PMF Finance PLC Posts Strong Nine-Month Results of PBT Rs. 456.7 Million, Year-on-Year Growth of 139.3%

Financial Performance Highlights  

• Profit Before Income Tax climbed to Rs. 456.7 million, up 139.3%  year-on-year.  

• Gross Income rose to Rs. 3.84 billion, a 24.2% increase compared to  Rs. 3.09 billion in the same period last year.  

• Net Interest Income surged by 46.5% to Rs. 2.17 billion, reflecting  improved lending margins and loan book expansion.  

• Operating Profit Before Tax on Financial Services more than doubled,  reaching Rs. 660.6 million, compared to Rs. 286.7 million in 2024.  • Net Profit stood at Rs. 266.1 million, a 39.4% increase from Rs. 190.8  million in the prior year.  

Colombo, January 29, 2026 – PMF Finance PLC has reported a significant  improvement in its financial performance for the nine months ended  December 31, 2025, underscoring the company’s resilience and growth  momentum in a challenging economic environment. The company  recorded a gross income of Rs. 3.84 billion, reflecting a 24 percent  increase compared to the same period last year. Net interest income  surged by nearly 47 percent to Rs. 2.17 billion, driven by strong loan  growth and improved margins.  

Operating profit before tax on financial services more than doubled to Rs.  660.6 million, while profit before income tax rose sharply to Rs. 456.7  million, a 139 percent increase year-on-year. After accounting for income  tax expenses, net profit stood at Rs. 266.1 million, up 39 percent from Rs.  190.8 million in 2024. Earnings per share improved to Rs. 0.66, compared  to Rs. 0.47 in the previous year, reflecting stronger shareholder returns.  

The company’s balance sheet also showed healthy expansion. Total assets  grew to Rs. 23.08 billion, up 6.8 percent from March 2025, with loans and  advances increasing by 13.4 percent to Rs. 19.47 billion. Equity  strengthened to Rs. 3.31 billion, marking an 8.7 percent rise, while net  asset value per share climbed to Rs. 8.17. PMF Finance maintained a  debt-to-equity ratio of 5.74 times, slightly improved from 5.93, indicating  prudent leverage management.  

On the market front, PMF Finance’s share price reflected renewed investor  confidence. The stock closed at Rs. 14.00 at the end of December 2025,  nearly doubling from Rs. 7.90 a year earlier, with a high of Rs. 19.50  during the period. Sterling Capital Investments (Pvt) Ltd continued to hold 

a dominant 81.6 percent stake, while Peoples Bank and People’s Leasing  & Finance PLC accounted for 8.3 percent and 2.4 percent respectively.  Public holding stood at 18.4 percent, with over 10,900 shareholders,  meeting Colombo Stock Exchange requirements.  

Chairman Malik Cader emphasized that the company’s performance reflects  resilient growth in core lending operations, improved asset quality, and  disciplined cost management. He further noted that these results are a  testament to the dedication and commitment of PMF Finance’s staff, guided by  the strategic direction of the new Board of Directors. The Board, comprising  Malik Cader (Chairman), Dinesh De Silva, Bandara Rekogama, Nemantha  Abeysinghe, Sanjika Perera, Professor Dewasiri N. Jayantha, and Nalin  Warnakula, has played a pivotal role in steering the company toward sustainable  growth. With strengthened capital and liquidity positions, PMF Finance PLC is  well-positioned to pursue further expansion in 2026, reinforcing its role as a  leading player in Sri Lanka’s financial services sector