Citizens Development Business Finance Plc (CDB.N0000) Stock Analysis

Mojo Score Change: Citizens Development Business Finance Plc has changed its score on 03 Dec 2025. Click here to unlock latest mojo score!

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

N/A

Shareholding

FII

N/A

DII

N/A

Promoter

N/A

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Dashboard

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 7.61%

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

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

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

LKR 26,222 Million (Mid Cap)

P/E

7.00

Industry P/E

Dividend Yield

0.32%

Debt Equity

-999,999.00

Return on Equity

16.09%

Price to Book

1.02

Revenue and Profits:

Net Sales:

6,304 Million

(Quarterly Results - Jun 2025)

Net Profit:

876 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

3.69%

6 Months

15.29%

1 Year

61.28%

2 Years

89.5%

3 Years

107.96%

4 Years

129.7%

5 Years

303.62%

Citizens Development Business Finance Plc for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

7.61%

EBIT Growth (5y)

3.82%

EBIT to Interest (avg)

100.00

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

30.35%

Dividend Payout Ratio

26.53%

Pledged Shares

Institutional Holding

ROCE (avg)

103.43%

ROE (avg)

15.35%

Valuation key factors

Factor

Value

P/E Ratio

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

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

Bollinger Bands

Mildly Bearish

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bearish

OBV

Mildly Bearish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot

No data for shareholding present.

Shareholding Compare (%holding)

No data for shareholding present.

Financial

[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is 6.61% vs 0.34% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -36.87% vs 53.23% in Mar 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "6,304.50",
          "val2": "5,913.80",
          "chgp": "6.61%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,496.30",
          "val2": "1,394.70",
          "chgp": "7.28%",
          "chgp_class": "positive"
        },
        {
          "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": "875.80",
          "val2": "1,387.30",
          "chgp": "-36.87%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "199.30%",
          "val2": "347.20%",
          "chgp": "-14.79%",
          "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) - Jun'25 - QoQ

Jun'25

Mar'25

Change(%)

Net Sales

6,304.50

5,913.80

6.61%

Operating Profit (PBDIT) excl Other Income

1,496.30

1,394.70

7.28%

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

875.80

1,387.30

-36.87%

Operating Profit Margin (Excl OI)

199.30%

347.20%

-14.79%

USD in Million.

Compare with Peers

Net Sales

QoQ Growth in quarter ended Jun 2025 is 6.61% vs 0.34% in Mar 2025

Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -36.87% vs 53.23% in Mar 2025

All Quarterly Results

Annual Results Snapshot (Consolidated) - Mar'25

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.

Compare with Peers

Net Sales

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

Consolidated Net Profit

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

All Annual Results

Company CV

About Citizens Development Business Finance Plc

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

Company Details

No.123, Orabi Pasha Mawatha, Colombo 10 , COLOMBO None : 10

Tel: 94 11 7388388

https://www.cdb.lk/

Registrar Details