ScoreComparison
Why is Commercial Credit & Finance PLC ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.05%
2
Positive results in Dec 25
- PRE-TAX PROFIT(Q) At LKR 2,979.9 MM has Grown at 416.83%
- NET PROFIT(Q) At LKR 1,945.17 MM has Grown at 488.13%
- ROCE(HY) Highest at 34.16%
3
With ROE of 22.75%, it has a very attractive valuation with a 1.56 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 127.78%, its profits have risen by 93.4% ; the PEG ratio of the company is 0.1
4
Consistent Returns over the last 3 years
- Along with generating 127.78% returns in the last 1 year, the stock has outperformed Sri Lanka CSE All Share in each of the last 3 annual periods
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Commercial Credit & Finance PLC should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Commercial Credit & Finance PLC for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Commercial Credit & Finance PLC
123.64%
7.06
34.51%
Sri Lanka CSE All Share
41.16%
2.63
15.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
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%
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
PRE-TAX PROFIT(Q)
At LKR 2,979.9 MM has Grown at 416.83%
NET PROFIT(Q)
At LKR 1,945.17 MM has Grown at 488.13%
ROCE(HY)
Highest at 34.16%
RAW MATERIAL COST(Y)
Fallen by -17.08% (YoY
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at LKR -774.89 MM
DEBT-EQUITY RATIO
(HY)
Highest at 67.89 %
Here's what is working for Commercial Credit & Finance PLC
Pre-Tax Profit
At LKR 2,979.9 MM has Grown at 416.83%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (LKR MM)
Net Profit
At LKR 1,945.17 MM has Grown at 488.13%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (LKR MM)
Raw Material Cost
Fallen by -17.08% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Commercial Credit & Finance PLC
Operating Cash Flow
Lowest at LKR -774.89 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (LKR MM)
Debt-Equity Ratio
Highest at 67.89 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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