SEMB.X0000 Stock Overview

Provides finance leases, loans, and pawning services in Sri Lanka. More details

SEMB.X0000 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	0/6
Past Performance	1/6
Financial Health	2/6
Dividends	0/6

Risk Analysis

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

Large one-off items impacting financial results

Profit margins (17.5%) are lower than last year (52%)

Does not have a meaningful market cap (LKR5B)

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

SMB Finance PLC Competitors

PMF Finance

COSE:PMB.N0000

LK₨3.1b

Housing Development Finance Corporation Bank of Sri Lanka

COSE:HDFC.N0000

LK₨3.3b

Associated Motor Finance

COSE:AMF.N0000

LK₨4.1b

Singer Finance (Lanka)

COSE:SFIN.N0000

LK₨5.4b

Price History & Performance

Summary of share price highs, lows and changes for SMB Finance
Historical stock prices
Current Share Price	LK₨0.20
52 Week High	LK₨0.40
52 Week Low	LK₨0.20
Beta	0.65
1 Month Change	-33.33%
3 Month Change	-33.33%
1 Year Change	-33.33%
3 Year Change	-66.67%
5 Year Change	-33.33%
Change since IPO	-80.00%

Recent updates

Shareholder Returns

	SEMB.X0000	LK Diversified Financial	LK Market
7D	-33.3%	0.5%	-3.7%
1Y	-33.3%	-1.5%	48.2%

Return vs Industry: SEMB.X0000 underperformed the LK Diversified Financial industry which returned -1.5% over the past year.

Return vs Market: SEMB.X0000 underperformed the LK Market which returned 48.2% over the past year.

Price Volatility

Is SEMB.X0000's price volatile compared to industry and market?
SEMB.X0000 volatility
SEMB.X0000 Average Weekly Movement	55.9%
Diversified Financial Industry Average Movement	5.7%
Market Average Movement	5.4%
10% most volatile stocks in LK Market	8.3%
10% least volatile stocks in LK Market	3.6%

Stable Share Price: SEMB.X0000's share price has been volatile over the past 3 months compared to the LK market.

Volatility Over Time: SEMB.X0000's weekly volatility (56%) has been stable over the past year, but is still higher than 75% of LK stocks.

About the Company

Founded	Employees	CEO	Website
1992	51	Supul Wijesinghe	www.smblk.com

SMB Finance PLC provides finance leases, loans, and pawning services in Sri Lanka. The company operates through Leasing, Loans, Treasury, and Money Brokering segments. It offers leasing facilities to acquire movable properties, such as motor cars, buses, trucks, and machinery; and loan facilities to acquire movable and immovable property and personal loans, including land and motor cars.

SMB Finance PLC Fundamentals Summary

How do SMB Finance's earnings and revenue compare to its market cap?
SEMB.X0000 fundamental statistics
Market cap	LK₨5.15b
Earnings (TTM)	LK₨70.00m
Revenue (TTM)	LK₨400.53m

95.5x

P/E Ratio

16.7x

P/S Ratio

Is SEMB.X0000 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SEMB.X0000 income statement (TTM)
Revenue	LK₨400.53m
Cost of Revenue	LK₨0
Gross Profit	LK₨400.53m
Other Expenses	LK₨330.53m
Earnings	LK₨70.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.0073
Gross Margin	100.00%
Net Profit Margin	17.48%
Debt/Equity Ratio	45.8%

How did SEMB.X0000 perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/07 01:18
End of Day Share Price	2025/02/07 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

SMB Finance PLC is covered by 0 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.

SMB Finance COSE:SEMB.X0000 Stock Report