Vallibel Finance PLC (COSE:VFIN.N0000)

Vallibel Finance Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	16,841	18,372	15,676	9,930	8,331
Total Interest Expense	8,702	11,419	11,014	4,235	4,068
Net Interest Income	8,139	6,952	4,662	5,696	4,264
Commissions and Fees	772.28	697.03	505.81	672.71	373.55
Gain (Loss) on Sale of Investments	61.15	107.93	21.43	64.05	67.17
Other Revenue	73.54	167.16	149.6	83.17	73.86
Revenue Before Loan Losses	9,046	7,925	5,339	6,515	4,778
Provision for Loan Losses	170.78	437.78	97.58	592.49	575.08
Revenue	8,875	7,487	5,241	5,923	4,203
Revenue Growth (YoY)	18.55%	42.85%	-11.51%	40.91%	1.83%
Salaries & Employee Benefits	2,489	1,949	1,553	1,405	1,069
Cost of Services Provided	582.62	535.08	435.65	417.5	281.93
Other Operating Expenses	2,737	2,276	1,477	1,410	1,057
Total Operating Expenses	5,809	4,760	3,466	3,232	2,407
Operating Income	3,067	2,727	1,775	2,690	1,796
EBT Excluding Unusual Items	3,067	2,727	1,775	2,690	1,796
Other Unusual Items	1,289	626.17	268.14	1,213	590.23
Pretax Income	4,332	3,611	2,047	3,904	2,387
Income Tax Expense	1,635	1,556	719.46	1,062	660.82
Net Income	2,697	2,055	1,327	2,842	1,726
Net Income to Common	2,697	2,055	1,327	2,842	1,726
Net Income Growth	31.22%	54.81%	-53.29%	64.66%	37.68%
Shares Outstanding (Basic)	235	235	235	235	235
Shares Outstanding (Diluted)	235	235	235	235	235
EPS (Basic)	11.45	8.73	5.64	12.07	7.33
EPS (Diluted)	11.45	8.73	5.64	12.07	7.33
EPS Growth	31.19%	54.81%	-53.29%	64.66%	37.70%
Free Cash Flow	-3,179	2,855	6,176	-12,571	730.57
Free Cash Flow Per Share	-13.50	12.13	26.23	-53.39	3.10
Dividend Per Share	2.750	2.000	1.000	2.000	1.500
Dividend Growth	37.50%	100.00%	-50.00%	33.33%	-
Operating Margin	34.55%	36.42%	33.87%	45.42%	42.73%
Profit Margin	30.38%	27.45%	25.33%	47.98%	41.06%
Free Cash Flow Margin	-35.82%	38.14%	117.84%	-212.25%	17.38%
Effective Tax Rate	37.75%	43.09%	35.15%	27.21%	27.69%
Revenue as Reported	19,072	20,281	16,689	11,978	9,470

Updated Oct 28, 2024. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.