for Loan Losses	325.83	1,507	4,239	3,415	1,756	1,621
Revenue	22,126	19,035	13,254	10,722	12,099	8,596
Revenue Growth (YoY)	52.59%	43.62%	23.62%	-11.39%	40.76%	-2.83%
Salaries & Employee Benefits	3,467	3,410	2,874	3,569	2,787	2,455
Cost of Services Provided	349.7	349.7	255.14	250.58	284.83	442.84
Other Operating Expenses	6,745	5,988	4,439	2,752	2,311	2,089
Total Operating Expenses	11,132	10,318	8,077	6,892	5,919	5,573
Operating Income	10,994	8,717	5,176	3,829	6,180	3,023
Earnings From Equity Investments	322.12	322.12	183.63	41.67	-10.57	-49.18
EBT Excluding Unusual Items	11,316	9,039	5,360	3,871	6,170	2,974
Gain (Loss) on Sale of Investments	-144.61	-144.61	4.09	-8.58	-22.35	-
Pretax Income	11,899	9,622	5,739	3,886	6,391	3,192
Income Tax Expense	4,309	3,475	2,098	1,270	1,871	857.64
Earnings From Continuing Ops.	7,590	6,147	3,641	2,616	4,520	2,335
Net Income	7,590	6,147	3,641	2,616	4,520	2,335
Net Income to Common	7,590	6,147	3,641	2,616	4,520	2,335
Net Income Growth	93.73%	68.84%	39.16%	-42.12%	93.61%	16.43%
Shares Outstanding (Basic)	318	318	318	318	318	318
Shares Outstanding (Diluted)	318	318	318	318	318	318
Shares Change (YoY)	0.05%	-	-	-	-	-
EPS (Basic)	23.85	19.33	11.45	8.23	14.21	7.34
EPS (Diluted)	23.85	19.33	11.45	8.23	14.21	7.34
EPS Growth	93.63%	68.84%	39.16%	-42.12%	93.60%	16.51%
Free Cash Flow	6,512	9,265	3,586	8,342	800.95	3,618
Free Cash Flow Per Share	20.46	29.13	11.27	26.23	2.52	11.38
Dividend Per Share	-	-	4.000	1.000	3.000	1.500
Dividend Growth	-	-	300.00%	-66.67%	100.00%	-
Operating Margin	49.69%	45.79%	39.05%	35.72%	51.08%	35.17%
Profit Margin	34.31%	32.29%	27.47%	24.40%	37.36%	27.16%
Free Cash Flow Margin	29.43%	48.67%	27.06%	77.81%	6.62%	42.09%
Effective Tax Rate	36.21%	36.11%	36.56%	32.68%	29.27%	26.86%
Revenue as Reported	32,929	31,753	33,373	28,998	21,820	18,192

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.