Financials LB Finance PLC

Equities

LFIN.N0000

LK0301N00008

Consumer Lending

End-of-day quote Colombo S.E. 23:00:00 30/06/2024 BST 5-day change 1st Jan Change
69.5 LKR -4.14% Intraday chart for LB Finance PLC -3.20% +11.56%

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Capitalization 1 16,636 16,691 26,262 32,135 30,473 34,739
Enterprise Value (EV) 1 35,173 32,067 37,414 54,392 45,949 49,742
P/E ratio 3.28 x 3.2 x 3.86 x 3.77 x 3.56 x 3.58 x
Yield 9.99% - 14.8% 8.62% 9.09% 9.17%
Capitalization / Revenue 1.08 x 1.05 x 1.58 x 1.6 x 1.39 x 1.25 x
EV / Revenue 2.29 x 2.02 x 2.25 x 2.71 x 2.1 x 1.79 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.9 x 0.72 x 0.93 x 0.97 x 0.8 x 0.79 x
Nbr of stocks (in thousands) 554,057 554,057 554,057 554,057 554,057 554,057
Reference price 2 30.02 30.12 47.40 58.00 55.00 62.70
Announcement Date 04/06/19 29/06/20 07/06/21 07/06/22 07/06/23 04/06/24
1LKR in Million2LKR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: März 2019 2020 2021 2022 2023 2024
Net sales 1 15,386 15,870 16,628 20,089 21,881 27,739
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 7,773 7,653 9,328 11,721 11,843 15,334
Net income 1 5,079 5,211 6,807 8,530 8,555 9,714
Net margin 33.01% 32.83% 40.94% 42.46% 39.1% 35.02%
EPS 2 9.168 9.405 12.29 15.40 15.44 17.53
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 3.000 - 7.000 5.000 5.000 5.750
Announcement Date 04/06/19 29/06/20 07/06/21 07/06/22 07/06/23 04/06/24
1LKR in Million2LKR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024
Net Debt 1 18,537 15,376 11,152 22,257 15,476 15,002
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 30% 25% 26.4% 27.5% 23.8% 23.6%
ROA (Net income/ Total Assets) 3.95% 3.71% 4.77% 5.54% 4.91% 5.03%
Assets 1 128,646 140,398 142,635 153,997 174,085 193,223
Book Value Per Share 2 33.30 41.80 51.20 60.00 69.20 79.30
Cash Flow per Share 2 7.330 11.70 11.50 26.40 8.450 17.30
Capex 1 557 939 540 772 690 905
Capex / Sales 3.62% 5.92% 3.25% 3.85% 3.15% 3.26%
Announcement Date 04/06/19 29/06/20 07/06/21 07/06/22 07/06/23 04/06/24
1LKR in Million2LKR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
69.5 LKR
Average target price
92.8 LKR
Spread / Average Target
+33.53%
Consensus

Annual profits - Rate of surprise