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

COSE:COCR.N0000 Statistics

Total Valuation

COSE:COCR.N0000 has a market cap or net worth of LKR 46.92 billion.

Market Cap	46.92B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, October 31, 2025.

Earnings Date	Oct 31, 2025
Ex-Dividend Date	Oct 1, 2025

Share Statistics

COSE:COCR.N0000 has 318.07 million shares outstanding. The number of shares has increased by 0.05% in one year.

Current Share Class	318.07M
Shares Outstanding	318.07M
Shares Change (YoY)	+0.05%
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	7.95%
Owned by Institutions (%)	2.28%
Float	n/a

Valuation Ratios

The trailing PE ratio is 6.18.

PE Ratio	6.18
Forward PE	n/a
PS Ratio	2.12
PB Ratio	1.53
P/TBV Ratio	1.57
P/FCF Ratio	7.20
P/OCF Ratio	6.73
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.50, with a Debt / Equity ratio of 0.49.

Current Ratio	1.50
Quick Ratio	1.41
Debt / Equity	0.49
Debt / EBITDA	n/a
Debt / FCF	2.32
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 27.27%.

Return on Equity (ROE)	27.27%
Return on Assets (ROA)	7.02%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	6.64M
Profits Per Employee	2.28M
Employee Count	3,334
Asset Turnover	0.20
Inventory Turnover	n/a

Taxes

In the past 12 months, COSE:COCR.N0000 has paid 4.31 billion in taxes.

Income Tax	4.31B
Effective Tax Rate	36.21%

Stock Price Statistics

The stock price has increased by +315.49% in the last 52 weeks. The beta is 1.18, so COSE:COCR.N0000's price volatility has been higher than the market average.

Beta (5Y)	1.18
52-Week Price Change	+315.49%
50-Day Moving Average	126.17
200-Day Moving Average	79.73
Relative Strength Index (RSI)	72.67
Average Volume (20 Days)	363,377

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, COSE:COCR.N0000 had revenue of LKR 22.13 billion and earned 7.59 billion in profits. Earnings per share was 23.85.

Revenue	22.13B
Gross Profit	22.13B
Operating Income	10.99B
Pretax Income	11.90B
Net Income	7.59B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	23.85

Balance Sheet

The company has 9.84 billion in cash and 15.08 billion in debt, giving a net cash position of -5.24 billion or -16.48 per share.

Cash & Cash Equivalents	9.84B
Total Debt	15.08B
Net Cash	-5.24B
Net Cash Per Share	-16.48
Equity (Book Value)	30.63B
Book Value Per Share	96.30
Working Capital	29.65B

Cash Flow

In the last 12 months, operating cash flow was 6.97 billion and capital expenditures -459.55 million, giving a free cash flow of 6.51 billion.

Operating Cash Flow	6.97B
Capital Expenditures	-459.55M
Free Cash Flow	6.51B
FCF Per Share	20.47

Margins

Gross margin is 100.00%, with operating and profit margins of 49.69% and 34.31%.

Gross Margin	100.00%
Operating Margin	49.69%
Pretax Margin	53.78%
Profit Margin	34.31%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	29.43%

Dividends & Yields

This stock pays an annual dividend of 4.00, which amounts to a dividend yield of 2.72%.

Dividend Per Share	4.00
Dividend Yield	2.72%
Dividend Growth (YoY)	50.00%
Years of Dividend Growth	1
Payout Ratio	16.96%
Buyback Yield	-0.05%
Shareholder Yield	2.67%
Earnings Yield	16.18%
FCF Yield	13.88%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on March 28, 2013. It was a forward split with a ratio of 1.0917149751.

Last Split Date	Mar 28, 2013
Split Type	Forward
Split Ratio	1.0917149751

Scores

Altman Z-Score	n/a
Piotroski F-Score	5