ScoreComparison
Why is Commercial Credit & Finance PLC ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 17.05%
2
The company has declared negative results in Mar'2026 after 4 consecutive positive quarters
- OPERATING CASH FLOW(Y) Lowest at LKR -7,496.08 MM
- DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
- RAW MATERIAL COST(Y) Grown by 21.84% (YoY)
3
With ROE of 29.04%, it has a fair valuation with a 1.18 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 12.87%, its profits have risen by 130.5% ; the PEG ratio of the company is 0
4
Consistent Returns over the last 3 years
- Along with generating 12.87% 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 hold?
- 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
12.87%
6.50
33.59%
Sri Lanka CSE All Share
11.95%
0.72
16.49%
Quality
Management Risk
Growth
Capital StructureQuality 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
37.73%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
45.12%
ROE (avg)
17.05%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
1.18
EV to EBIT
2.81
EV to EBITDA
2.69
EV to Capital Employed
1.21
EV to Sales
1.12
PEG Ratio
0.03
Dividend Yield
NA
ROCE (Latest)
43.30%
ROE (Latest)
29.04%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
ROCE(HY)
Highest at 30.18%
INVENTORY TURNOVER RATIO(HY)
Highest at 168.19 times
NET PROFIT(Q)
Highest at LKR 3,355.68 MM
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at LKR -7,496.08 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
RAW MATERIAL COST(Y)
Grown by 21.84% (YoY
DEBT-EQUITY RATIO
(HY)
Highest at 71.27 %
DIVIDEND PER SHARE(HY)
Lowest at LKR 142.84
NET SALES(Q)
Lowest at LKR 5,869.16 MM
Here's what is working for Commercial Credit & Finance PLC
Net Profit
Highest at LKR 3,355.68 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
Inventory Turnover Ratio
Highest at 168.19 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its inventory faster
Inventory Turnover Ratio
Here's what is not working for Commercial Credit & Finance PLC
Operating Cash Flow
Lowest at LKR -7,496.08 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (LKR MM)
Net Sales
Lowest at LKR 5,869.16 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (LKR MM)
Net Sales
Fallen at -31.14%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (LKR MM)
Debt-Equity Ratio
Highest at 71.27 %
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
Dividend per share
Lowest at LKR 142.84
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (LKR)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Grown by 21.84% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
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."
