HNB Life PLC (COSE:HASU.N0000)

HNB Life Statistics

Total Valuation

HNB Life has a market cap or net worth of LKR 21.11 billion. The enterprise value is 20.98 billion.

Market Cap	21.11B
Enterprise Value	20.98B

Important Dates

The next estimated earnings date is Tuesday, July 28, 2026.

Earnings Date	Jul 28, 2026
Ex-Dividend Date	Mar 31, 2026

Share Statistics

HNB Life has 150.00 million shares outstanding.

Current Share Class	150.00M
Shares Outstanding	150.00M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	5.86%
Owned by Institutions (%)	7.11%
Float	41.30M

Valuation Ratios

The trailing PE ratio is 8.97.

PE Ratio	8.97
Forward PE	n/a
PS Ratio	0.58
PB Ratio	1.57
P/TBV Ratio	1.63
P/FCF Ratio	4.67
P/OCF Ratio	4.44
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 5.21, with an EV/FCF ratio of 4.64.

EV / Earnings	8.91
EV / Sales	0.58
EV / EBITDA	5.21
EV / EBIT	5.86
EV / FCF	4.64

Financial Position

The company has a current ratio of 1.16, with a Debt / Equity ratio of 0.14.

Current Ratio	1.16
Quick Ratio	0.72
Debt / Equity	0.14
Debt / EBITDA	0.46
Debt / FCF	0.41
Interest Coverage	12.35

Financial Efficiency

Return on equity (ROE) is 18.33% and return on invested capital (ROIC) is 16.57%.

Return on Equity (ROE)	18.33%
Return on Assets (ROA)	2.90%
Return on Invested Capital (ROIC)	16.57%
Return on Capital Employed (ROCE)	4.80%
Weighted Average Cost of Capital (WACC)	8.65%
Revenue Per Employee	22.54M
Profits Per Employee	1.46M
Employee Count	1,609
Asset Turnover	0.47
Inventory Turnover	n/a

Taxes

In the past 12 months, HNB Life has paid 993.58 million in taxes.

Income Tax	993.58M
Effective Tax Rate	29.68%

Stock Price Statistics

The stock price has increased by +75.94% in the last 52 weeks. The beta is 0.76, so HNB Life's price volatility has been lower than the market average.

Beta (5Y)	0.76
52-Week Price Change	+75.94%
50-Day Moving Average	134.66
200-Day Moving Average	115.39
Relative Strength Index (RSI)	48.05
Average Volume (20 Days)	n/a

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, HNB Life had revenue of LKR 36.26 billion and earned 2.35 billion in profits. Earnings per share was 15.69.

Revenue	36.26B
Gross Profit	15.33B
Operating Income	3.58B
Pretax Income	3.35B
Net Income	2.35B
EBITDA	3.80B
EBIT	3.58B
Earnings Per Share (EPS)	15.69

Balance Sheet

The company has 3.65 billion in cash and 1.86 billion in debt, with a net cash position of 132.64 million or 0.88 per share.

Cash & Cash Equivalents	3.65B
Total Debt	1.86B
Net Cash	132.64M
Net Cash Per Share	0.88
Equity (Book Value)	13.44B
Book Value Per Share	89.60
Working Capital	1.87B

Cash Flow

In the last 12 months, operating cash flow was 4.76 billion and capital expenditures -233.11 million, giving a free cash flow of 4.52 billion.

Operating Cash Flow	4.76B
Capital Expenditures	-233.11M
Depreciation & Amortization	n/a
Net Borrowing	-206.72M
Free Cash Flow	4.52B
FCF Per Share	30.16

Margins

Gross margin is 42.27%, with operating and profit margins of 9.87% and 6.49%.

Gross Margin	42.27%
Operating Margin	9.87%
Pretax Margin	9.23%
Profit Margin	6.49%
EBITDA Margin	10.47%
EBIT Margin	9.87%
FCF Margin	12.47%

Dividends & Yields

This stock pays an annual dividend of 5.00, which amounts to a dividend yield of 3.55%.

Dividend Per Share	5.00
Dividend Yield	3.55%
Dividend Growth (YoY)	28.21%
Years of Dividend Growth	n/a
Payout Ratio	24.85%
Buyback Yield	n/a
Shareholder Yield	3.55%
Earnings Yield	11.15%
FCF Yield	21.42%

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 December 7, 2020. It was a forward split with a ratio of 3.

Last Split Date	Dec 7, 2020
Split Type	Forward
Split Ratio	3

Scores

Altman Z-Score	n/a
Piotroski F-Score	6