Compare Commercial Credit & Finance PLC with Similar Stocks
Dashboard
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.05%
2
With a growth in Net Profit of 486.71%, the company declared Very 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
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-9.65%
0%
-9.65%
6 Months
-11.11%
0%
-11.11%
1 Year
111.97%
0%
111.97%
2 Years
234.23%
0%
234.23%
3 Years
397.99%
0%
397.99%
4 Years
479.44%
0%
479.44%
5 Years
474.07%
0%
474.07%
Commercial Credit & Finance PLC for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
9.08%
EBIT Growth (5y)
17.52%
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
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY
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.
Net Sales
YoY Growth in quarter ended Dec 2025 is 19.28% vs -15.83% in Dec 2024
Consolidated Net Profit
YoY Growth in quarter ended Dec 2025 is 486.79% vs -68.13% in Dec 2024
Annual Results Snapshot (Consolidated) - Mar'25
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.
Net Sales
YoY Growth in year ended Mar 2025 is -2.54% vs 5.02% in Mar 2024
Consolidated Net Profit
YoY Growth in year ended Mar 2025 is 41.12% vs 66.49% in Mar 2024
About Commercial Credit & Finance PLC 
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 
Company Details
No. 106 Yatinuwara Veediya , KANDY None : None
Registrar Details






