Stock COCR.N0000 COMMERCIAL CREDIT AND FINANCE PLC
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Financials Commercial Credit and Finance PLC

Equities

COCR.N0000

LK0380N00002

Consumer Lending

End-of-day quote Colombo S.E.
Other stock markets
 03:30:00 27/06/2024 am IST 		5-day change 1st Jan Change
37.7 LKR +5.31% Intraday chart for Commercial Credit and Finance PLC +4.14% +29.55%
30/05 Commercial Credit and Finance PLC Reports Earnings Results for the Full Year Ended March 31, 2024 CI
30/05 Commercial Credit and Finance PLC Reports Earnings Results for the Fourth Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Capitalization 1 8,683 5,821 6,839 8,015 8,270 11,228
Enterprise Value (EV) 1 18,478 22,324 21,854 20,844 14,390 15,871
P/E ratio 3.3 x 2.9 x 2.93 x 1.77 x 3.16 x 2.58 x
Yield 3.66% - 6.98% 11.9% 3.85% -
Capitalization / Revenue 0.8 x 0.65 x 0.8 x 0.66 x 0.77 x 0.77 x
EV / Revenue 1.7 x 2.51 x 2.56 x 1.72 x 1.34 x 1.08 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.68 x 0.4 x 0.44 x 0.42 x 0.41 x 0.46 x
Nbr of stocks (in thousands) 3,18,074 3,18,074 3,18,074 3,18,074 3,18,074 3,18,074
Reference price 2 27.30 18.30 21.50 25.20 26.00 35.30
Announcement Date 29/06/19 29/06/20 29/06/21 23/06/22 29/06/23 05/06/24
1LKR in Million2LKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Net sales 1 10,850 8,891 8,527 12,099 10,722 14,643
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 3,563 2,185 3,192 6,391 3,886 6,825
Net income 1 2,633 2,005 2,335 4,520 2,616 4,356
Net margin 24.27% 22.55% 27.38% 37.36% 24.4% 29.75%
EPS 2 8.279 6.300 7.340 14.21 8.225 13.69
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 1.000 - 1.500 3.000 1.000 -
Announcement Date 29/06/19 29/06/20 29/06/21 23/06/22 29/06/23 05/06/24
1LKR in Million2LKR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Net Debt 1 9,794 16,503 15,015 12,828 6,120 4,643
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 20.5% 14.7% 15.6% 26.1% 13.2% 19.5%
ROA (Net income/ Total Assets) 2.94% 2.24% 2.58% 4.89% 2.67% 4.14%
Assets 1 89,559 89,449 90,498 92,381 97,914 1,05,210
Book Value Per Share 2 40.30 45.60 48.40 60.30 64.10 76.60
Cash Flow per Share 2 7.360 3.800 7.040 8.280 7.720 6.840
Capex 1 1,677 1,226 185 1,271 1,345 1,097
Capex / Sales 15.45% 13.79% 2.17% 10.51% 12.54% 7.49%
Announcement Date 29/06/19 29/06/20 29/06/21 23/06/22 29/06/23 05/06/24
1LKR in Million2LKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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