Citizens Development Business Finance PLC

COSE:CDB.N0000 Stock Report

Market Cap: LK₨15.8b

Citizens Development Business Finance Past Earnings Performance

Past criteria checks 5/6

Citizens Development Business Finance has been growing earnings at an average annual rate of 3.8%, while the Consumer Finance industry saw earnings growing at 16.9% annually. Revenues have been growing at an average rate of 10.7% per year. Citizens Development Business Finance's return on equity is 16.7%, and it has net margins of 32%.

Key information

3.8%

Earnings growth rate

3.1%

EPS growth rate

Consumer Finance Industry Growth12.6%
Revenue growth rate10.7%
Return on equity16.7%
Net Margin32.0%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Citizens Development Business Finance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

COSE:CDB.N0000 Revenue, expenses and earnings (LKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2411,1863,5785,7130
30 Jun 249,9043,0375,3840
31 Mar 248,7582,5165,1530
31 Dec 237,2091,5535,1240
30 Sep 236,9901,3174,9700
30 Jun 236,7591,2584,9040
31 Mar 237,3431,6274,8370
31 Dec 228,0412,4524,7110
30 Sep 228,5073,1834,5610
30 Jun 228,8453,7664,3690
31 Mar 228,2943,6124,1910
31 Dec 217,7903,4734,0400
30 Sep 216,9382,9473,9070
30 Jun 216,4242,5143,8170
31 Mar 216,5432,5573,6160
31 Dec 205,7702,2833,6420
30 Sep 205,6752,1623,6920
30 Jun 205,8202,0283,7850
31 Mar 205,4691,8373,8660
31 Dec 195,8401,7913,8650
30 Sep 195,8561,7803,8260
30 Jun 195,6751,7583,6840
31 Mar 195,2641,7983,6100
31 Dec 184,7781,8233,2870
30 Sep 184,3711,8913,0780
30 Jun 184,2911,6612,8940
31 Mar 183,8771,4492,7250
31 Dec 173,5611,1172,5660
30 Sep 173,3088262,4530
30 Jun 173,1529302,3270
31 Mar 173,1531,0232,2200
31 Dec 163,0549532,2080
30 Sep 163,1471,0432,1030
30 Jun 163,2291,0202,0170
31 Mar 163,3111,0191,9600
31 Dec 153,2669361,6700
30 Sep 153,1978011,6270
30 Jun 153,1407691,5640
31 Mar 153,0767091,5040
31 Dec 143,2426001,4280
30 Sep 143,0016211,3320
30 Jun 142,7455841,2530
31 Mar 142,5095611,1650
31 Dec 132,0115351,1340

Quality Earnings: CDB.N0000 has high quality earnings.

Growing Profit Margin: CDB.N0000's current net profit margins (32%) are higher than last year (18.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CDB.N0000's earnings have grown by 3.8% per year over the past 5 years.

Accelerating Growth: CDB.N0000's earnings growth over the past year (171.7%) exceeds its 5-year average (3.8% per year).

Earnings vs Industry: CDB.N0000 earnings growth over the past year (171.7%) exceeded the Consumer Finance industry 45.9%.

Return on Equity

High ROE: CDB.N0000's Return on Equity (16.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 20:05
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Citizens Development Business Finance PLC is covered by 2 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Dimantha MathewFirst Capital Holdings PLC
Kavinda PereraTellimer Research