How does LOFC.N0000's PE Ratio compare to its peers?

LOFC.N0000 is expensive based on its Price-To-Earnings Ratio (8.2x) compared to the peer average (7.3x).

How does LOFC.N0000's PE Ratio compare vs other companies in the LK Consumer Finance Industry?

LOFC.N0000 is good value based on its Price-To-Earnings Ratio (8.2x) compared to the Asian Consumer Finance industry average (14.2x).

What is LOFC.N0000's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate LOFC.N0000's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of LOFC.N0000 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

LOFC.N0000 (LKR6) is trading above our estimate of [[fair value]] (LKR2.63)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

LOLC Finance (COSE:LOFC.N0000) - Stock Price, News & Analysis

LOFC.N0000 Stock Overview

A non-banking financial institution, provides various financial products and services in Sri Lanka. More details

LOFC.N0000 fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	0/6
Past Performance	3/6
Financial Health	4/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (8.2x) is below the LK market (8.4x)

Earnings have grown 35.5% per year over the past 5 years

Risk Analysis

Volatile share price over the past 3 months compared to the LK market

Large one-off items impacting financial results

LOLC Finance PLC Competitors

LOLC Holdings

COSE:LOLC.N0000

LK₨207.1b

LB Finance

COSE:LFIN.N0000

LK₨43.7b

Senkadagala Finance

COSE:SFCL.N0000

LK₨32.4b

Central Finance

COSE:CFIN.N0000

LK₨28.4b

Price History & Performance

Summary of all time highs, changes and price drops for LOLC Finance
Historical stock prices
Current Share Price	LK₨6.00
52 Week High	LK₨7.50
52 Week Low	LK₨3.90
Beta	0.81
11 Month Change	0%
3 Month Change	9.09%
1 Year Change	30.43%
33 Year Change	-77.70%
5 Year Change	53.85%
Change since IPO	-40.00%

Recent updates

Shareholder Returns

	LOFC.N0000	LK Consumer Finance	LK Market
7D	-7.7%	-3.7%	-1.8%
1Y	30.4%	21.7%	18.2%

Return vs Industry: LOFC.N0000 exceeded the LK Consumer Finance industry which returned 21.7% over the past year.

Return vs Market: LOFC.N0000 exceeded the LK Market which returned 18.2% over the past year.

Price Volatility

Is LOFC.N0000's price volatile compared to industry and market?
LOFC.N0000 volatility
LOFC.N0000 Average Weekly Movement	5.5%
Consumer Finance Industry Average Movement	4.5%
Market Average Movement	4.3%
10% most volatile stocks in LK Market	6.4%
10% least volatile stocks in LK Market	3.0%

Stable Share Price: LOFC.N0000's share price has been volatile over the past 3 months compared to the LK market.

Volatility Over Time: LOFC.N0000's weekly volatility (5%) has been stable over the past year, but is still higher than 75% of LK stocks.

About the Company

Founded	Employees	CEO	Website
2001	5,058	Don Manuwelge Don Thilakaratne	www.lolcfinance.com

LOLC Finance PLC, a non-banking financial institution, provides various financial products and services in Sri Lanka. The company operates through Conventional Financial Services, Islamic Financial Services, and Factoring segments. It offers savings accounts, fixed deposits, fixed deposit bonds, senior citizens savings accounts and fixed deposits, and children’s savings accounts.

LOLC Finance PLC Fundamentals Summary

How do LOLC Finance's earnings and revenue compare to its market cap?
LOFC.N0000 fundamental statistics
Market cap	LK₨201.78b
Earnings (TTM)	LK₨24.13b
Revenue (TTM)	LK₨44.97b

8.2x

P/E Ratio

4.4x

P/S Ratio

Is LOFC.N0000 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
LOFC.N0000 income statement (TTM)
Revenue	LK₨44.97b
Cost of Revenue	LK₨991.30m
Gross Profit	LK₨43.98b
Other Expenses	LK₨19.85b
Earnings	LK₨24.13b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.73
Gross Margin	97.80%
Net Profit Margin	53.65%
Debt/Equity Ratio	18.2%

How did LOFC.N0000 perform over the long term?

See historical performance and comparison

LOFC.N0000 Stock Overview

Rewards

Risk Analysis

LOLC Finance PLC Competitors

COSE:LOLC.N0000

LK₨207.1b

COSE:LFIN.N0000

LK₨43.7b

COSE:SFCL.N0000

LK₨32.4b

COSE:CFIN.N0000

LK₨28.4b

Price History & Performance

Recent News & Updates

New minor risk - Earnings quality

Investor sentiment improves as stock rises 19%

LOLC Finance PLC, Annual General Meeting, Sep 26, 2024

New minor risk - Earnings quality

New minor risk - Earnings quality

Investor sentiment improves as stock rises 17%

Recent updates

New minor risk - Earnings quality

Investor sentiment improves as stock rises 19%

LOLC Finance PLC, Annual General Meeting, Sep 26, 2024

New minor risk - Earnings quality

New minor risk - Earnings quality

Investor sentiment improves as stock rises 17%

Investor sentiment improves as stock rises 20%

New minor risk - Share price stability

Now 21% undervalued after recent price drop

LOLC Finance PLC, Annual General Meeting, Sep 27, 2023

New major risk - Earnings quality

Investor sentiment improves as stock rises 15%

Investor sentiment improves as stock rises 20%

New major risk - Shareholder dilution

Investor sentiment deteriorated over the past week

Less than half of directors are independent

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

Less than half of directors are independent

Investor sentiment deteriorated over the past week

Less than half of directors are independent

LOLC Finance PLC Appoints D M D K Thilakaratne as Chief Executive Officer

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

Investor sentiment deteriorated over the past week

CEO & Executive Director recently sold LK₨4.3m worth of stock

Investor sentiment improved over the past week

Investor sentiment improved over the past week

New 90-day high: LK₨4.40

New 90-day high - LK₨4.00

Shareholder Returns

Price Volatility

About the Company

LOLC Finance PLC Fundamentals Summary

8.2x

4.4x

Earnings & Revenue