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 Jun 25
- ROCE(HY) Highest at 26.49%
- DEBT-EQUITY RATIO (HY) Lowest at 23.05 %
- INVENTORY TURNOVER RATIO(HY) Highest at 158.22%
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 172.58%, 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 172.58% 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
167.41%
6.88
36.91%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
Quality
Management Risk
Growth
Capital StructureQuality 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)
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
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend20What is working for the Company
ROCE(HY)
Highest at 26.49%
DEBT-EQUITY RATIO
(HY)
Lowest at 23.05 %
INVENTORY TURNOVER RATIO(HY)
Highest at 158.22%
PRE-TAX PROFIT(Q)
At LKR 3,404.91 MM has Grown at 202.05%
NET PROFIT(Q)
At LKR 2,129.5 MM has Grown at 210.34%
RAW MATERIAL COST(Y)
Fallen by -25.5% (YoY
CASH AND EQV(HY)
Highest at LKR 17,666.6 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Commercial Credit & Finance PLC
Pre-Tax Profit
At LKR 3,404.91 MM has Grown at 202.05%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (LKR MM)
Net Profit
At LKR 2,129.5 MM has Grown at 210.34%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (LKR MM)
Debt-Equity Ratio
Lowest at 23.05 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Inventory Turnover Ratio
Highest at 158.22% and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its inventory faster
Inventory Turnover Ratio
Cash and Eqv
Highest at LKR 17,666.6 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Raw Material Cost
Fallen by -25.5% (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
Depreciation
At LKR 164 MM has Grown at 164.94%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (LKR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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