PMF Finance (COSE:PMB.N0000) - Stock Price, News & Analysis

PMB.N0000 Stock Overview

Provides financial services in Sri Lanka.

PMB.N0000 fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	2/6
Financial Health	3/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (10.7x) is below the Diversified Financial industry average (17.8x)

Became profitable this year

Risk Analysis

Highly volatile share price over the past 3 months compared to the LK market

High level of non-cash earnings

Does not have a meaningful market cap (LKR2B)

Does not have meaningful revenue (LKR1B)

PMF Finance PLC Competitors

SMB Finance

COSE:SEMB.N0000

LK₨5.5b

Housing Development Finance Corporation Bank of Sri Lanka

COSE:HDFC.N0000

LK₨2.3b

Merchant Bank of Sri Lanka & Finance

COSE:MBSL.N0000

LK₨2.8b

Associated Motor Finance

COSE:AMF.N0000

LK₨3.1b

Price History & Performance

Summary of all time highs, changes and price drops for PMF Finance
Historical stock prices
Current Share Price	LK₨5.20
52 Week High	LK₨6.30
52 Week Low	LK₨3.60
Beta	0.55
11 Month Change	6.12%
3 Month Change	1.96%
1 Year Change	18.18%
33 Year Change	-25.71%
5 Year Change	-46.94%
Change since IPO	-73.33%

Recent updates

Shareholder Returns

	PMB.N0000	LK Diversified Financial	LK Market
7D	4.0%	-0.6%	0.9%
1Y	18.2%	22.5%	9.4%

Return vs Industry: PMB.N0000 underperformed the LK Diversified Financial industry which returned 22.5% over the past year.

Return vs Market: PMB.N0000 exceeded the LK Market which returned 9.4% over the past year.

Price Volatility

Is PMB.N0000's price volatile compared to industry and market?
PMB.N0000 volatility
PMB.N0000 Average Weekly Movement	9.3%
Diversified Financial Industry Average Movement	6.2%
Market Average Movement	4.2%
10% most volatile stocks in LK Market	6.6%
10% least volatile stocks in LK Market	3.0%

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

Volatility Over Time: PMB.N0000'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
1983	336	Lansage Ajith Medis	pmf.lk

PMF Finance PLC provides financial services in Sri Lanka. It offers finance leases, hire purchase, gold and term loans, margin trading, and short-term investments, as well as public deposits mobilization services. The company also provides fixed deposits; savings and foreign investment deposit accounts; entrepreneur finance solutions for micro, small, and medium enterprises; auto loans and leasing; mortgage loans; and dealer finance solutions.

PMF Finance PLC Fundamentals Summary

How do PMF Finance's earnings and revenue compare to its market cap?
PMB.N0000 fundamental statistics
Market cap	LK₨2.11b
Earnings (TTM)	LK₨197.71m
Revenue (TTM)	LK₨1.33b

10.7x

P/E Ratio

1.6x

P/S Ratio

Is PMB.N0000 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PMB.N0000 income statement (TTM)
Revenue	LK₨1.33b
Cost of Revenue	LK₨0
Gross Profit	LK₨1.33b
Other Expenses	LK₨1.14b
Earnings	LK₨197.71m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.49
Gross Margin	100.00%
Net Profit Margin	14.81%
Debt/Equity Ratio	68.8%

How did PMB.N0000 perform over the long term?

See historical performance and comparison

PMB.N0000 Stock Overview

Rewards

Risk Analysis

PMF Finance PLC Competitors

COSE:SEMB.N0000

LK₨5.5b

COSE:HDFC.N0000

LK₨2.3b

COSE:MBSL.N0000

LK₨2.8b

COSE:AMF.N0000

LK₨3.1b

Price History & Performance

Recent News & Updates

PMF Finance PLC Announces Changes in the Composition of Board Sub Committees

PMF Finance PLC, Annual General Meeting, Sep 25, 2024

Investor sentiment improves as stock rises 23%

First quarter 2025 earnings released: EPS: LK₨0.10 (vs LK₨0.13 loss in 1Q 2024)

PMF Finance PLC Announces Executive Changes

Full year 2024 earnings released: EPS: LK₨0.25 (vs LK₨0.39 loss in FY 2023)

Recent updates

PMF Finance PLC Announces Changes in the Composition of Board Sub Committees

PMF Finance PLC, Annual General Meeting, Sep 25, 2024

Investor sentiment improves as stock rises 23%

First quarter 2025 earnings released: EPS: LK₨0.10 (vs LK₨0.13 loss in 1Q 2024)

PMF Finance PLC Announces Executive Changes

Full year 2024 earnings released: EPS: LK₨0.25 (vs LK₨0.39 loss in FY 2023)

Third quarter 2024 earnings released: EPS: LK₨0.12 (vs LK₨0.05 loss in 3Q 2023)

Second quarter 2024 earnings released: EPS: LK₨0.12 (vs LK₨0.05 loss in 2Q 2023)

People's Merchant Finance PLC, Annual General Meeting, Sep 26, 2023

First quarter 2024 earnings released: LK₨0.13 loss per share (vs LK₨0.16 loss in 1Q 2023)

Full year 2023 earnings released: LK₨0.39 loss per share (vs LK₨0.55 profit in FY 2022)

Full year 2023 earnings released: LK₨0.50 loss per share (vs LK₨0.55 profit in FY 2022)

Investor sentiment deteriorates as stock falls 16%

Investor sentiment improves as stock rises 16%

Third quarter 2023 earnings released: LK₨0.05 loss per share (vs LK₨0.09 profit in 3Q 2022)

PMF Finance PLC Announces Appointment of Lokugamhewage Terrance Kumara as Chief Executive Officer

Second quarter 2023 earnings released: LK₨0.05 loss per share (vs LK₨0.02 profit in 2Q 2022)

People's Merchant Finance Appoint Board of Directors

People's Merchant Finance PLC, Annual General Meeting, Sep 30, 2022

Investor sentiment improved over the past week

First quarter 2023 earnings released: LK₨0.16 loss per share (vs LK₨0.01 loss in 1Q 2022)

People's Merchant Finance plc Appoints Terrance Kumara as New Deputy CEO

High number of new directors

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Full year 2022 earnings released: EPS: LK₨0.40 (vs LK₨0.32 in FY 2021)

High number of new and inexperienced directors

Investor sentiment deteriorated over the past week

Third quarter 2022 earnings: Revenues and EPS in line with analyst expectations

Investor sentiment deteriorated over the past week

Investor sentiment improved over the past week

High number of new and inexperienced directors

Second quarter 2022 earnings released: EPS LK₨0.02 (vs LK₨0.11 in 2Q 2021)

Non-Executive Non-Independent Director recently sold LK₨5.1m worth of stock

Investor sentiment improved over the past week

High number of new and inexperienced directors

High number of new and inexperienced directors

High number of new and inexperienced directors

High number of new and inexperienced directors

High number of new and inexperienced directors

Non-Executive Non-Independent Director Duleep Daluwatte has left the company

New 90-day low: LK₨8.20

Third quarter 2021 earnings released: EPS LK₨0.15 (vs LK₨0.06 loss in 3Q 2020)

New 90-day high: LK₨9.80

Second quarter 2021 earnings released: EPS LK₨0.11

New 90-day high - LK₨9.00

First quarter earnings released

Full year earnings released - LK₨0.41 loss per share

Shareholder Returns

Price Volatility

About the Company

PMF Finance PLC Fundamentals Summary

10.7x

1.6x

Earnings & Revenue