LOLC General Insurance PLC (COSE:LGIL.N0000)

LOLC General Insurance Statistics

Total Valuation

COSE:LGIL.N0000 has a market cap or net worth of LKR 9.24 billion. The enterprise value is 9.38 billion.

Market Cap	9.24B
Enterprise Value	9.38B

Important Dates

The last earnings date was Tuesday, November 11, 2025.

Earnings Date	Nov 11, 2025
Ex-Dividend Date	n/a

Share Statistics

COSE:LGIL.N0000 has 1.20 billion shares outstanding.

Current Share Class	1.20B
Shares Outstanding	1.20B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	2.77%
Owned by Institutions (%)	0.15%
Float	59.31M

Valuation Ratios

The trailing PE ratio is 23.12.

PE Ratio	23.12
Forward PE	n/a
PS Ratio	0.86
PB Ratio	1.26
P/TBV Ratio	1.27
P/FCF Ratio	85.47
P/OCF Ratio	23.33
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.71, with an EV/FCF ratio of 86.79.

EV / Earnings	23.48
EV / Sales	0.88
EV / EBITDA	12.71
EV / EBIT	15.63
EV / FCF	86.79

Financial Position

The company has a current ratio of 0.48, with a Debt / Equity ratio of 0.10.

Current Ratio	0.48
Quick Ratio	0.24
Debt / Equity	0.10
Debt / EBITDA	1.04
Debt / FCF	6.57
Interest Coverage	7.85

Financial Efficiency

Return on equity (ROE) is 5.66% and return on invested capital (ROIC) is 4.43%.

Return on Equity (ROE)	5.66%
Return on Assets (ROA)	1.42%
Return on Invested Capital (ROIC)	4.43%
Return on Capital Employed (ROCE)	6.62%
Revenue Per Employee	n/a
Profits Per Employee	n/a
Employee Count	n/a
Asset Turnover	0.45
Inventory Turnover	n/a

Taxes

In the past 12 months, COSE:LGIL.N0000 has paid 173.83 million in taxes.

Income Tax	173.83M
Effective Tax Rate	30.31%

Stock Price Statistics

The stock price has increased by +24.62% in the last 52 weeks. The beta is 1.24, so COSE:LGIL.N0000's price volatility has been higher than the market average.

Beta (5Y)	1.24
52-Week Price Change	+24.62%
50-Day Moving Average	9.16
200-Day Moving Average	8.63
Relative Strength Index (RSI)	19.94
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:LGIL.N0000 had revenue of LKR 10.69 billion and earned 399.64 million in profits. Earnings per share was 0.33.

Revenue	10.69B
Gross Profit	4.57B
Operating Income	543.96M
Pretax Income	573.48M
Net Income	399.64M
EBITDA	618.51M
EBIT	543.96M
Earnings Per Share (EPS)	0.33

Balance Sheet

The company has 566.98 million in cash and 710.13 million in debt, giving a net cash position of -143.15 million or -0.12 per share.

Cash & Cash Equivalents	566.98M
Total Debt	710.13M
Net Cash	-143.15M
Net Cash Per Share	-0.12
Equity (Book Value)	7.32B
Book Value Per Share	6.10
Working Capital	-8.97B

Cash Flow

In the last 12 months, operating cash flow was 396.00 million and capital expenditures -287.89 million, giving a free cash flow of 108.11 million.

Operating Cash Flow	396.00M
Capital Expenditures	-287.89M
Free Cash Flow	108.11M
FCF Per Share	0.09

Margins

Gross margin is 42.75%, with operating and profit margins of 5.09% and 3.74%.

Gross Margin	42.75%
Operating Margin	5.09%
Pretax Margin	5.36%
Profit Margin	3.74%
EBITDA Margin	5.78%
EBIT Margin	5.09%
FCF Margin	1.01%

Dividends & Yields

COSE:LGIL.N0000 does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	4.33%
FCF Yield	1.17%

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	3