UB Finance PLC (COSE:UBF.N0000)

UB Finance Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022
Interest and Dividend Income	2,112	2,026	2,143	2,013	1,522
Total Interest Expense	1,085	1,114	1,399	1,274	678.98
Net Interest Income	1,027	912.11	743.46	738.95	843.34
Commissions and Fees	108.4	91.53	62.98	47.7	54.01
Other Revenue	15.3	15.3	7.61	20.8	23.14
Revenue Before Loan Losses	1,151	1,019	814.05	807.45	920.49
Provision for Loan Losses	113.19	102.55	59.17	332.66	264.06
Revenue	1,037	916.38	754.88	474.79	656.43
Revenue Growth (YoY)	35.04%	21.39%	58.99%	-27.67%	-
Salaries & Employee Benefits	372.98	348.76	291.45	270.02	216.7
Cost of Services Provided	101.03	95.32	61.7	11.84	32.13
Other Operating Expenses	358.88	316.78	280.45	252.09	199.73
Total Operating Expenses	914.69	840.19	694.82	589.03	498.26
Operating Income	122.66	76.19	60.06	-114.24	158.18
EBT Excluding Unusual Items	122.66	76.19	60.06	-114.24	158.18
Pretax Income	125.47	79	61.55	-113.45	161.43
Income Tax Expense	56.47	39.01	60.08	-	80.31
Net Income	69	39.99	1.47	-113.45	81.12
Net Income to Common	69	39.99	1.47	-113.45	81.12
Net Income Growth	-	2616.59%	-	-	-
Shares Outstanding (Basic)	3,287	3,073	2,734	2,700	1,209
Shares Outstanding (Diluted)	3,287	3,073	2,734	2,700	1,209
Shares Change (YoY)	3.40%	12.38%	1.27%	123.39%	-
EPS (Basic)	0.02	0.01	0.00	-0.04	0.07
EPS (Diluted)	0.02	0.01	0.00	-0.04	0.07
EPS Growth	-	2316.17%	-	-	-
Free Cash Flow	-2,785	-2,151	1,419	1,928	-1,136
Free Cash Flow Per Share	-0.85	-0.70	0.52	0.71	-0.94
Operating Margin	11.82%	8.31%	7.96%	-24.06%	24.10%
Profit Margin	6.65%	4.36%	0.19%	-23.89%	12.36%
Free Cash Flow Margin	-268.52%	-234.69%	188.04%	406.17%	-173.01%
Effective Tax Rate	45.01%	49.38%	97.61%	-	49.75%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.