Financials LB Finance PLC

Equities

LFIN.N0000

LK0301N00008

Consumer Lending

End-of-day quote Colombo S.E. 06:00:00 2024-04-25 pm EDT 5-day change 1st Jan Change
67.9 LKR +1.34% Intraday chart for LB Finance PLC +4.46% +8.99%

Valuation

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Capitalization 1 16,469 16,636 16,691 26,262 32,135 30,473
Enterprise Value (EV) 1 34,928 35,173 32,067 37,414 54,392 45,949
P/E ratio 3.88 x 3.28 x 3.2 x 3.86 x 3.77 x 3.56 x
Yield 9.25% 9.99% - 14.8% 8.62% 9.09%
Capitalization / Revenue 1.28 x 1.08 x 1.05 x 1.58 x 1.6 x 1.39 x
EV / Revenue 2.72 x 2.29 x 2.02 x 2.25 x 2.71 x 2.1 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 1.07 x 0.9 x 0.72 x 0.93 x 0.97 x 0.8 x
Nbr of stocks (in thousands) 554,057 554,057 554,057 554,057 554,057 554,057
Reference price 2 29.72 30.02 30.12 47.40 58.00 55.00
Announcement Date 6/5/18 6/4/19 6/29/20 6/7/21 6/7/22 6/7/23
1LKR in Million2LKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net sales 1 12,854 15,386 15,870 16,628 20,089 21,881
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 6,472 7,773 7,653 9,328 11,721 11,843
Net income 1 4,245 5,079 5,211 6,807 8,530 8,555
Net margin 33.03% 33.01% 32.83% 40.94% 42.46% 39.1%
EPS 2 7.662 9.168 9.405 12.29 15.40 15.44
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 2.750 3.000 - 7.000 5.000 5.000
Announcement Date 6/5/18 6/4/19 6/29/20 6/7/21 6/7/22 6/7/23
1LKR in Million2LKR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2018 2019 2020 2021 2022 2023
Net Debt 1 18,458 18,537 15,376 11,152 22,257 15,476
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 30.5% 30% 25% 26.4% 27.5% 23.8%
ROA (Net income/ Total Assets) 3.8% 3.95% 3.71% 4.77% 5.54% 4.91%
Assets 1 111,795 128,646 140,398 142,635 153,997 174,085
Book Value Per Share 2 27.70 33.30 41.80 51.20 60.00 69.20
Cash Flow per Share 2 10.80 7.330 11.70 11.50 26.40 8.450
Capex 1 537 557 939 540 772 690
Capex / Sales 4.18% 3.62% 5.92% 3.25% 3.85% 3.15%
Announcement Date 6/5/18 6/4/19 6/29/20 6/7/21 6/7/22 6/7/23
1LKR in Million2LKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Annual profits - Rate of surprise