HNB Finance (COSE:HNBF.X0000) - Stock Price, News & Analysis

HNBF.X0000 Stock Overview

HNB Finance PLC provides various financial services in Sri Lanka.

HNBF.X0000 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	0/6

Rewards

Became profitable this year

Risk Analysis

Earnings have declined by 27.4% per year over past 5 years

Highly volatile share price over the past 3 months

Does not have a meaningful market cap (LKR10B)

HNB Finance PLC Competitors

Vallibel Finance

COSE:VFIN.N0000

LK₨10.6b

Commercial Credit and Finance

COSE:COCR.N0000

LK₨11.9b

Citizens Development Business Finance

COSE:CDB.N0000

LK₨13.5b

Mercantile Investments and Finance

COSE:MERC.N0000

LK₨7.8b

Price History & Performance

Summary of all time highs, changes and price drops for HNB Finance
Historical stock prices
Current Share Price	LK₨5.70
52 Week High	LK₨6.20
52 Week Low	LK₨4.40
Beta	0.36
1 Month Change	1.79%
3 Month Change	11.76%
1 Year Change	9.62%
3 Year Change	-5.00%
5 Year Change	n/a
Change since IPO	35.71%

Recent updates

Shareholder Returns

	HNBF.X0000	LK Consumer Finance	LK Market
7D	-1.7%	-1.0%	0.3%
1Y	9.6%	39.5%	32.0%

Return vs Industry: HNBF.X0000 underperformed the LK Consumer Finance industry which returned 38.7% over the past year.

Return vs Market: HNBF.X0000 underperformed the LK Market which returned 31.8% over the past year.

Price Volatility

Is HNBF.X0000's price volatile compared to industry and market?
HNBF.X0000 volatility
HNBF.X0000 Average Weekly Movement	9.2%
Consumer Finance Industry Average Movement	6.1%
Market Average Movement	4.3%
10% most volatile stocks in LK Market	7.0%
10% least volatile stocks in LK Market	2.8%

Stable Share Price: HNBF.X0000 has not had significant price volatility in the past 3 months.

Volatility Over Time: HNBF.X0000's weekly volatility (9%) has been stable over the past year, but is still higher than 75% of LK stocks.

About the Company

Founded	Employees	CEO	Website
1999	n/a	Bamunuachchi Mangedarage Don Prabhath	www.hnbfinance.lk

HNB Finance PLC provides various financial services in Sri Lanka. It offers savings products; fixed and term deposits; housing, business, auto, micro, personal, education, and gold loans; leasing and hire purchase services; and supply chain financing services. The company was formerly known as HNB Finance Limited and changed its name to HNB Finance PLC in September 2020.

HNB Finance PLC Fundamentals Summary

How do HNB Finance's earnings and revenue compare to its market cap?
HNBF.X0000 fundamental statistics
Market cap	LK₨10.09b
Earnings (TTM)	LK₨585.63m
Revenue (TTM)	LK₨5.09b

17.3x

P/E Ratio

2.0x

P/S Ratio

Is HNBF.X0000 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
HNBF.X0000 income statement (TTM)
Revenue	LK₨5.09b
Cost of Revenue	LK₨0
Gross Profit	LK₨5.09b
Other Expenses	LK₨4.51b
Earnings	LK₨585.63m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	0.34
Gross Margin	100.00%
Net Profit Margin	11.49%
Debt/Equity Ratio	86.1%

How did HNBF.X0000 perform over the long term?

See historical performance and comparison

HNB Finance COSE:HNBF.X0000 Stock Report