Union Bank of Colombo PLC (COSE:UBC.N0000)

Sri Lanka · Delayed Price · Currency is LKR

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0.00 (0.00%)

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Union Bank of Colombo 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	10,280	9,303	7,723	7,443	5,878	5,859
Revenue Growth	20.20%	20.46%	3.76%	26.63%	0.31%	2.07%
Net Income	992.16	644.73	297.67	456.29	434.07	836.83
Earnings Per Share	0.91	0.60	0.27	0.42	0.40	0.77
EPS Growth	103.51%	116.59%	-34.59%	5.00%	-48.05%	32.76%

Revenue by Segment

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
Corporate Banking	2,145	1,776	930.53	686.24	1,484	747.68
Small and Medium Enterprise (SME)	2,270	1,651	784.61	315.45	903.62	534.63
Retail	2,278	1,773	2,080	2,301	2,073	1,473
Treasury	825.25	1,359	1,243	1,137	-871.32	2,006
Other Segment	1,099	1,348	1,690	1,904	1,394	-
Other Group Companies	1,660	1,393	991.19	1,094	892.69	1,090
Total	10,277	9,300	7,719	7,437	5,875	5,852

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	19,069	12,494	11,070	16,573	13,570	9,378
Total Debt	51,452	31,902	19,299	28,435	15,178	16,094
Net Cash (Debt)	-32,383	-19,408	-8,228	-11,861	-1,607	-6,716
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-29.73	-17.91	-7.59	-10.88	-1.47	-6.20

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	-26,740	-29,253	-30,746	22,408	4,871	-4,980
Capital Expenditures	-742.64	-583.47	-863.58	-142.61	-143.6	-433.53
Free Cash Flow	-27,483	-29,836	-31,609	22,265	4,728	-5,413
Free Cash Flow Growth	-	-	-	370.96%	-	-

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	9.65%	6.93%	3.85%	6.13%	7.38%	14.28%
FCF Margin	-267.34%	-320.71%	-409.29%	299.15%	80.43%	-92.39%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 12, 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	13.72	25.04	42.59	23.75	16.48	14.37
P/FCF Ratio	-	-	-	0.49	1.51	-
PS Ratio	1.32	1.74	1.64	1.46	1.22	2.05