LB Finance PLC (COSE:LFIN.N0000)

LB Finance 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	45,097	42,202	46,103	39,974	27,506	27,611
Total Interest Expense	17,810	16,784	21,461	20,664	8,863	11,543
Net Interest Income	27,288	25,418	24,642	19,310	18,643	16,068
Commissions and Fees	5,966	4,643	3,217	2,986	2,475	2,196
Other Revenue	83.37	107.5	149.68	104.4	82.09	92.11
Revenue Before Loan Losses	33,337	30,169	28,009	22,400	21,201	18,356
Provision for Loan Losses	29.34	-261.03	270.09	519.13	1,112	1,728
Revenue	33,307	30,430	27,739	21,881	20,089	16,628
Revenue Growth (YoY)	14.49%	9.70%	26.77%	8.92%	20.81%	4.78%
Salaries & Employee Benefits	5,596	5,268	4,503	3,670	3,247	3,008
Cost of Services Provided	543.12	543.12	544.5	473.5	362.59	248.79
Other Operating Expenses	7,898	7,240	6,500	5,059	3,955	3,317
Total Operating Expenses	15,109	14,052	12,442	10,049	8,372	7,325
Operating Income	18,198	16,377	15,297	11,832	11,717	9,303
EBT Excluding Unusual Items	18,198	16,377	15,297	11,832	11,717	9,303
Pretax Income	18,233	16,413	15,334	11,843	11,721	9,328
Income Tax Expense	6,238	5,551	5,627	3,290	3,245	2,521
Earnings From Continuing Ops.	11,996	10,862	9,707	8,553	8,476	6,807
Minority Interest in Earnings	-	-1.93	6.91	1.66	54.47	-
Net Income	11,996	10,860	9,714	8,555	8,530	6,807
Net Income to Common	11,996	10,860	9,714	8,555	8,530	6,807
Net Income Growth	19.92%	11.80%	13.55%	0.28%	25.32%	30.63%
Shares Outstanding (Basic)	554	554	554	554	554	554
Shares Outstanding (Diluted)	554	554	554	554	554	554
EPS (Basic)	21.64	19.60	17.53	15.44	15.40	12.29
EPS (Diluted)	21.64	19.60	17.53	15.44	15.40	12.29
EPS Growth	19.73%	11.81%	13.54%	0.28%	25.32%	30.63%
Free Cash Flow	-43,558	-11,586	4,899	3,224	-3,607	7,812
Free Cash Flow Per Share	-78.57	-20.91	8.84	5.82	-6.51	14.10
Dividend Per Share	4.250	6.500	5.750	5.000	5.000	7.000
Dividend Growth	-46.88%	13.04%	15.00%	-	-28.57%	-
Operating Margin	54.64%	53.82%	55.15%	54.07%	58.33%	55.95%
Profit Margin	36.02%	35.69%	35.02%	39.09%	42.46%	40.94%
Free Cash Flow Margin	-130.78%	-38.07%	17.66%	14.74%	-17.95%	46.98%
Effective Tax Rate	34.21%	33.82%	36.70%	27.78%	27.68%	27.03%
Revenue as Reported	51,428	47,156	49,636	43,133	30,157	29,930

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