COSE:SDF.N0000 Income Statement

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

Millions LKR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Interest and Dividend Income	5,307	4,064	3,102	2,461	1,822	1,585
Total Interest Expense	2,022	1,424	1,322	1,222	562.12	623.35
Net Interest Income	3,285	2,639	1,780	1,240	1,260	961.4
Commissions and Fees	410.77	268.01	172.89	114.19	63.59	35.86
Revenue Before Loan Losses	3,696	2,907	1,952	1,354	1,324	997.25
Provision for Loan Losses	519.16	438.9	332.53	63.09	192.62	60.09
Revenue	3,177	2,469	1,620	1,291	1,131	937.16
Revenue Growth (YoY)	40.32%	52.39%	25.49%	14.11%	20.70%	11.33%
Salaries & Employee Benefits	913.76	699.47	533.7	464.03	440.42	374.1
Cost of Services Provided	99.68	99.68	62.1	50.15	44.43	34.58
Other Operating Expenses	850.23	696.85	519.06	372.57	293.68	241.4
Total Operating Expenses	2,034	1,639	1,231	987.08	879.29	760.18
Operating Income	1,142	829.36	388.52	303.73	251.88	176.98
EBT Excluding Unusual Items	1,142	829.36	388.52	303.73	251.88	176.98
Pretax Income	1,143	829.6	409.26	300.13	268.71	266.83
Income Tax Expense	455	355.79	159.66	78.48	53.24	83.48
Earnings From Continuing Ops.	687.7	473.81	249.6	221.65	215.47	183.36
Net Income	687.7	473.81	249.6	221.65	215.47	183.36
Net Income to Common	687.7	473.81	249.6	221.65	215.47	183.36
Net Income Growth	55.81%	89.83%	12.61%	2.87%	17.51%	80.26%
Shares Outstanding (Basic)	150	150	150	150	116	72
Shares Outstanding (Diluted)	150	150	150	150	116	72
Shares Change (YoY)	-	-	-	28.85%	61.48%	6.51%
EPS (Basic)	4.60	3.17	1.67	1.48	1.86	2.55
EPS (Diluted)	4.60	3.17	1.67	1.48	1.86	2.55
EPS Growth	55.81%	89.83%	12.61%	-20.17%	-27.23%	69.24%
Free Cash Flow	-10,609	-3,833	-1,206	1,577	-1,420	-951.92
Free Cash Flow Per Share	-70.92	-25.63	-8.06	10.54	-12.23	-13.24
Dividend Per Share	1.250	1.250	0.650	0.750	1.000	-
Dividend Growth	92.31%	92.31%	-13.33%	-25.00%	-	-
Operating Margin	35.96%	33.60%	23.98%	23.53%	22.27%	18.88%
Profit Margin	21.65%	19.19%	15.41%	17.17%	19.05%	19.56%
Free Cash Flow Margin	-333.98%	-155.29%	-74.44%	122.19%	-125.50%	-101.57%
Effective Tax Rate	39.82%	42.89%	39.01%	26.15%	19.81%	31.29%

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