CDB.X0000 Stock Overview

Provides various financial services in Sri Lanka. More details

CDB.X0000 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	3/6
Dividends	3/6

Rewards

Price-To-Earnings ratio (4.3x) is below the LK market (9.4x)

Earnings grew by 152.3% over the past year

Risk Analysis

Debt is not well covered by operating cash flow

Dividend of 4.22% is not well covered by free cash flows

Does not have a meaningful market cap (LKR16B)

Community vs My Fair Value

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Citizens Development Business Finance PLC Competitors

Vallibel Finance

COSE:VFIN.N0000

LK₨16.0b

Commercial Credit and Finance

COSE:COCR.N0000

LK₨21.9b

Mercantile Investments and Finance

COSE:MERC.N0000

LK₨7.8b

HNB Finance

COSE:HNBF.N0000

LK₨8.6b

Price History & Performance

Summary of share price highs, lows and changes for Citizens Development Business Finance
Historical stock prices
Current Share Price	LK₨181.00
52 Week High	LK₨195.50
52 Week Low	LK₨88.10
Beta	0.27
1 Month Change	4.47%
3 Month Change	-0.41%
1 Year Change	98.46%
3 Year Change	177.18%
5 Year Change	304.02%
Change since IPO	287.13%

Recent updates

Shareholder Returns

	CDB.X0000	LK Consumer Finance	LK Market
7D	-2.2%	0.4%	1.1%
1Y	98.5%	14.0%	20.3%

Return vs Industry: CDB.X0000 exceeded the LK Consumer Finance industry which returned 14% over the past year.

Return vs Market: CDB.X0000 exceeded the LK Market which returned 20.3% over the past year.

Price Volatility

Is CDB.X0000's price volatile compared to industry and market?
CDB.X0000 volatility
CDB.X0000 Average Weekly Movement	4.9%
Consumer Finance Industry Average Movement	5.5%
Market Average Movement	5.2%
10% most volatile stocks in LK Market	7.6%
10% least volatile stocks in LK Market	3.5%

Stable Share Price: CDB.X0000 has not had significant price volatility in the past 3 months compared to the LK market.

Volatility Over Time: CDB.X0000's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1995	1,930	Weligama Palliyaguruge Claud Nanayakkara	www.cdb.lk

Citizens Development Business Finance PLC, together with its subsidiaries, provides various financial services in Sri Lanka. It operates through Leasing and Stock Out on Hire; Loans and Advances; and Others segment. The company provides range of services, which includes accepting term and savings deposits, hire purchase, leasing, loan facilities, gold loan, and foreign exchange and remittances, as well as issuance of international debit and credit cards, margin trading, Islamic finance products, and other financial services.

Citizens Development Business Finance PLC Fundamentals Summary

How do Citizens Development Business Finance's earnings and revenue compare to its market cap?
CDB.X0000 fundamental statistics
Market cap	LK₨16.21b
Earnings (TTM)	LK₨3.92b
Revenue (TTM)	LK₨12.04b

4.3x

P/E Ratio

1.4x

P/S Ratio

Is CDB.X0000 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CDB.X0000 income statement (TTM)
Revenue	LK₨12.04b
Cost of Revenue	LK₨0
Gross Profit	LK₨12.04b
Other Expenses	LK₨8.12b
Earnings	LK₨3.92b

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	55.30
Gross Margin	100.00%
Net Profit Margin	32.54%
Debt/Equity Ratio	141.2%

How did CDB.X0000 perform over the long term?

See historical performance and comparison

Dividends

4.2%

Current Dividend Yield

22%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/03 21:25
End of Day Share Price	2025/05/02 00:00
Earnings	2024/12/31
Annual Earnings	2024/03/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

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.

Analyst	Institution
Dimantha Mathew	First Capital Holdings PLC
Kavinda Perera	Tellimer Research

Citizens Development Business Finance COSE:CDB.X0000 Stock Report