ScoreWhy is PMF Finance Plc ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
The company has declared Positive results for the last 6 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at LKR 770.51 MM
- NII(Q) Highest at LKR 593.12 MM
- ROCE(HY) Highest at 1.72%
3
With ROA of 1.44%, it has a expensive valuation with a 0.00 Price to Book Value
- Over the past year, while the stock has generated a return of 108.96%, its profits have risen by 1574%
4
Market Beating Performance
- The stock has generated a return of 108.96% in the last 1 year, much higher than market (Sri Lanka CSE All Share) returns of 61.92%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to PMF 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 PMF Finance Plc for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
PMF Finance Plc
133.33%
2.75
61.58%
Sri Lanka CSE All Share
60.36%
3.56
17.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
47.50%
EBIT Growth (5y)
26.11%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
Industry P/E
Price to Book Value
NA
EV to EBIT
29.59
EV to EBITDA
13.34
EV to Capital Employed
0.57
EV to Sales
1.04
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
1.92%
ROE (Latest)
10.33%
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
No Trend
Mildly Bearish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
OPERATING CASH FLOW(Y)
Highest at LKR 770.51 MM
NII(Q)
Highest at LKR 593.12 MM
ROCE(HY)
Highest at 1.72%
NET SALES(Q)
Highest at LKR 1,091.74 MM
OPERATING PROFIT(Q)
Highest at LKR 125.71 MM
OPERATING PROFIT MARGIN(Q)
Highest at 11.51 %
CREDIT DEPOSIT RATIO(HY)
Highest at 135.09%
PRE-TAX PROFIT(Q)
Highest at LKR 135.54 MM
NET PROFIT(Q)
Highest at LKR 135.54 MM
EPS(Q)
Highest at LKR 0.33
-2What is not working for the Company
ROCE(HY)
Lowest at 1.72%
Here's what is working for PMF Finance Plc
NII
Highest at LKR 593.12 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA (%)
Operating Cash Flow
Highest at LKR 770.51 MM and Grown
In each year 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 1,091.74 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (LKR MM)
Operating Profit
Highest at LKR 125.71 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (LKR MM)
Operating Profit Margin
Highest at 11.51 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At LKR 135.54 MM has Grown at 306.39%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (LKR MM)
Pre-Tax Profit
Highest at LKR 135.54 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (LKR MM)
Net Profit
Highest at LKR 135.54 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
Net Profit
At LKR 135.54 MM has Grown at 117.73%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (LKR MM)
EPS
Highest at LKR 0.33
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (LKR)
Credit Deposit Ratio
Highest at 135.09%
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 (%)
Depreciation
Highest at LKR 45.28 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (LKR MM)
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