SMB Finance PLC (COSE:SEMB.N0000)

Sri Lanka · Delayed Price · Currency is LKR

0.00

0.00 (0.00%)

Price not available due to exchange restrictions

SMB Finance Financials Overview

Financials in millions LKR. Fiscal year is January - December.

Millions LKR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	655.66	553.21	480.98	388.09	208.23	192.49
Revenue Growth	20.78%	15.02%	23.93%	86.38%	8.18%	50.12%
Net Income	199.53	159.93	150.97	119.9	74.28	45.53
Earnings Per Share	0.02	0.02	0.02	0.01	0.01	0.00
EPS Growth	33.55%	5.93%	58.05%	28.60%	63.16%	-

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Gold Loan	94.92	69.57	-	-	-
Leasing	153.2	75.67	79.9	82.24	66.99
Treasury	164.58	180.59	247.39	147.37	56.65
Loans	153.63	179.23	208.09	103.21	62.66
Unallocated	-13.12	-18.04	-56.83	83.73	66.56
Total	553.21	487.02	478.56	416.54	294.46

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	2,979	3,063	2,969	2,659	2,457	2,524
Total Debt	2,657	2,774	2,127	1,658	1,710	665.26
Net Cash (Debt)	321.33	288.77	842.39	1,002	746.83	1,858
Net Cash Growth	-18.20%	-65.72%	-15.90%	34.12%	-59.81%	-
Net Cash Per Share	0.03	0.03	0.09	0.10	0.08	0.19

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	222.52	-446.06	-207.63	546.69	-671.29	-34.42
Capital Expenditures	-7.99	-31.93	-34.34	-48.95	-256.91	-2.86
Free Cash Flow	214.53	-477.99	-241.98	497.74	-928.2	-37.28
Free Cash Flow Growth	-	-	-	-	-	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	30.43%	28.91%	31.39%	30.89%	35.67%	23.66%
FCF Margin	32.72%	-86.40%	-50.31%	128.25%	-445.76%	-19.37%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 20, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	48.07	36.03	40.41	40.09	82.13	374.22
P/FCF Ratio	35.91	-	-	9.66	-	-
PS Ratio	11.75	10.42	12.68	12.39	29.30	88.52