Senkadagala Finance PLC (COSE: SFCL.N0000)

Senkadagala Finance Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest and Dividend Income	7,561	7,365	6,496	6,022	5,980	6,535
Total Interest Expense	3,428	3,705	3,868	2,430	3,212	3,678
Net Interest Income	4,134	3,660	2,628	3,591	2,768	2,856
Commissions and Fees	294.27	281.32	222.23	242.86	241.1	209.14
Gain (Loss) on Sale of Investments	535.44	535.44	81.09	-61.83	86.95	10.63
Other Revenue	232.25	139.6	61.79	91.6	51.31	1.07
Revenue Before Loan Losses	5,196	4,616	2,993	3,864	3,147	3,077
Provision for Loan Losses	177.4	213.57	268.69	596.68	496.68	499.45
Revenue	5,018	4,403	2,724	3,267	2,650	2,578
Revenue Growth (YoY)	79.10%	61.60%	-16.62%	23.28%	2.81%	-14.61%
Salaries & Employee Benefits	1,062	1,007	865.36	816.66	631.32	675.12
Cost of Services Provided	61.9	55.09	26.88	13.63	11.48	20.59
Other Operating Expenses	1,489	1,351	940.47	861.81	824.19	846.89
Total Operating Expenses	2,944	2,747	2,213	2,115	1,895	1,996
Operating Income	2,074	1,656	511.82	1,153	755.12	581.85
Earnings From Equity Investments	47.03	47.54	29.06	-	-	-
Currency Exchange Gain (Loss)	-31.7	-31.7	20.55	84.35	4.32	0.06
EBT Excluding Unusual Items	2,124	1,672	561.42	1,237	759.44	581.92
Pretax Income	2,248	1,796	596.4	1,239	774.36	591.03
Income Tax Expense	564.59	432.01	118.53	308.88	184.48	339.33
Net Income	1,683	1,364	477.86	929.63	589.88	251.7
Net Income to Common	1,683	1,364	477.86	929.63	589.88	251.7
Net Income Growth	243.89%	185.40%	-48.60%	57.59%	134.36%	-71.59%
Shares Outstanding (Basic)	86	86	86	82	72	72
Shares Outstanding (Diluted)	86	86	86	82	72	72
Shares Change (YoY)	0.13%	-	4.85%	13.54%	-	-
EPS (Basic)	19.53	15.81	5.54	11.30	8.14	3.47
EPS (Diluted)	19.53	15.81	5.54	11.30	8.14	3.47
EPS Growth	243.43%	185.40%	-50.97%	38.80%	134.36%	-71.59%
Free Cash Flow	5,872	7,521	4,260	1,498	-2,480	4,429
Free Cash Flow Per Share	68.13	87.17	49.37	18.20	-34.22	61.11
Dividend Per Share	1.800	1.800	0.650	1.400	1.160	-
Dividend Growth	176.92%	176.92%	-53.57%	20.69%	-	-
Operating Margin	41.33%	37.62%	18.79%	35.28%	28.49%	22.57%
Profit Margin	33.55%	30.98%	17.54%	28.45%	22.26%	9.76%
Free Cash Flow Margin	117.01%	170.83%	156.36%	45.84%	-93.58%	171.80%
Effective Tax Rate	25.12%	24.06%	19.87%	24.94%	23.82%	57.41%

Source: S&P Capital IQ. Financial Services template. Financial Sources.