Commercial Credit and Finance PLC

COSE:COCR.N0000 Stock Report

Market Cap: LK₨15.7b

Commercial Credit and Finance Past Earnings Performance

Past criteria checks 6/6

Commercial Credit and Finance has been growing earnings at an average annual rate of 15.7%, while the Consumer Finance industry saw earnings growing at 16.9% annually. Revenues have been growing at an average rate of 11.7% per year. Commercial Credit and Finance's return on equity is 20.3%, and it has net margins of 29.9%.

Key information

15.7%

Earnings growth rate

15.7%

EPS growth rate

Consumer Finance Industry Growth12.6%
Revenue growth rate11.7%
Return on equity20.3%
Net Margin29.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Commercial Credit and Finance makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

COSE:COCR.N0000 Revenue, expenses and earnings (LKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2416,9545,0724,7910
30 Jun 2415,8904,6334,7160
31 Mar 2414,6434,3564,3910
31 Dec 2312,4623,2514,2140
30 Sep 2310,8522,6093,9790
30 Jun 2310,3242,4523,7920
31 Mar 2310,7222,6163,8190
31 Dec 2211,6163,6593,6830
30 Sep 2212,5844,3473,5530
30 Jun 2212,6454,5773,3580
31 Mar 2212,0994,5203,0720
31 Dec 2110,6363,7973,2010
30 Sep 219,4723,0113,0750
30 Jun 219,0152,6322,9610
31 Mar 218,5962,3352,8980
31 Dec 207,7821,3662,8410
30 Sep 208,3941,6272,9640
30 Jun 208,3671,7273,0940
31 Mar 208,8462,0053,2480
31 Dec 199,7672,3273,6780
30 Sep 1910,2302,5753,7550
30 Jun 1910,4092,5243,8790
31 Mar 1910,8502,6333,9360
31 Dec 1810,2972,6493,0230
30 Sep 189,9852,5183,0310
30 Jun 1810,1842,6042,9910
31 Mar 1810,0122,5413,0520
31 Dec 1710,1192,5823,6150
30 Sep 1710,0842,8493,6580
30 Jun 1710,0992,9863,6280
31 Mar 1710,2933,1153,6790
31 Dec 169,8372,9263,6280
30 Sep 169,0382,5673,4040
30 Jun 168,6502,3693,5550
31 Mar 168,2632,3183,5210
31 Dec 158,5072,3673,4750
30 Sep 158,1642,3283,4030
30 Jun 157,3972,3243,0380
31 Mar 156,7292,1922,7170
31 Dec 145,7721,9632,4820
30 Sep 145,1481,6462,2980
30 Jun 144,5001,3262,1060
31 Mar 143,7751,0081,8760
31 Dec 133,3357681,6180

Quality Earnings: COCR.N0000 has high quality earnings.

Growing Profit Margin: COCR.N0000's current net profit margins (29.9%) are higher than last year (24%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: COCR.N0000's earnings have grown by 15.7% per year over the past 5 years.

Accelerating Growth: COCR.N0000's earnings growth over the past year (94.4%) exceeds its 5-year average (15.7% per year).

Earnings vs Industry: COCR.N0000 earnings growth over the past year (94.4%) exceeded the Consumer Finance industry 45.9%.

Return on Equity

High ROE: COCR.N0000's Return on Equity (20.3%) is considered high.

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 16:18
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

Commercial Credit and Finance PLC is covered by 2 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Prakatheesh NareshkumarAsia Securities (Private) Limited
Hiruni PereraFirst Capital Holdings PLC