LOLC Finance PLC (COSE:LOFC.N0000)

LOLC 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	70,932	68,318	74,994	69,040	30,570	33,762
Total Interest Expense	25,519	26,211	37,019	36,125	8,980	12,447
Net Interest Income	45,414	42,106	37,975	32,915	21,590	21,315
Commissions and Fees	2,737	2,543	2,044	-	-	-
Gain (Loss) on Sale of Investments	-1,844	-1,699	3,349	51.67	518.07	425.52
Other Revenue	-	-	-	-2,434	2,088	505.71
Revenue Before Loan Losses	46,307	42,949	43,368	30,533	24,196	22,246
Provision for Loan Losses	-8,750	-7,250	4,394	178.97	1,917	15,933
Revenue	55,056	50,199	38,974	30,354	22,279	6,313
Revenue Growth (YoY)	25.27%	28.80%	28.40%	36.24%	252.90%	-48.11%
Salaries & Employee Benefits	8,610	7,941	6,886	6,058	3,565	3,157
Cost of Services Provided	4,724	4,724	4,334	12,002	6,733	6,922
Other Operating Expenses	12,031	13,882	12,194	2,921	-2,012	-5,191
Total Operating Expenses	26,932	27,851	24,601	21,716	8,493	5,020
Operating Income	28,124	22,348	14,373	8,638	13,787	1,293
Earnings From Equity Investments	15.32	22.83	33.93	-895.11	-	-
Currency Exchange Gain (Loss)	-	-	-	7,521	-1,905	251.78
EBT Excluding Unusual Items	28,246	22,371	14,407	14,927	11,879	1,375
Gain (Loss) on Sale of Investments	-	-	-	-3,108	-1,073	-238.65
Pretax Income	30,960	25,085	21,547	15,393	17,743	4,497
Income Tax Expense	-	-	-	-	792.05	130.84
Net Income	30,960	25,085	21,547	15,393	16,951	4,366
Net Income to Common	30,960	25,085	21,547	15,393	16,951	4,366
Net Income Growth	28.30%	16.42%	39.98%	-9.19%	288.25%	15.51%
Shares Outstanding (Basic)	32,721	33,079	33,079	21,487	5,250	5,250
Shares Outstanding (Diluted)	32,721	33,079	33,079	21,487	5,250	5,250
Shares Change (YoY)	-0.88%	-	53.95%	309.27%	-	7.58%
EPS (Basic)	0.95	0.76	0.65	0.72	3.23	0.83
EPS (Diluted)	0.95	0.76	0.65	0.72	3.23	0.83
EPS Growth	29.44%	16.42%	-9.08%	-77.81%	288.25%	7.37%
Free Cash Flow	-44,550	-12,074	17,543	19,448	-4,062	37,520
Free Cash Flow Per Share	-1.36	-0.36	0.53	0.91	-0.77	7.15
Operating Margin	51.08%	44.52%	36.88%	28.46%	61.88%	20.48%
Profit Margin	56.23%	49.97%	55.29%	50.71%	76.08%	69.16%
Free Cash Flow Margin	-80.92%	-24.05%	45.01%	64.07%	-18.23%	594.32%
Effective Tax Rate	-	-	-	-	4.46%	2.91%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.