Commercial Credit & Finance PLC (COCR.N0000) Stock Analysis | Price, Returns, Financials & Key Metrics

Mojo Score Change: Commercial Credit & 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 17.05%

Positive results in Jun 25

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

Consistent Returns over the last 3 years

Mojo Parameters

Stock DNA

Industry

Finance

Market cap

LKR 41,111 Million (Large Cap)

P/E

7.00

Industry P/E

Dividend Yield

0.00%

Debt Equity

-999,999.00

Return on Equity

22.61%

Price to Book

1.33

Revenue and Profits:

Net Sales:

7,271 Million

(Quarterly Results - Jun 2025)

Net Profit:

2,129 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

-3.43%

6 Months

52.34%

1 Year

167.41%

2 Years

308.87%

3 Years

432.56%

4 Years

303.66%

5 Years

423.76%

Commercial Credit & 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)

6.79%

EBIT Growth (5y)

13.82%

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

42.39%

Dividend Payout Ratio

31.05%

Pledged Shares

Institutional Holding

ROCE (avg)

58.81%

ROE (avg)

17.05%

Valuation key factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

49.21%

ROE (Latest)

22.75%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

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 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 11.04% vs 4.79% in Jun 2024",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 210.33% vs 67.86% in Jun 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "7,271.40",
          "val2": "6,548.20",
          "chgp": "11.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "3,003.90",
          "val2": "1,909.30",
          "chgp": "57.33%",
          "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": "2,129.50",
          "val2": "686.20",
          "chgp": "210.33%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "468.30%",
          "val2": "172.10%",
          "chgp": "29.62%",
          "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 -9.13% vs 12.63% in Mar 2024",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2025 is 68.84% vs 39.15% in Mar 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Mar'25",
        "Mar'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "27,591.00",
          "val2": "30,363.50",
          "chgp": "-9.13%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "13,084.00",
          "val2": "13,287.80",
          "chgp": "-1.53%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "2,289.30",
          "val2": "3,363.40",
          "chgp": "-31.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "586.70",
          "val2": "380.30",
          "chgp": "54.27%",
          "chgp_class": "positive"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "6,147.10",
          "val2": "3,640.70",
          "chgp": "68.84%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "398.90%",
          "val2": "281.20%",
          "chgp": "11.77%",
          "chgp_class": "positive"
        }
      ]
    }
  }
]

Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY

Jun'25

Jun'24

Change(%)

Net Sales

7,271.40

6,548.20

11.04%

Operating Profit (PBDIT) excl Other Income

3,003.90

1,909.30

57.33%

Interest

0.00

Exceptional Items

0.00

Consolidate Net Profit

2,129.50

686.20

210.33%

Operating Profit Margin (Excl OI)

468.30%

172.10%

29.62%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Jun 2025 is 11.04% vs 4.79% in Jun 2024

Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 210.33% vs 67.86% in Jun 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Mar'25

Mar'25

Mar'24

Change(%)

Net Sales

27,591.00

30,363.50

-9.13%

Operating Profit (PBDIT) excl Other Income

13,084.00

13,287.80

-1.53%

Interest

2,289.30

3,363.40

-31.93%

Exceptional Items

586.70

380.30

54.27%

Consolidate Net Profit

6,147.10

3,640.70

68.84%

Operating Profit Margin (Excl OI)

398.90%

281.20%

11.77%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Mar 2025 is -9.13% vs 12.63% in Mar 2024

Consolidated Net Profit

YoY Growth in year ended Mar 2025 is 68.84% vs 39.15% in Mar 2024

All Annual Results

Company CV

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

Tel: 94 81 2000000

http://www.cclk.lk/

Registrar Details