Lanka Credit and Business Finance PLC (COSE:LCBF.N0000)

COSE:LCBF.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	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	1,553	1,323	1,202	1,032	504.11	456.26
Total Interest Expense	512.69	476.22	620.16	427.37	104.98	117.1
Net Interest Income	1,041	846.81	582.29	604.62	399.13	339.16
Gain (Loss) on Sale of Investments	2.5	2.5	1.13	2.75	-10.81	-
Other Revenue	96.29	106.51	157.35	44.93	46.4	29.72
Revenue Before Loan Losses	1,139	955.82	740.77	652.3	434.71	368.88
Provision for Loan Losses	27.25	89.46	122.57	90.99	-61.7	22.89
Revenue	1,112	866.36	618.2	561.3	496.41	345.99
Revenue Growth (YoY)	60.87%	40.14%	10.14%	13.07%	43.47%	63.36%
Salaries & Employee Benefits	263.6	240.01	193.8	145.81	106.4	93.72
Cost of Services Provided	24.57	24.57	20.38	19.81	15.94	-
Other Operating Expenses	319.21	243.02	196.72	144.27	90.71	65.55
Total Operating Expenses	707.65	602.96	487.7	371.85	257.89	200.4
Operating Income	404.56	263.39	130.51	189.45	238.52	145.59
Currency Exchange Gain (Loss)	-0.06	-0.06	-0.09	-	-	-
EBT Excluding Unusual Items	404.49	263.33	130.41	189.45	238.52	145.59
Other Unusual Items	0.48	0.48	-	2.65	-	-
Pretax Income	423.85	282.69	148.56	212.55	238.52	100.29
Income Tax Expense	114.17	78.17	26.46	49.78	140.94	75.29
Net Income	309.68	204.51	122.09	162.77	97.58	25
Net Income to Common	309.68	204.51	122.09	162.77	97.58	25
Net Income Growth	118.24%	67.51%	-24.99%	66.80%	290.27%	118.70%
Shares Outstanding (Basic)	768	790	790	790	790	665
Shares Outstanding (Diluted)	768	790	790	790	790	665
Shares Change (YoY)	-6.18%	-	-	-	18.79%	40.35%
EPS (Basic)	0.40	0.26	0.15	0.21	0.12	0.04
EPS (Diluted)	0.40	0.26	0.15	0.21	0.12	0.04
EPS Growth	132.61%	67.51%	-24.99%	66.80%	228.54%	56.63%
Free Cash Flow	-778.43	-1,512	630.82	289.61	-481.8	-401.18
Free Cash Flow Per Share	-1.01	-1.91	0.80	0.37	-0.61	-0.60
Operating Margin	36.37%	30.40%	21.11%	33.75%	48.05%	42.08%
Profit Margin	27.84%	23.61%	19.75%	29.00%	19.66%	7.23%
Free Cash Flow Margin	-69.99%	-174.49%	102.04%	51.60%	-97.06%	-115.95%
Effective Tax Rate	26.94%	27.65%	17.81%	23.42%	59.09%	75.07%

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