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

COSE:LCBF.N0000 Statistics

Total Valuation

COSE:LCBF.N0000 has a market cap or net worth of LKR 6.32 billion.

Market Cap	6.32B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, May 26, 2026.

Earnings Date	May 26, 2026
Ex-Dividend Date	n/a

Share Statistics

COSE:LCBF.N0000 has 790.17 million shares outstanding. The number of shares has increased by 3.95% in one year.

Current Share Class	790.17M
Shares Outstanding	790.17M
Shares Change (YoY)	+3.95%
Shares Change (QoQ)	-0.45%
Owned by Insiders (%)	18.06%
Owned by Institutions (%)	1.25%
Float	178.73M

Valuation Ratios

The trailing PE ratio is 19.72.

PE Ratio	19.72
Forward PE	n/a
PS Ratio	5.35
PB Ratio	1.93
P/TBV Ratio	1.96
P/FCF Ratio	n/a
P/OCF Ratio	n/a
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 1.76, with a Debt / Equity ratio of 0.69.

Current Ratio	1.76
Quick Ratio	1.76
Debt / Equity	0.69
Debt / EBITDA	n/a
Debt / FCF	-2.03
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.43% and return on invested capital (ROIC) is 6.11%.

Return on Equity (ROE)	10.43%
Return on Assets (ROA)	3.42%
Return on Invested Capital (ROIC)	6.11%
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.58%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	118
Asset Turnover	0.12
Inventory Turnover	n/a

Taxes

In the past 12 months, COSE:LCBF.N0000 has paid 110.17 million in taxes.

Income Tax	110.17M
Effective Tax Rate	25.02%

Stock Price Statistics

The stock price has increased by +196.30% in the last 52 weeks. The beta is 0.60, so COSE:LCBF.N0000's price volatility has been lower than the market average.

Beta (5Y)	0.60
52-Week Price Change	+196.30%
50-Day Moving Average	8.29
200-Day Moving Average	7.39
Relative Strength Index (RSI)	49.88
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, COSE:LCBF.N0000 had revenue of LKR 1.18 billion and earned 330.08 million in profits. Earnings per share was 0.41.

Revenue	1.18B
Gross Profit	1.18B
Operating Income	420.96M
Pretax Income	440.25M
Net Income	330.08M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.41

Balance Sheet

The company has 125.66 million in cash and 2.24 billion in debt, with a net cash position of -2.11 billion or -2.68 per share.

Cash & Cash Equivalents	125.66M
Total Debt	2.24B
Net Cash	-2.11B
Net Cash Per Share	-2.68
Equity (Book Value)	3.27B
Book Value Per Share	4.14
Working Capital	4.32B

Cash Flow

In the last 12 months, operating cash flow was -1.05 billion and capital expenditures -55.47 million, giving a free cash flow of -1.10 billion.

Operating Cash Flow	-1.05B
Capital Expenditures	-55.47M
Depreciation & Amortization	96.29M
Net Borrowing	1.09B
Free Cash Flow	-1.10B
FCF Per Share	-1.40

Margins

Gross margin is 100.00%, with operating and profit margins of 35.66% and 27.96%.

Gross Margin	100.00%
Operating Margin	35.66%
Pretax Margin	37.29%
Profit Margin	27.96%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.30, which amounts to a dividend yield of 3.75%.

Dividend Per Share	0.30
Dividend Yield	3.75%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	2
Payout Ratio	36.97%
Buyback Yield	-3.95%
Shareholder Yield	-0.20%
Earnings Yield	5.22%
FCF Yield	-17.47%

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

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4