LOLC Finance PLC (COSE:LOFC.N0000)

LOLC Finance Income Statement

Financials in millions LKR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest and Dividend Income	68,908	68,318	74,994	69,040	30,570	33,762
Total Interest Expense	25,176	26,211	37,019	36,125	8,980	12,447
Net Interest Income	43,732	42,106	37,975	32,915	21,590	21,315
Commissions and Fees	2,711	2,543	2,044	-	-	-
Gain (Loss) on Sale of Investments	-2,054	-1,699	3,349	51.67	518.07	425.52
Other Revenue	-31.46	-	-	-2,434	2,088	505.71
Revenue Before Loan Losses	44,358	42,949	43,368	30,533	24,196	22,246
Provision for Loan Losses	-8,383	-7,250	4,394	178.97	1,917	15,933
Revenue	52,741	50,199	38,974	30,354	22,279	6,313
Revenue Growth (YoY)	28.78%	28.80%	28.40%	36.24%	252.90%	-48.11%
Salaries & Employee Benefits	8,165	7,941	6,886	6,058	3,565	3,157
Cost of Services Provided	4,724	4,724	4,334	12,002	6,733	6,922
Other Operating Expenses	14,777	13,882	12,194	2,921	-2,012	-5,191
Total Operating Expenses	29,052	27,851	24,601	21,716	8,493	5,020
Operating Income	23,688	22,348	14,373	8,638	13,787	1,293
Earnings From Equity Investments	18.31	22.83	33.93	-895.11	-	-
Currency Exchange Gain (Loss)	-	-	-	7,521	-1,905	251.78
EBT Excluding Unusual Items	23,706	22,371	14,407	14,927	11,879	1,375
Gain (Loss) on Sale of Investments	-	-	-	-3,108	-1,073	-238.65
Pretax Income	26,421	25,085	21,547	15,393	17,743	4,497
Income Tax Expense	-	-	-	-	792.05	130.84
Net Income	26,421	25,085	21,547	15,393	16,951	4,366
Net Income to Common	26,421	25,085	21,547	15,393	16,951	4,366
Net Income Growth	14.11%	16.42%	39.98%	-9.19%	288.25%	15.51%
Shares Outstanding (Basic)	33,152	33,079	33,079	21,487	5,250	5,250
Shares Outstanding (Diluted)	33,152	33,079	33,079	21,487	5,250	5,250
Shares Change (YoY)	0.27%	-	53.95%	309.27%	-	7.58%
EPS (Basic)	0.80	0.76	0.65	0.72	3.23	0.83
EPS (Diluted)	0.80	0.76	0.65	0.72	3.23	0.83
EPS Growth	13.80%	16.42%	-9.08%	-77.81%	288.25%	7.37%
Free Cash Flow	-36,064	-12,074	17,543	19,448	-4,062	37,520
Free Cash Flow Per Share	-1.09	-0.36	0.53	0.91	-0.77	7.15
Operating Margin	44.91%	44.52%	36.88%	28.46%	61.88%	20.48%
Profit Margin	50.10%	49.97%	55.29%	50.71%	76.08%	69.16%
Free Cash Flow Margin	-68.38%	-24.05%	45.01%	64.07%	-18.23%	594.32%
Effective Tax Rate	-	-	-	-	4.46%	2.91%

Updated Feb 11, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.