Banks & Finance · Finance/Rental/Leasing
Commercial Credit and Finance PLC is a Sri Lanka-based non-bank financial services provider that offers a range of lending, leasing and investment products through its branch network.
COCR shares are down 34.4% over the past year and last closed at Rs 96.70 on Sep 30, 2026.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | +1.4 | -3.5 | -10.5 | +10.7 | +1.4 | -3.0 | -5.4 | -4.0 | -11.4 | +0.0 | +0.0 | +0.0 |
| 2025 | +7.0 | -11.8 | +4.5 | +23.0 | +6.2 | +21.8 | +27.7 | +17.8 | +8.8 | -2.7 | -7.9 | -3.6 |
| 2024 | -3.4 | +14.6 | +9.7 | -2.3 | +4.9 | +4.2 | +1.1 | -18.4 | +12.9 | +15.1 | +11.7 | +26.4 |
| 2023 | +7.1 | -0.4 | +10.5 | -9.1 | -8.8 | +17.4 | +61.5 | -15.7 | +1.4 | -14.1 | +3.3 | -7.9 |
| 2022 | +29.4 | +5.0 | -41.7 | -21.6 | +27.6 | -23.3 | +1.1 | +73.2 | -1.5 | -19.8 | -6.5 | -7.8 |
| 2021 | +6.8 | -13.5 | -7.4 | -2.3 | +5.8 | +16.4 | +2.0 | -0.8 | -6.9 | +5.4 | +2.4 | +18.8 |
| 2020 | -9.2 | -3.0 | -30.8 | +0.0 | +0.0 | +29.7 | -7.1 | -6.4 | +17.7 | -18.5 | +3.8 | +13.7 |
| 2019 | -5.3 | -7.4 | +8.0 | -5.6 | -9.4 | +20.8 | +2.2 | +1.8 | -5.2 | +1.5 | +5.7 | +0.0 |
| 2018 | +0.0 | +3.5 | -3.1 | -0.2 | -3.5 | -17.6 | -3.2 | -3.3 | -15.6 | +7.4 | +3.4 | -5.0 |
| 2017 | -10.5 | -5.0 | -16.2 | +10.8 | +1.4 | -4.0 | +1.2 | -1.1 | +0.0 | +0.2 | -2.6 | +2.4 |
| 2016 | -7.2 | -2.2 | -11.6 | +13.2 | -5.0 | +0.7 | +2.0 | -1.9 | +14.6 | +11.4 | +4.1 | -8.3 |
| 2015 | +2.2 | +2.2 | +8.7 | +19.6 | +11.4 | -6.6 | +5.3 | -3.6 | -9.2 | +1.7 | -12.0 | +0.4 |
| 2014 | +67.6 | -11.9 | -1.9 | -4.6 | +15.9 | +23.2 | +13.5 | +40.4 | +36.4 | +1.8 | -1.3 | +0.2 |
| 2013 | -9.3 | -15.0 | +3.2 | +0.8 | +0.0 | +0.8 | -5.3 | -5.6 | -7.7 | -2.8 | -1.9 | +1.9 |
| 2012 | +0.0 | +0.0 | +0.0 | -7.5 | -2.0 | +0.0 | -2.8 | +9.9 | +8.4 | -10.7 | -1.3 | +9.5 |
| Average | +5.5 | -3.5 | -5.6 | +1.8 | +3.3 | +5.4 | +6.2 | +5.5 | +2.8 | -1.7 | +0.1 | +2.9 |
| 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 | -3.3 | -2.5 | -1.3 | +1.4 | +0.8 | +1.2 | -1.9 | +0.0 | +0.8 | +0.5 | +0.3 |
| % up | 50% | 29% | 43% | 43% | 57% | 60% | 67% | 33% | 47% | 57% | 50% | 57% |
| Line | FY2026 | FY2025 | FY2024 | FY2023 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Total income | Rs 23.2B +4.7% | Rs 22.2B +31.4% | Rs 16.9B +12.1% | Rs 15.0B | Rs 13.0B +0.0% | Rs 13.0B -11.8% | Rs 14.8B +4.8% | Rs 14.1B +2.5% |
| Operating profit | Rs 14.3B +53.9% | Rs 9.3B +40.0% | Rs 6.6B +31.1% | Rs 5.1B | Rs 3.2B +44.6% | Rs 2.2B -53.7% | Rs 4.7B +22.7% | Rs 3.9B -8.6% |
| Net profit | Rs 9.8B +58.7% | Rs 6.1B +41.1% | Rs 4.4B +66.5% | Rs 2.6B | Rs 2.0B +0.0% | Rs 2.0B -23.9% | Rs 2.6B +3.7% | Rs 2.5B -18.4% |
| EPS | 30.66 +58.6% | 19.33 +41.2% | 13.69 +66.3% | 8.23 | 6.30 +0.0% | 6.30 -23.9% | 8.28 +3.6% | 7.99 -18.4% |
Compared with the same period a year earlier.
Per-share figures are as reported, not adjusted for splits.
| # | Company | Price | Mkt cap | P/E | P/B | EPS | ROE | Div Yield |
|---|---|---|---|---|---|---|---|---|
| 1 | LOFC.N0000 | 5.30 | Rs 156.7B | 5.6 | 0.97 | 0.94 | 17.18% | 0.00% |
| 2 | LFIN.N0000 | 152.00 | Rs 84.2B | 5.6 | 1.34 | 27.10 | 23.87% | 5.39% |
| 3 | CFIN.N0000 | 208.50 | Rs 47.4B | 4.5 | 0.55 | 46.37 | 12.21% | 3.12% |
| 4 | PLC.N0000 | 18.00 | Rs 40.9B | 6.7 | 0.75 | 2.68 | 10.81% | 3.79% |
| 5 | COCR.N0000 · this company | 96.70 | Rs 30.8B | 3.2 | 0.82 | 30.55 | 25.99% | 16.55% |
| 6 | SFCL.N0000 | 334.25 | Rs 30.3B | 14.6 | 2.22 | 22.82 | 15.66% | 0.84% |
| 7 | CDB.N0000 | 32.50 | Rs 23.3B | 5.0 | 0.81 | 6.46 | 15.90% | 5.38% |
| 8 | VFIN.N0000 | 84.50 | Rs 22.4B | 5.6 | 1.06 | 15.04 | 17.97% | 3.12% |
| Peer median · 8 companies | - | - | 5.6 | 1.02 | - | - | 3.12% |
Commercial Credit and Finance PLC is a Sri Lanka-based non-bank financial services provider that offers a range of lending, leasing and investment products through its branch network. Its operations include retail and business lending, lease and hire-purchase activities, deposit-taking and treasury/investment management. The company’s lending activities cover secured and unsecured products highlighted in the report such as gold loans, business loans and motorbike financing; its leasing arm provides lease rentals and hire-purchase solutions; and its treasury and investment activities manage liquid assets and investment properties while overseeing funding and deposit mix. The group has been focusing on asset quality, collections and diversification of funding sources. Sustainability and digital initiatives are integrated into the business strategy: the company pursues green financing (including partnerships with electric bike manufacturers and targets for EV financing), energy-efficiency in branches (solar power targets) and ongoing ICT investment to support operations and customer service.
Commercial Credit’s latest June quarter delivered its strongest operating and net margins among comparable June periods. The shares nevertheless sit at the 52-week low after a sharp year-long fall.
Read the full report (Sep 3, 2026) →No scored news in the last 30 days.
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Fintech Forum Sri Lanka vice-chair and LOLC Finance CEO Conrad Dias says Sri Lankan fintechs must target regional markets of up to about 200 million consumers to scale beyond the domestic market of ~20 million, urging stronger collaboration, supportive regulation and international partnerships.
Secondary bond yields remained broadly steady as the market consolidated recent gains; a Rs.140 billion Treasury Bill auction (below Rs.158.22bn maturing) is in focus. Net money-market liquidity stood at Rs.194.03bn with weighted overnight rates around 8.8%.
The Colombo stock market ended a four-session rally as the ASPI fell 0.07% to 21,402.80 and the S&P SL20 dipped 0.04% to 5,983.14; market turnover was over Rs.1.5bn and foreign investors were net sellers (net outflow Rs.356.2m).
Secondary bond market rallied, pushing Treasury yields lower across maturities (e.g. 15.12.29 at 10.90% and many 2030-33 tenors down around 11-11.9%). Money-market net liquidity surplus stood at Rs.196.36bn and USD/LKR spot closed at Rs.335.10/335.18.
Nearly 29% (95.4m shares) of Commercial Credit & Finance PLC changed hands in a book-built block sale for about Rs.9 billion, boosting CSE turnover to Rs.12.2 billion; Commercial Credit closed at Rs.107.50 (up Rs.1.75).
Colombo Stock Exchange midday indices rose, with the ASPI up 0.62% to 21,297.56 and market turnover 9.64 billion rupees, boosted by a Rs.9 billion trade in Commercial Credit & Finance. Hela Apparel filed for court-ordered winding up and Associated Motor Finance was delisted after amalgamation with L B Finance.
Dividend · Rs 7.00 · XD Sep 2, 2026
Final dividend of LKR 7/share; XD 2026-09-02; record 2026-09-03; payable 2026-09-17; FY 31 March 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.
Auto-generated from 45 sector news articles over 14 days. Not investment advice.