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

Sri Lanka · Delayed Price · Currency is LKR

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0.00 (0.00%)

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COSE:LCBF.N0000 Financials Overview

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

Millions LKR. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Revenue	1,229	1,185	866.36	618.2	561.3	496.41
Revenue Growth	25.28%	36.81%	40.14%	10.14%	13.07%	43.47%
Operating Income	407.59	399.48	263.39	130.51	189.45	238.52
Net Income	276.95	281.83	204.51	122.09	162.77	97.58
Earnings Per Share	0.35	0.36	0.26	0.15	0.21	0.12
EPS Growth	4.76%	37.80%	67.51%	-24.99%	66.80%	228.54%

Revenue by Segment

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Loans	1,692	1,565	1,037	936.67	768.06	436.1
Lease & Hire Purchase	347.01	338.83	269.86	117.98	91.08	51.65
Other	120.17	109.98	148.84	325.06	244.88	53.82
Total	2,159	2,013	1,456	1,380	1,104	541.56

Cash & Debt

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Cash & Investments	285.59	907.04	238.79	1,039	399.35	248.94
Total Debt	2,689	2,960	1,219	675.42	638.61	659.18
Net Cash (Debt)	-2,403	-2,053	-980.46	363.75	-239.26	-410.23
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-3.01	-2.60	-1.24	0.46	-0.30	-0.52

Cash Flow & CapEx

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Cash Flow	-596.23	-314.8	-1,479	724.32	338.82	-412.17
Capital Expenditures	-74.27	-53.38	-32.44	-93.5	-49.21	-69.63
Free Cash Flow	-670.5	-368.18	-1,512	630.82	289.61	-481.8
Free Cash Flow Growth	-	-	-	117.82%	-	-

Margins

Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun '26 Jun 30, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
Operating Margin	33.17%	33.70%	30.40%	21.11%	33.75%	48.05%
Pretax Margin	36.43%	37.08%	32.63%	24.03%	37.87%	48.05%
Profit Margin	22.54%	23.78%	23.61%	19.75%	29.00%	19.66%
FCF Margin	-54.57%	-31.06%	-174.49%	102.04%	51.60%	-97.06%

Valuation

Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug '26 Aug 24, 2026	Mar '26 Mar 31, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022
PE Ratio	17.58	21.31	10.05	14.24	12.14	17.81
P/FCF Ratio	-	-	-	2.76	6.82	-
PS Ratio	3.92	5.07	2.37	2.81	3.52	3.50