PMF Finance PLC records Rs. 300Mn Profit Before Taxes for the six months ending 30 September 2025

PMF Finance PLC has reported strong financial results for the six-month period ended 30 September 2025, reflecting sustained growth, strengthened capital adequacy, and improved asset quality.

Key Highlights

• The Company posted a profit before tax of LKR 300 million, compared to LKR 117 million in the previous year, reflecting a 157% increase.

• Net Profit After Tax: LKR 174 million for the six months ending 30 September 2025, up from LKR 110 million in the same period last year. 

• Total Assets: Increased to LKR 23.4 billion, compared to LKR 19.0 billion as of 30 September 2024.

The Company recorded an interest income of LKR 2.42 billion, a notable rise from LKR 1.87 billion during the corresponding period in 2024. After accounting for interest expenses of LKR 1.0 billion, net interest income stood at LKR 1.42 billion, significantly higher than LKR 890 million in the previous year.

Other income for the period amounted to LKR 96 million. Operating expenses totaled LKR 894 million, and impairment charges were LKR 198 million.

As of 30 September 2025:

• Total assets rose to LKR 23.4 billion from LKR 19.0 billion in September 2024.

• Loans and receivables increased to LKR 19.1 billion from LKR 13.3 billion in September 2024.

• Customer deposits grew to LKR 14.1 billion from LKR 13.0 billion in September 2024.

The Company continued to demonstrate capital strength with a Tier 1 and Total Capital Adequacy Ratio of 14.67%, exceeding regulatory requirements of 8.5% and 12.5% respectively. The Capital Funds to Deposit Liabilities Ratio stood at 22.73%, more than twice the minimum requirement of 10%.

Asset quality improvements were significant. The Gross Stage 3 Loans Ratio improved to 5.96% from 10.9%, while the Net Stage 3 Loans Ratio improved to 3.92% from 8.86% in September 2024 . The Stage 3 Impairment Coverage Ratio increased to 37.19%, reflecting strengthened credit risk management and prudent provisioning for credit losses.

Commenting on the performance, Chairman Mr. Malik Cader stated, “PMF Finance PLC is entering a promising phase of growth, and these results demonstrate our financial resilience and strategic clarity. Our focus will continue to be on strengthening our core and building capacity for future diversification in the financial services landscape.”

Chief Operating Officer, Mr. Ivon Brohier, added, “Our performance this quarter clearly reflects disciplined financial management and strong execution of our strategic roadmap. We remain committed to enhancing operational excellence, expanding our customer base, and creating long-term value for all stakeholders.”

These results underscore PMF Finance PLC’s commitment to prudent financial management, capital optimization, and asset quality improvement. The Company continues to strengthen its core business while laying out the foundation for expansion into new financial services. With an ongoing focus on governance, risk management, digital transformations, and customer-centric solutions, PMF Finance PLC is well-positioned to deliver sustainable, long-term value to its stakeholders