Banks & Finance · Finance/Rental/Leasing
Dialog Finance PLC is a Sri Lanka-based, fintech-focused non-bank financial services company and a subsidiary of Dialog Axiata PLC, registered by the Monetary Board of the Central Bank of Sri Lanka under the Finance Business Act No. 42 of 2011.
CALF shares are up 70.3% over the past year and last closed at Rs 120.75 on Sep 30, 2026.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.1 | +49.5 | -4.1 | +13.0 | -1.5 | -10.3 | -7.1 | +7.2 | -7.1 | +0.0 | +0.0 | +0.0 |
| 2025 | -7.3 | -2.5 | -3.5 | +3.6 | +0.7 | +0.5 | +28.6 | +31.3 | -6.4 | +15.6 | +21.7 | -4.3 |
| 2024 | -0.4 | -9.2 | -2.3 | -3.4 | +0.7 | -3.7 | -18.2 | -2.2 | +18.5 | +5.0 | +4.1 | +4.8 |
| 2023 | +13.5 | -9.1 | -5.5 | -2.3 | +12.2 | -8.8 | +9.1 | -10.4 | +1.7 | -8.0 | -0.2 | -5.0 |
| 2022 | +36.3 | -9.2 | -46.8 | +0.0 | +0.0 | +2.7 | +21.7 | -10.8 | -0.7 | -19.4 | +20.5 | -6.0 |
| 2021 | -8.9 | +9.8 | +2.1 | +20.5 | +0.0 | +0.0 | -6.4 | -10.0 | +2.5 | -3.6 | -1.2 | -11.0 |
| 2020 | -7.5 | +7.1 | +0.0 | +0.0 | +0.0 | +3.1 | -2.8 | +7.7 | +40.2 | -5.7 | +8.0 | +3.7 |
| 2019 | -1.1 | -11.4 | -9.0 | +10.1 | -20.7 | +4.8 | +16.9 | -2.6 | +8.1 | +12.5 | -1.8 | -2.9 |
| 2018 | +20.0 | +6.7 | -13.2 | +46.4 | +10.9 | -1.5 | +5.0 | +9.5 | -12.4 | +9.2 | -10.0 | +12.4 |
| 2017 | +0.0 | +0.0 | +0.0 | +20.0 | +16.7 | -7.1 | +16.9 | -1.3 | +82.0 | +1.1 | -15.6 | -3.4 |
| 2016 | -9.5 | -29.9 | +18.1 | +2.7 | -1.8 | +0.0 | -0.9 | +0.9 | +2.7 | +0.0 | -14.8 | +0.0 |
| 2015 | -1.3 | +4.6 | -18.7 | +15.4 | -2.0 | -4.1 | +8.5 | -7.8 | -1.4 | +2.9 | +0.7 | +2.8 |
| 2014 | +15.1 | -18.9 | +2.8 | +0.0 | -4.8 | +15.1 | -7.5 | +4.7 | +0.0 | +13.5 | -13.1 | +1.3 |
| 2013 | -19.8 | -15.6 | -14.9 | +27.3 | +29.7 | -20.3 | -6.9 | -14.3 | +3.3 | +9.7 | -6.5 | -4.4 |
| 2012 | +0.0 | +0.0 | +0.0 | -8.2 | -36.3 | +0.5 | +27.0 | +5.0 | -7.4 | -2.2 | -14.2 | +7.8 |
| Average | +2.3 | -2.0 | -7.3 | +11.2 | +0.3 | -2.1 | +5.6 | +0.5 | +8.2 | +2.2 | -1.6 | -0.3 |
| 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 | -1.1 | -5.8 | -4.1 | +10.1 | -0.4 | -0.7 | +5.0 | -1.3 | +1.7 | +2.0 | -1.5 | -2.9 |
| % up | 38% | 36% | 23% | 69% | 50% | 43% | 53% | 47% | 53% | 57% | 36% | 46% |
| Line | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Total income | Rs 2.4B +106.6% | Rs 1.1B +51.4% | Rs 756.7M +13.4% | Rs 667.6M +212.3% | Rs 213.8M +26.7% | Rs 168.7M -30.8% | Rs 243.9M +101.1% | Rs 121.3M +15.5% |
| Operating profit | Rs 437.5M +893.2% | Rs 44.0M -57.2% | Rs 102.9M -10.7% | Rs 115.3M | Rs -72.6M | Rs -186.3M | Rs -128.2M | Rs -28.9M |
| Net profit | Rs 159.7M turned profitable | Rs -41.1M fell into loss | Rs 39.4M -41.2% | Rs 67.1M turned profitable | Rs -77.2M loss narrowed | Rs -99.5M loss narrowed | Rs -129.4M loss widened | Rs -22.5M fell into loss |
| EPS | 1.36 | -0.35 | 0.34 -40.4% | 0.57 | -0.70 | -0.98 | -1.97 | -0.48 |
Compared with the same period a year earlier.
Parent company only. Subsidiaries are not included.
Per-share figures are as reported, not adjusted for splits.
No dividend records.
| # | Company | Price | Mkt cap | P/E | P/B | EPS | ROE | Div Yield |
|---|---|---|---|---|---|---|---|---|
| 1 | CALF.N0000 · this company | 120.75 | Rs 14.2B | 49.9 | 4.87 | 2.42 | 9.76% | 0.00% |
| 2 | SFIN.N0000 | 46.40 | Rs 12.9B | 7.6 | 1.31 | 6.07 | 17.69% | 2.16% |
| 3 | MERC.N0000 | 20.20 | Rs 12.8B | 8.9 | 0.74 | 2.26 | 7.83% | 0.82% |
| 4 | ALLI.N0000 | 303.50 | Rs 10.2B | 4.6 | 0.87 | 65.87 | 19.54% | 3.29% |
| 5 | SEMB.N0000 | 1.10 | Rs 8.0B | 55.0 | 2.70 | 0.02 | 4.20% | 0.00% |
| 6 | UBF.N0000 | 2.00 | Rs 6.4B | 57.1 | 1.96 | 0.04 | 3.47% | 0.00% |
| 7 | AFSL.N0000 | 83.20 | Rs 6.1B | 7.2 | 1.43 | 11.63 | 20.63% | 3.27% |
| 8 | BFN.N0000 | 27.80 | Rs 5.9B | 13.5 | 1.43 | 2.05 | 1.79% | 0.00% |
| Peer median · 7 companies | - | - | 8.9 | 1.43 | - | - | 0.82% |
Dialog Finance PLC is a Sri Lanka-based, fintech-focused non-bank financial services company and a subsidiary of Dialog Axiata PLC, registered by the Monetary Board of the Central Bank of Sri Lanka under the Finance Business Act No. 42 of 2011. The Company provides a range of digital financial products and services tailored to consumers, retailers & merchants, and small and medium enterprises, with an explicit focus on financial inclusion and technology-driven delivery. Its digital ecosystem is anchored by the Genie consumer app and Genie Business platform, and includes consumer lending and device financing, short-term digital loans, embedded finance for card transactions, savings and deposit products, and merchant payment solutions. The Company participates in national payment initiatives such as GovPay and LANKA QR, and offers merchant hardware and onboarding services including MPOS and standalone terminals. Dialog Finance has repositioned its MSME strategy around integrated digital payments combined with working-capital financing, expanded its device financing portfolio (LesiPay), reengineered its Quick Loan product, and exited the leasing business to focus capital and management on scalable, digitally aligned opportunities. Its operations and initiatives are described in the context of Sri Lanka's digital payments expansion and national digital initiatives.
Trading at a rich P/E 70.9, Dialog Finance just delivered a 24.3% operating margin, its best March print. The tension is valuation versus execution from here.
Read the full report (Aug 7, 2026) →No scored news in the last 30 days.
Dialog Axiata PLC partnered with Cool Planet to enable secure LankaQR payments via Dialog Pay at over 14 Cool Planet outlets, offering complimentary Dialog data on eligible QR transactions. Dialog Pay also links to eZ Cash/bank accounts and offers services including loans powered by Dialog Finance.
Dialog Axiata announced a partnership with Abans to accept Dialog Pay LankaQR across Abans' network of more than 400 showrooms, rewarding eligible QR payments with complimentary Dialog data. The tie-up also integrates Dialog Finance services (wallets, savings, fixed deposits and loans) into the merchant ecosystem.
Dialog Finance PLC partnered with Softlogic Life Insurance PLC to integrate its Genie Business Internet Payment Gateway, enabling customers to pay premiums via Visa, Mastercard and Amex with payment links, tokenisation and PCI DSS-certified security.
The Colombo Stock Exchange held the 7th CSE Masterminds Quiz, with Acuity Knowledge Partners (Team 2) winning the grand cash prize of Rs. 1,000,000. Sector winners included Dialog Finance (Leasing & Finance), John Keells Stock Brokers (Stock Brokering) and NDB Wealth Management, and many listed firms participated as sponsors.
Dialog Finance PLC launched three Lesi Pay smartphone financing features—doorstep delivery (within three working days), a buy-back upgrade program and device protection—offering instant app approvals, minimal down payments and up to 18 months flexible repayment.
Colombo ASPI rose 1.63% to 16,176.10 after a US‑China 90‑day tariff pause and some positive interim/annual results lifted markets. Banking names HNB, Central Finance, Commercial Bank and Sampath led gains while DFCC fell after interim results, Dialog Finance noted fraud-related legal action and coconut exporters slipped.
Uditha Jayasinghe was appointed Independent, Non-Executive Director of Dialog Finance PLC, filling the vacancy left by Ajith Akmeemana's resignation. He is a Chartered Accountant with over 20 years' financial leadership experience and holds an MBA with distinction.
Commercial Bank of Ceylon PLC won the Overall Gold Award for Excellence in Digital Payments at the LankaPay Technnovation Awards 2025. LOLC Finance PLC won Overall Gold in the Non‑Bank Financial Institutions category, with DFCC, L B Finance, Seylan, Amana and Hatton National Bank among other winners.
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.
Auto-generated from 45 sector news articles over 14 days. Not investment advice.