Commercial Credit & Finance PLC

  • Market Cap: Large Cap
  • Industry: Finance
  • ISIN: LK0380N00002
LKR
123.00
-1.25 (-1.01%)
  • 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 17.05%

 
2

Positive results in Dec 25

3

With ROE of 22.75%, it has a very attractive valuation with a 1.56 Price to Book Value

4

Consistent Returns over the last 3 years

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Finance

stock-summary
Market cap

LKR 40,077 Million (Large Cap)

stock-summary
P/E

7.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

21.27%

stock-summary
Price to Book

1.22

Revenue and Profits:
Net Sales:
7,616 Million
(Quarterly Results - Dec 2025)
Net Profit:
1,940 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-8.21%
0%
-8.21%
6 Months
-8.04%
0%
-8.04%
1 Year
123.64%
0%
123.64%
2 Years
314.14%
0%
314.14%
3 Years
412.5%
0%
412.5%
4 Years
200.0%
0%
200.0%
5 Years
456.56%
0%
456.56%

Commercial Credit & 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)
8.10%
EBIT Growth (5y)
15.44%
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
42.39%
Dividend Payout Ratio
31.05%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
58.81%
ROE (avg)
17.05%

Valuation key factors

Factor
Value
P/E Ratio
7
Industry P/E
Price to Book Value
1.56
EV to EBIT
3.57
EV to EBITDA
3.40
EV to Capital Employed
1.76
EV to Sales
1.37
PEG Ratio
0.07
Dividend Yield
NA
ROCE (Latest)
49.21%
ROE (Latest)
22.75%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bearish
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 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is 19.28% vs -15.83% in Dec 2024",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is 486.79% vs -68.13% in Dec 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "7,615.60",
          "val2": "6,384.80",
          "chgp": "19.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "3,209.90",
          "val2": "2,482.80",
          "chgp": "29.29%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "-7.20",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "1,940.50",
          "val2": "330.70",
          "chgp": "486.79%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "391.30%",
          "val2": "90.30%",
          "chgp": "30.10%",
          "chgp_class": "positive"
        }
      ]
    }
  },
  {
    "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 -2.54% vs 5.02% in Mar 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2025 is 41.12% vs 66.49% in Mar 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "27,591.00",
          "val2": "28,310.50",
          "chgp": "-2.54%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "13,084.00",
          "val2": "10,940.60",
          "chgp": "19.59%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "2,289.30",
          "val2": "3,363.40",
          "chgp": "-31.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "586.70",
          "val2": "376.20",
          "chgp": "55.95%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "6,147.10",
          "val2": "4,355.90",
          "chgp": "41.12%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "398.90%",
          "val2": "340.10%",
          "chgp": "5.88%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

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

Dec'25
Dec'24
Change(%)
Net Sales
7,615.60
6,384.80
19.28%
Operating Profit (PBDIT) excl Other Income
3,209.90
2,482.80
29.29%
Interest
0.00
0.00
Exceptional Items
-7.20
0.00
Consolidate Net Profit
1,940.50
330.70
486.79%
Operating Profit Margin (Excl OI)
391.30%
90.30%
30.10%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in quarter ended Dec 2025 is 19.28% vs -15.83% in Dec 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is 486.79% vs -68.13% in Dec 2024

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

Mar'25
Mar'24
Change(%)
Net Sales
27,591.00
28,310.50
-2.54%
Operating Profit (PBDIT) excl Other Income
13,084.00
10,940.60
19.59%
Interest
2,289.30
3,363.40
-31.93%
Exceptional Items
586.70
376.20
55.95%
Consolidate Net Profit
6,147.10
4,355.90
41.12%
Operating Profit Margin (Excl OI)
398.90%
340.10%
5.88%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2025 is -2.54% vs 5.02% in Mar 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2025 is 41.12% vs 66.49% in Mar 2024

stock-summaryCompany CV
About Commercial Credit & Finance PLC stock-summary
stock-summary
Commercial Credit & Finance PLC
Finance
Commercial Credit and Finance PLC is a Sri Lanka-based company, which is engaged in acceptance of deposits, granting lease facilities, hire purchase, personal loans, micro loans, pawning and other credit facilities, real estate development and related services. The Company operates through seven segments: Finance Lease, Hire Purchase, Microfinance and SME Loans, Pawning, Term Loan, Revolving Loans and Investments. It offers fixed deposits and various savings products, such as Punchita Panchita, Daily Savings, Regular Savings and One to One Business. It offers leasing solutions to a range of vehicles and equipment, including personal and commercial vehicles, three wheelers, motor bikes, special purpose vehicles, machinery and agricultural equipment. It also offers gold loan facilities. It offers term loan, term draft, educational loan and short term loan. It offers multi-asset portfolios and services that include advice, investments and implementation.
Company Coordinates stock-summary
Company Details
No. 106 Yatinuwara Veediya , KANDY None : None
stock-summary
Tel: 94 81 2000000
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Registrar Details