Lanka Credit and Business Finance PLC (COSE:LCBF.N0000)
Sri Lanka
· Delayed Price · Currency is LKR 7.10
-0.20 (-2.74%)
At close: Dec 5, 2025
COSE:LCBF.N0000 Income Statement
Financials in millions LKR. Fiscal year is April - March.
Millions LKR. Fiscal year is Apr - Mar.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2018 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Mar '25 Mar 31, 2025 | Mar '24 Mar 31, 2024 | Mar '23 Mar 31, 2023 | Mar '22 Mar 31, 2022 | Mar '21 Mar 31, 2021 | 2020 - 2018 |
| Interest and Dividend Income | 1,553 | 1,323 | 1,202 | 1,032 | 504.11 | 456.26 | Upgrade
|
| Total Interest Expense | 512.69 | 476.22 | 620.16 | 427.37 | 104.98 | 117.1 | Upgrade
|
| Net Interest Income | 1,041 | 846.81 | 582.29 | 604.62 | 399.13 | 339.16 | Upgrade
|
| Gain (Loss) on Sale of Investments | 2.5 | 2.5 | 1.13 | 2.75 | -10.81 | - | Upgrade
|
| Other Revenue | 96.29 | 106.51 | 157.35 | 44.93 | 46.4 | 29.72 | Upgrade
|
| Revenue Before Loan Losses | 1,139 | 955.82 | 740.77 | 652.3 | 434.71 | 368.88 | Upgrade
|
| Provision for Loan Losses | 27.25 | 89.46 | 122.57 | 90.99 | -61.7 | 22.89 | Upgrade
|
| Revenue | 1,112 | 866.36 | 618.2 | 561.3 | 496.41 | 345.99 | Upgrade
|
| Revenue Growth (YoY) | 60.87% | 40.14% | 10.14% | 13.07% | 43.47% | 63.36% | Upgrade
|
| Salaries & Employee Benefits | 263.6 | 240.01 | 193.8 | 145.81 | 106.4 | 93.72 | Upgrade
|
| Cost of Services Provided | 24.57 | 24.57 | 20.38 | 19.81 | 15.94 | - | Upgrade
|
| Other Operating Expenses | 319.21 | 243.02 | 196.72 | 144.27 | 90.71 | 65.55 | Upgrade
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| Total Operating Expenses | 707.65 | 602.96 | 487.7 | 371.85 | 257.89 | 200.4 | Upgrade
|
| Operating Income | 404.56 | 263.39 | 130.51 | 189.45 | 238.52 | 145.59 | Upgrade
|
| Currency Exchange Gain (Loss) | -0.06 | -0.06 | -0.09 | - | - | - | Upgrade
|
| EBT Excluding Unusual Items | 404.49 | 263.33 | 130.41 | 189.45 | 238.52 | 145.59 | Upgrade
|
| Other Unusual Items | 0.48 | 0.48 | - | 2.65 | - | - | Upgrade
|
| Pretax Income | 423.85 | 282.69 | 148.56 | 212.55 | 238.52 | 100.29 | Upgrade
|
| Income Tax Expense | 114.17 | 78.17 | 26.46 | 49.78 | 140.94 | 75.29 | Upgrade
|
| Net Income | 309.68 | 204.51 | 122.09 | 162.77 | 97.58 | 25 | Upgrade
|
| Net Income to Common | 309.68 | 204.51 | 122.09 | 162.77 | 97.58 | 25 | Upgrade
|
| Net Income Growth | 118.24% | 67.51% | -24.99% | 66.80% | 290.27% | 118.70% | Upgrade
|
| Shares Outstanding (Basic) | 768 | 790 | 790 | 790 | 790 | 665 | Upgrade
|
| Shares Outstanding (Diluted) | 768 | 790 | 790 | 790 | 790 | 665 | Upgrade
|
| Shares Change (YoY) | -6.18% | - | - | - | 18.79% | 40.35% | Upgrade
|
| EPS (Basic) | 0.40 | 0.26 | 0.15 | 0.21 | 0.12 | 0.04 | Upgrade
|
| EPS (Diluted) | 0.40 | 0.26 | 0.15 | 0.21 | 0.12 | 0.04 | Upgrade
|
| EPS Growth | 132.61% | 67.51% | -24.99% | 66.80% | 228.54% | 56.63% | Upgrade
|
| Free Cash Flow | -778.43 | -1,512 | 630.82 | 289.61 | -481.8 | -401.18 | Upgrade
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| Free Cash Flow Per Share | -1.01 | -1.91 | 0.80 | 0.37 | -0.61 | -0.60 | Upgrade
|
| Operating Margin | 36.37% | 30.40% | 21.11% | 33.75% | 48.05% | 42.08% | Upgrade
|
| Profit Margin | 27.84% | 23.61% | 19.75% | 29.00% | 19.66% | 7.23% | Upgrade
|
| Free Cash Flow Margin | -69.99% | -174.49% | 102.04% | 51.60% | -97.06% | -115.95% | Upgrade
|
| Effective Tax Rate | 26.94% | 27.65% | 17.81% | 23.42% | 59.09% | 75.07% | Upgrade
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Source: S&P Capital IQ. Financial Services template. Financial Sources.