ScoreWhy is Commercial Bank of Ceylon Plc ?
1
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.31%
- Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 26.10%
2
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at LKR 157,533.76 MM
- ROCE(HY) Highest at 2.31%
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
3
With ROA of 1.38%, it has a fair valuation with a 1.12 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 57.24%, its profits have risen by 161% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Commercial Bank of Ceylon Plc should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Commercial Bank of Ceylon Plc for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Commercial Bank of Ceylon Plc
56.03%
3.61
25.59%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
16.30%
EBIT Growth (5y)
34.45%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.31%
Pledged Shares
0
Institutional Holding
0.30%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.12
EV to EBIT
4.57
EV to EBITDA
4.35
EV to Capital Employed
1.09
EV to Sales
1.55
PEG Ratio
0.05
Dividend Yield
NA
ROCE (Latest)
23.88%
ROE (Latest)
18.39%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 157,533.76 MM
ROCE(HY)
Highest at 2.31%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at LKR 34,596.94 MM
NET PROFIT(9M)
Higher at LKR 54,758.25 MM
NET SALES(Q)
Highest at LKR 74,051.83 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 2.31%
Here's what is working for Commercial Bank of Ceylon Plc
Credit Deposit Ratio
Highest at 0% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
NII
Highest at LKR 34,596.94 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (LKR MM)
Net Profit
At LKR 54,758.25 MM has Grown at 114.99%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
Operating Cash Flow
Highest at LKR 157,533.76 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (LKR MM)
Net Sales
Highest at LKR 74,051.83 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (LKR MM)
Net Profit
Higher at LKR 54,758.25 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (LKR MM)
Depreciation
Highest at LKR 1,310.48 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
CASA
Highest at 14.18%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
