EquityLK

Alliance Finance Company PLC

ALLI.N0000Undervalued

Banks & Finance · Finance/Rental/Leasing

Alliance Finance Company PLC (AFC) is a Sri Lankan non-bank financial institution providing a range of financial services to individuals, micro, small and medium enterprises (MSMEs) and businesses.

ALLI shares are down 23.5% over the past year and last closed at Rs 303.50 on Sep 30, 2026.

Rs 303.50
-0.33%
Price history
-23.50%

Monthly seasonality

Monthly total returns by year and calendar month
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026+6.2-4.8-11.8+11.1-2.9-2.9-7.0-2.3+1.7+0.0+0.0+0.0
2025+25.3-5.0-5.2+4.5+8.8+73.6+12.7-2.0+0.3+7.7-9.5-9.5
2024-1.5+6.5+8.0+12.2+4.9+3.7-13.4+2.3+8.9+7.9+13.3+22.9
2023+1.6-1.7+19.2-6.8-4.4+12.1+34.7+11.3-13.7-11.6+0.8+3.8
2022+47.6-26.0-42.0-23.1+6.6-4.5+2.0+63.0-13.9-4.0-14.2-5.0
2021+4.3-10.4+0.8+0.2+21.8+26.7-7.3-15.5+6.7+10.6+11.1+28.1
2020-13.3-8.9-17.3+0.0+0.0+12.7-9.3+13.8+19.1-4.5+3.2+10.3
2019+1.4-10.5-6.5-5.6-3.4+5.5+4.4-2.4-11.8+8.8+5.3+5.1
2018+0.8+7.9-9.7+7.0+0.1-2.9-2.6-1.8-3.8+1.6-8.7+1.7
2017-10.4-1.4-3.8+6.9+0.2+14.9+6.4-8.3-2.4+5.6-1.5-0.7
2016-1.7-3.5-7.5+9.5-6.2+2.6-3.8+37.2+0.4-0.8-9.5-6.2
2015+0.0-8.2-2.6+0.0+0.0+4.0-5.5+9.6-3.8-3.4+4.4-5.0
2014-2.0-2.1+2.6-3.8-2.2-0.5+9.4-4.5+11.0+3.0-1.2+0.0
2013+0.6+2.8+6.7+1.4+21.9-7.8-1.6-0.7-3.4-2.3-4.8-2.1
2012+0.0+0.0+0.0-14.3-3.6+17.6-0.9+5.3+21.3-5.5+0.6-1.4
Average+4.2-4.7-4.9-0.1+3.2+10.3+1.2+7.0+1.1+0.9-0.8+3.0
ASPI average+3.1-2.7-4.7+2.0+0.2+0.8+3.1+2.2+3.2-0.1+1.0+3.0
Median+0.7-4.1-4.5+1.4+0.1+4.0-1.6-0.7+0.3+0.4-0.3-0.4
% up57%21%36%62%54%67%40%47%53%50%50%43%
P/E
4.6
P/B
0.87
EPS
Rs 65.87
Div Yield
3.29%
Market Cap
Rs 10.2B
Beta
1.06
ROE
19.5%
Op Margin
35.5% (-2.3pp)

Fundamentals

LineFY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Total income
Rs 10.8B
+15.8%
Rs 9.4B
+38.1%
Rs 6.8B
+39.0%
Rs 4.9B
-16.9%
Rs 5.9B
+25.5%
Rs 4.7B
+10.3%
Rs 4.2B
+9.7%
Rs 3.9B
+8.9%
Operating profit
Rs 4.7B
+12.3%
Rs 4.2B
+70.1%
Rs 2.5B
+71.6%
Rs 1.4B
-51.6%
Rs 3.0B
+80.4%
Rs 1.6B
+88.5%
Rs 874.2M
+0.7%
Rs 868.1M
+10.5%
Net profit
Rs 2.3B
+25.4%
Rs 1.8B
+80.1%
Rs 1.0B
+80.3%
Rs 559.4M
-63.0%
Rs 1.5B
+153.4%
Rs 596.1M
+148.0%
Rs 240.4M
-28.0%
Rs 333.7M
-51.5%
EPS
65.87
+24.7%
52.82
+82.5%
28.95
+83.1%
15.81
-64.3%
44.29
+155.9%
17.31
+154.9%
6.79
-29.3%
9.61
-52.0%

Compared with the same period a year earlier.

Per-share figures are as reported, not adjusted for splits.

Recent dividends

  • 2026 · first and finalRs 10.00
  • 2025 · finalRs 9.20
  • 2025Rs 8.00
  • 2024 · first and finalRs 8.40
  • 2023 · first and finalRs 5.00
  • 2022 · finalRs 8.00
  • 2022 · first interimRs 6.50
  • 2021 · first and finalRs 5.50
Peer comparison7 peers in Banks & Finance
Sector overview Open in screener
1Dialog Finance PLC
CALF.N0000
Rs 120.75
P/E
49.9
P/B
4.87
ROE
9.76%
Yield
0.00%
2Singer Finance (Lanka) Plc
SFIN.N0000
Rs 46.40
P/E
7.6
P/B
1.31
ROE
17.69%
Yield
2.16%
3Mercantile Investments & Finance PLC
MERC.N0000
Rs 20.20
P/E
8.9
P/B
0.74
ROE
7.83%
Yield
0.82%
4Alliance Finance Company PLC
ALLI.N0000 · this company
Rs 303.50
P/E
4.6
P/B
0.87
ROE
19.54%
Yield
3.29%
5SMB Finance PLC
SEMB.N0000
Rs 1.10
P/E
55.0
P/B
2.70
ROE
4.20%
Yield
0.00%
6UB Finance PLC
UBF.N0000
Rs 2.00
P/E
57.1
P/B
1.96
ROE
3.47%
Yield
0.00%
7Abans Finance PLC
AFSL.N0000
Rs 83.20
P/E
7.2
P/B
1.43
ROE
20.63%
Yield
3.27%
8Janashakthi Finance PLC
BFN.N0000
Rs 27.80
P/E
13.5
P/B
1.43
ROE
1.79%
Yield
0.00%
Peer median · 7 companies
P/E 13.5P/B 1.43Yield 0.00%

About Alliance Finance Company PLC

Alliance Finance Company PLC (AFC) is a Sri Lankan non-bank financial institution providing a range of financial services to individuals, micro, small and medium enterprises (MSMEs) and businesses. The company operates under approvals referenced in its CSE listing (Credit Agency approved under the Mortgage Act (Cap.89) & The Trust Receipts Ordinance (Cap.86); approved & registered under The Control of Finance Companies Act No 78 of 1988).

Interest RatesGold & Pawning

AI analysis

bullish

Alliance Finance's June margins were among its strongest comparable June results despite an earnings decline. Low valuation is offset by very high funding leverage.

Read the full report (Sep 3, 2026) →

News sentiment

Describes news flow, not a forecast
Last 30 days
Not enough news to read

1 article in 30 days: 0 positive, 0 negative, 1 neutral.

24 months positive negative 3-month net
Nov 24: 2 articles, net +0.50Dec 24: 1 articles, net +1.00Feb 25: 5 articles, net +1.00Mar 25: 2 articles, net +1.00Apr 25: 3 articles, net +1.00May 25: 3 articles, net +0.58Jun 25: 2 articles, net +1.00Aug 25: 3 articles, net +0.33Sep 25: 3 articles, net +0.67Mar 26: 3 articles, net +0.33Jun 26: 7 articles, net -0.29Oct 24Feb 25Jun 25Oct 25Feb 26Jun 26
Recent news
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Daily FT·Jul 9, 2026·Earnings & resultsPositive
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People's Leasing & Finance PLC posted PAT of Rs.5.08bn (41% YoY) and PBT of Rs.8.56bn for FY2025/26, with total assets up 65% to Rs.321.23bn; the annual report also highlights new AI-powered and digital reporting features.

IT & Digital

Banks & Finance sector: what is happening

Last 14 days to Sep 30, 2026

With policy held at 8.75% amid 8.0% inflation, and Treasury and secondary bond yields rising during the window, banks face continued pressure to reprice deposits and loans while government-securities portfolios remain sensitive to yield moves. The rupee weakened and foreign investors sold rupee bonds for a second week. From 1 November, TIN verification will be required for bank accounts and credit cards, adding onboarding compliance.

The stories behind it

Auto-generated from 45 sector news articles over 14 days. Not investment advice.