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SMB Finance PLC (COSE:SEMB.N0000)
Sri Lanka flag Sri Lanka · Delayed Price · Currency is LKR
0.00
0.00 (0.00%)
Price not available due to exchange restrictions

SMB Finance Financials Overview

Millions LKR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
655.65553.21480.98388.09208.23192.49
Revenue Growth
20.78%15.02%23.93%86.38%8.18%50.12%
Net Income
199.53159.93150.97119.974.2845.53
Earnings Per Share
0.020.020.020.010.010.00
EPS Growth
33.56%5.93%58.05%28.60%63.16%-

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Loans
245.12153.63179.23208.09103.2162.66
Unallocated
-15.47-13.12-18.04-56.8383.7366.56
Gold Loan
131.9994.9269.57---
Treasury
158.37164.58180.59247.39147.3756.65
Leasing
135.64153.275.6779.982.2466.99
Total
655.66553.21487.02478.56416.54294.46

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
2,9793,0632,9692,6592,4572,524
Total Debt
2,6572,7742,1271,6581,710665.26
Net Cash (Debt)
321.33288.77842.391,002746.831,858
Net Cash Growth
-18.20%-65.72%-15.90%34.12%-59.81%-
Net Cash Per Share
0.030.030.090.100.080.19

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
220.72-446.06-207.63546.69-671.29-34.42
Capital Expenditures
-7.99-31.93-34.34-48.95-256.91-2.86
Free Cash Flow
212.73-477.99-241.98497.74-928.2-37.28
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
30.43%28.91%31.39%30.89%35.67%23.66%
FCF Margin
32.45%-86.40%-50.31%128.25%-445.76%-19.37%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
52.8736.0340.4140.0982.13374.22
P/FCF Ratio
37.80--9.66--
PS Ratio
12.2710.4212.6812.3929.3088.52