Senkadagala Finance PLC (COSE:SFCL.N0000)

Senkadagala 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	9,054	8,461	7,365	6,496	6,022	5,980
Total Interest Expense	2,729	2,733	3,705	3,868	2,430	3,212
Net Interest Income	6,325	5,728	3,660	2,628	3,591	2,768
Commissions and Fees	368.24	323.47	281.32	222.23	242.86	241.1
Gain (Loss) on Sale of Investments	820.95	175.91	535.44	81.09	-61.83	86.95
Other Revenue	174.55	383.32	139.6	61.79	91.6	51.31
Revenue Before Loan Losses	7,689	6,611	4,616	2,993	3,864	3,147
Provision for Loan Losses	761.3	476.76	213.57	268.69	596.68	496.68
Revenue	6,928	6,134	4,403	2,724	3,267	2,650
Revenue Growth (YoY)	26.39%	39.33%	61.60%	-16.62%	23.28%	2.81%
Salaries & Employee Benefits	1,401	1,236	1,007	865.36	816.66	631.32
Cost of Services Provided	60.64	76.12	55.09	26.88	13.63	11.48
Other Operating Expenses	1,936	1,708	1,351	940.47	861.81	824.19
Total Operating Expenses	3,721	3,344	2,747	2,213	2,115	1,895
Operating Income	3,207	2,790	1,656	511.82	1,153	755.12
Earnings From Equity Investments	36.4	11.21	47.54	29.06	-	-
Currency Exchange Gain (Loss)	-7.34	-7.34	-31.7	20.55	84.35	4.32
EBT Excluding Unusual Items	3,279	2,794	1,672	561.42	1,237	759.44
Pretax Income	3,314	2,829	1,796	596.4	1,239	774.36
Income Tax Expense	1,212	1,057	432.01	118.53	308.88	184.48
Net Income	2,103	1,772	1,364	477.86	929.63	589.88
Net Income to Common	2,103	1,772	1,364	477.86	929.63	589.88
Net Income Growth	17.29%	29.93%	185.40%	-48.60%	57.59%	134.36%
Shares Outstanding (Basic)	86	86	86	86	82	72
Shares Outstanding (Diluted)	86	86	86	86	82	72
Shares Change (YoY)	-0.01%	-	-	4.85%	13.54%	-
EPS (Basic)	24.37	20.54	15.81	5.54	11.30	8.14
EPS (Diluted)	24.37	20.54	15.81	5.54	11.30	8.14
EPS Growth	17.31%	29.93%	185.40%	-50.97%	38.80%	134.36%
Free Cash Flow	-10,708	-6,388	7,521	4,260	1,498	-2,480
Free Cash Flow Per Share	-124.09	-74.03	87.17	49.37	18.20	-34.22
Dividend Per Share	2.800	2.800	1.800	0.650	1.400	1.160
Dividend Growth	55.56%	55.56%	176.92%	-53.57%	20.69%	-
Operating Margin	46.29%	45.48%	37.62%	18.79%	35.28%	28.49%
Profit Margin	30.35%	28.89%	30.98%	17.54%	28.45%	22.26%
Free Cash Flow Margin	-154.57%	-104.13%	170.83%	156.36%	45.84%	-93.58%
Effective Tax Rate	36.56%	37.37%	24.06%	19.88%	24.94%	23.82%

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