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About the company
Commercial Credit and Finance PLC is a Sri Lanka-based financial services company. The Company is engaged in the acceptance of deposits, granting lease facilities, hire purchase, term loans, personal loans, pawning, other credit facilities, real estate development and related services. It offers solutions including fixed deposit, auto loan, educational loans, micro loan, and revolving business loan. The Company’s segments include Finance Lease, Hire Purchase, Microfinance and SME Loans, Gold loan, Term Loan, Revolving Loans, and Investments. The Company’s auto loan solution for the purpose of purchasing motor vehicles, motor cars, jeeps and motor vans. Its educational loan is a tailor-made financial solution for students who seek both local and foreign higher education. The Company’s microfinance loan product is designed to support small and medium women entrepreneurs in Sri Lanka.
- Revenue in LKR (TTM)12.07bn
- Net income in LKR3.25bn
- Incorporated1982
- Employees--
- LocationCommercial Credit and Finance PLCNo. 106 Yatinuwara VeediyaKANDY Sri LankaLKA
- Phone+94 812234963
- Fax+94 812234390
- Websitehttps://www.cclk.lk/
Peer analysis
- Key Information
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- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Associated Motor Finance Company PLC | 5.06bn | 313.55m | 2.69bn | 325.00 | 8.57 | 0.8296 | 6.97 | 0.5305 | 2.77 | 2.77 | 44.69 | 28.57 | 0.2868 | 1,370.50 | -- | -- | 1.78 | 0.8404 | 8.47 | 3.06 | 44.40 | 42.82 | 6.19 | 3.88 | -- | -- | 0.1827 | -- | 27.12 | -2.07 | 56.41 | -6.84 | -24.71 | -- |
| Nation Lanka Finance PLC | 1.86bn | -1.41bn | 2.80bn | 427.00 | -- | 0.6754 | -- | 1.51 | -0.4962 | -0.4962 | 0.6479 | 0.5922 | 0.187 | -- | 1.82 | 4,349,271.00 | -14.22 | -2.49 | -15.15 | -3.55 | -9.47 | 36.62 | -76.05 | -13.79 | -- | -- | 0.5279 | -- | 35.93 | -13.16 | -270.18 | -- | -2.32 | -- |
| Alliance Finance Company PLC | 13.24bn | 794.91m | 3.59bn | 1.33k | 3.41 | 0.4818 | 3.28 | 0.271 | 31.19 | 31.19 | 486.62 | 221.05 | 0.2483 | -- | -- | 9,941,426.00 | 1.54 | 1.70 | 10.57 | 9.14 | 38.90 | 51.19 | 6.21 | 7.64 | -- | -- | 0.7671 | 23.85 | 49.17 | 12.59 | -64.30 | -5.34 | 6.91 | 17.32 |
| Singer Finance (Lanka) PLC | 7.57bn | 404.24m | 3.62bn | 751.00 | 8.95 | 0.6937 | 5.32 | 0.4777 | 2.00 | 2.00 | 37.47 | 25.80 | 0.221 | -- | 0.7466 | -- | 1.18 | 1.62 | 1.22 | 1.72 | -- | -- | 5.34 | 7.82 | -- | 1.11 | 0.6125 | -- | 6.02 | 14.68 | -1.18 | -5.69 | 3.89 | -- |
| SMB Finance PLC | 775.51m | 117.43m | 4.50bn | 51.00 | 48.78 | 1.64 | 30.86 | 8.58 | 0.0123 | 0.0114 | 0.0549 | 0.3648 | -- | -- | -- | -- | 2.14 | 1.19 | -- | -- | -- | -- | 21.57 | 11.27 | -- | -- | -- | 0.00 | 60.34 | 25.79 | 7.07 | 5.54 | 37.21 | -- |
| Dialog Finance PLC | 1.14bn | 39.44m | 5.11bn | 97.00 | 129.49 | 1.93 | 55.83 | 4.47 | 0.3359 | 0.3359 | 9.74 | 22.53 | 0.1824 | -- | 182.85 | 11,790,840.00 | 0.6291 | -- | 1.40 | -- | 65.53 | -- | 3.45 | -- | -- | 167.81 | 0.1649 | -- | 14.37 | -- | -41.22 | -- | -- | -- |
| Softlogic Finance PLC | 3.84bn | -3.23bn | 6.16bn | 521.00 | -- | 2.96 | -- | 1.60 | -5.30 | -5.30 | 6.31 | 2.16 | 0.1896 | -- | -- | -- | -15.93 | -4.42 | -20.32 | -12.69 | -5.98 | 29.42 | -84.01 | -28.29 | -- | -- | 0.7961 | -- | 31.28 | 0.456 | -220.09 | -- | -- | -- |
| Mercantile Investments and Finance PLC | 10.35bn | 307.18m | 7.82bn | 1.10k | 25.44 | 0.6802 | 16.84 | 0.7551 | 102.19 | 102.19 | 3,443.32 | 3,822.21 | 0.2101 | 28.35 | -- | 9,435,379.00 | 0.6236 | 1.19 | 1.78 | 2.87 | 34.64 | 47.43 | 2.97 | 6.94 | -- | -- | 0.2353 | 15.70 | 29.26 | 3.76 | -89.52 | -27.71 | -4.71 | -- |
| Vallibel Finance PLC | 18.70bn | 1.90bn | 10.34bn | 1.22k | 5.45 | 0.8485 | -- | 0.5526 | 8.06 | 8.06 | 79.44 | 51.74 | 0.2215 | -- | -- | 15,330,990.00 | 2.25 | 2.80 | 5.77 | 6.96 | -- | -- | 10.14 | 16.31 | -- | 1.30 | 0.8599 | 2.84 | 57.86 | 20.16 | -53.29 | 5.44 | -4.85 | -- |
| Commercial Credit and Finance PLC | 12.07bn | 3.25bn | 11.32bn | -- | 1.86 | 0.5092 | 3.31 | 0.938 | 19.16 | 19.16 | 46.46 | 69.91 | 0.1158 | -17.89 | -- | -- | 3.12 | 3.07 | 3.14 | 3.13 | 122.35 | 115.48 | 26.93 | 25.44 | -- | -- | 0.4328 | 14.65 | -6.96 | -1.44 | -42.12 | 0.5889 | 17.91 | -- |
| Citizens Development Business Finance | 23.09bn | 1.55bn | 12.42bn | 1.68k | 9.71 | 0.6339 | -- | 0.5379 | 21.14 | 21.14 | 314.11 | 323.80 | 0.1993 | -- | -- | 13,719,540.00 | 1.34 | 2.40 | 2.98 | 5.35 | 40.77 | 50.91 | 6.72 | 12.71 | -- | -- | 0.6547 | 12.22 | 22.70 | 12.34 | -54.96 | 2.34 | 0.2659 | 0.6053 |
| People's Leasing & Finance PLC | 38.46bn | 3.94bn | 25.85bn | 3.00k | 6.57 | 0.5671 | 5.70 | 0.6723 | 1.83 | 1.83 | 17.85 | 21.16 | 0.2068 | -- | 31.52 | 12,839,780.00 | 2.11 | 2.38 | 5.30 | 6.42 | 48.16 | 58.30 | 10.19 | 12.35 | -- | -- | 0.3034 | 36.67 | 20.15 | 3.67 | -27.02 | -6.15 | -11.25 | -- |
| Central Finance Company PLC | 20.88bn | 7.84bn | 28.43bn | 1.58k | 3.62 | 0.4176 | 3.23 | 1.36 | 34.49 | 34.49 | 91.83 | 299.32 | 0.1829 | 5.20 | 20.13 | -- | 7.17 | 5.77 | 7.50 | 6.09 | 69.48 | 69.29 | 39.21 | 33.08 | -- | -- | 0.0134 | -- | 5.33 | -0.9621 | 8.52 | 9.24 | -11.97 | 11.57 |
