LOLC Finance PLC

COSE:LOFC.N0000 Stock Report

Market Cap: LK₨221.6b

LOLC Finance Past Earnings Performance

Past criteria checks 3/6

LOLC Finance has been growing earnings at an average annual rate of 35.5%, while the Consumer Finance industry saw earnings growing at 16.9% annually. Revenues have been growing at an average rate of 36% per year. LOLC Finance's return on equity is 18.5%, and it has net margins of 53.7%.

Key information

35.5%

Earnings growth rate

-5.7%

EPS growth rate

Consumer Finance Industry Growth12.6%
Revenue growth rate36.0%
Return on equity18.5%
Net Margin53.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

No updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

COSE:LOFC.N0000 Revenue, expenses and earnings (LKR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2444,97524,13020,6130
30 Jun 2442,22623,15419,9030
31 Mar 2441,13021,54719,6050
31 Dec 2337,22020,21819,5180
30 Sep 2336,46317,76918,7400
30 Jun 2333,49616,27018,3520
31 Mar 2330,35415,39317,3470
31 Dec 2223,90815,68414,6940
30 Sep 2224,27416,92412,8470
30 Jun 2224,32517,81910,8010
31 Mar 2222,27916,9519,4690
31 Dec 2117,80512,3458,9980
30 Sep 2113,4577,3999,0980
30 Jun 219,9164,8119,4980
31 Mar 216,3134,3669,1360
31 Dec 207,6776,9909,6150
30 Sep 206,6983,0299,5390
30 Jun 207,4353,0589,2330
31 Mar 2012,1653,7809,6340
31 Dec 1910,5634,9059,2740
30 Sep 1911,7775,2149,5340
30 Jun 1914,9935,9049,7910
31 Mar 1916,8315,9639,9000
31 Dec 1821,4103,3059,3480
30 Sep 1819,6993,2517,8990
30 Jun 1816,1232,6436,4320
31 Mar 1812,8752,1915,1890
31 Dec 178,7731,4334,2870
30 Sep 178,9321,4934,1550
30 Jun 179,0461,6634,2520
31 Mar 178,5191,5874,0490
31 Dec 168,1591,3443,9600
30 Sep 167,6271,3683,5880
30 Jun 167,2601,3853,3130
31 Mar 166,9131,4273,0750
31 Dec 157,7541,4363,0980
30 Sep 157,6711,5273,0370
30 Jun 157,4631,6172,8940
31 Mar 156,9601,4842,7580
31 Dec 146,2281,4272,5610
30 Sep 145,6091,1992,4110
30 Jun 145,2941,1552,2110
31 Mar 144,9071,0002,0780
31 Dec 133,1917821,7980

Quality Earnings: LOFC.N0000 has a large one-off gain of LKR4.4B impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: LOFC.N0000's current net profit margins (53.7%) are higher than last year (48.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: LOFC.N0000's earnings have grown significantly by 35.5% per year over the past 5 years.

Accelerating Growth: LOFC.N0000's earnings growth over the past year (35.8%) exceeds its 5-year average (35.5% per year).

Earnings vs Industry: LOFC.N0000 earnings growth over the past year (35.8%) did not outperform the Consumer Finance industry 45.9%.

Return on Equity

High ROE: LOFC.N0000's Return on Equity (18.5%) 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 Analysis2024/12/23 19:43
End of Day Share Price 2024/12/23 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

LOLC Finance PLC is covered by 1 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
Nisansala KuruppumudaliFirst Capital Holdings PLC