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

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