Citizens Development Business Finance Plc

  • Market Cap: Mid Cap
  • Industry: Finance
  • ISIN: LK0368N00007
LKR
370.00
81 (28.03%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Dashboard

1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 15.35%

  • Healthy long term growth as Net Sales has grown by an annual rate of 8.02%
2

The company has declared Positive results for the last 5 consecutive quarters

3

With ROE of 16.54%, it has a attractive valuation with a 1.12 Price to Book Value

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Finance

stock-summary
Market cap

LKR 25,757 Million (Mid Cap)

stock-summary
P/E

7.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.16%

stock-summary
Debt Equity

-999,999.00

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Return on Equity

15.51%

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Price to Book

0.97

Revenue and Profits:
Net Sales:
7,061 Million
(Quarterly Results - Dec 2025)
Net Profit:
942 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
61.75%
0%
61.75%
6 Months
54.49%
0%
54.49%
1 Year
80.49%
0%
80.49%
2 Years
81.15%
0%
81.15%
3 Years
85.0%
0%
85.0%
4 Years
173.06%
0%
173.06%
5 Years
362.5%
0%
362.5%

Citizens Development Business Finance Plc for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
8.02%
EBIT Growth (5y)
2.97%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
30.35%
Dividend Payout Ratio
26.53%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
103.43%
ROE (avg)
15.35%

Valuation key factors

Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.12
EV to EBIT
4.46
EV to EBITDA
4.46
EV to Capital Employed
1.14
EV to Sales
1.00
PEG Ratio
NA
Dividend Yield
0.30%
ROCE (Latest)
25.51%
ROE (Latest)
16.54%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshotstock-summary
Icon
No data for shareholding present.
Shareholding Compare (%holding) stock-summary
Icon
No data for shareholding present.
stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Dec 2025 is 4.90% vs 6.77% in Sep 2025",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Dec 2025 is -29.36% vs 52.24% in Sep 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Sep'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "7,061.30",
          "val2": "6,731.30",
          "chgp": "4.90%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,492.30",
          "val2": "1,735.90",
          "chgp": "-14.03%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "941.90",
          "val2": "1,333.30",
          "chgp": "-29.36%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "193.10%",
          "val2": "240.40%",
          "chgp": "-4.73%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Mar'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2025 is 1.88% vs 9.78% in Mar 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2025 is 59.23% vs 54.63% in Mar 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "23,417.20",
          "val2": "22,984.60",
          "chgp": "1.88%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "6,635.50",
          "val2": "5,758.50",
          "chgp": "15.23%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "938.90",
          "val2": "828.20",
          "chgp": "13.37%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "9.10",
          "val2": "-25.60",
          "chgp": "135.55%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "4,005.50",
          "val2": "2,515.60",
          "chgp": "59.23%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "310.80%",
          "val2": "231.00%",
          "chgp": "7.98%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Dec'25 - QoQstock-summary

Dec'25
Sep'25
Change(%)
Net Sales
7,061.30
6,731.30
4.90%
Operating Profit (PBDIT) excl Other Income
1,492.30
1,735.90
-14.03%
Interest
0.00
0.00
Exceptional Items
0.00
0.00
Consolidate Net Profit
941.90
1,333.30
-29.36%
Operating Profit Margin (Excl OI)
193.10%
240.40%
-4.73%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Dec 2025 is 4.90% vs 6.77% in Sep 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Dec 2025 is -29.36% vs 52.24% in Sep 2025

Annual Results Snapshot (Consolidated) - Mar'25stock-summary

Mar'25
Mar'24
Change(%)
Net Sales
23,417.20
22,984.60
1.88%
Operating Profit (PBDIT) excl Other Income
6,635.50
5,758.50
15.23%
Interest
938.90
828.20
13.37%
Exceptional Items
9.10
-25.60
135.55%
Consolidate Net Profit
4,005.50
2,515.60
59.23%
Operating Profit Margin (Excl OI)
310.80%
231.00%
7.98%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2025 is 1.88% vs 9.78% in Mar 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2025 is 59.23% vs 54.63% in Mar 2024

stock-summaryCompany CV
About Citizens Development Business Finance Plc stock-summary
stock-summary
Citizens Development Business Finance Plc
Finance
Citizens Development Business Finance PLC (CDB) is engaged in finance business and related activities. The Company provides services, including accepting term deposits, savings deposits, personal finance leasing, hire purchase, financing, pawning, corporate and retail credit, dealing with government securities, foreign exchange dealership, money exchange dealership, Islamic finance and other financial services. Its segments include Lease and Stock out on Hire, Loans and Advances and Others. Its products include CDB Dhana Surakum, CDB Aee, CDB Deegayu, Mudharabah Deposi, CDB Savings, CDB Salary plus and CDB Rankati. It offers loan products, including CDB gold loans, CDB Shop house and Murabahah; lease products, such as CDB Hybrid lease/permit holders, Small car lease, Ladies leasing, Aspire leasing, CDB Diesel Mini truck lease and Diesel batta lease, Ijarah, Big ticket leasing and Flex leasing, and hire purchase, including CDB hire purchase facility for registered vehicles.
Company Coordinates stock-summary
Company Details
No.123, Orabi Pasha Mawatha, Colombo 10 , COLOMBO None : 10
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Tel: 94 11 7388388
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Registrar Details