DSE : IDLC
IDLC Finance PLC. — Financial statements
Personal Credit Institutions · Bangladesh
Last price 41.4 BDT (At close: Oct 29, 2026) · Market cap 18.97B
Latest research: IDLC Finance valuation report: fair value BDT 21.9–42.8 (Oct 2026) · IDLC Finance: fair value range BDT 22–43 on a 15% median lending ROE against a 19% cost of equity
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 21.02B | 20.09B | 16.21B | 12.85B | 11.55B | 11.68B |
| Total Interest Expense | 13.33B | 12.63B | 9.97B | 7.56B | 6.12B | 5.46B |
| Net Interest Income | 7.69B | 7.46B | 6.24B | 5.29B | 5.43B | 6.23B |
| Commissions and Fees | 512.18M | 412.11M | 403.82M | 357.69M | 588.49M | 931.45M |
| Other Revenue | 836.32M | 386.71M | 433.49M | 528.80M | 337.29M | 217.38M |
| Revenue Before Loan Losses | 9.04B | 8.26B | 7.08B | 6.18B | 6.35B | 7.38B |
| Provision for Loan Losses | 628.44M | 597.89M | 618.67M | 997.19M | 803.20M | 1.11B |
| Revenue | 8.41B | 7.66B | 6.46B | 5.18B | 5.55B | 6.27B |
| Salaries & Employee Benefits | 2.31B | 2.10B | 1.93B | 1.86B | 1.80B | 1.74B |
| Cost of Services Provided | 443.74M | 440.00M | 386.30M | 397.05M | 409.42M | 319.11M |
| Other Operating Expenses | 328.54M | 356.39M | 306.21M | 294.03M | 203.86M | 218.79M |
| Total Operating Expenses | 3.40B | 3.16B | 2.88B | 2.79B | 2.65B | 2.53B |
| Operating Income | 5.01B | 4.50B | 3.58B | 2.39B | 2.89B | 3.73B |
| EBT Excluding Unusual Items | 5.01B | 4.50B | 3.58B | 2.39B | 2.89B | 3.73B |
| Gain (Loss) on Sale of Investments | -189.20M | -290.79M | -81.39M | 12.23M | -283.95M | -39.57M |
| Pretax Income | 4.83B | 4.22B | 3.51B | 2.41B | 2.62B | 3.70B |
| Income Tax Expense | 2.09B | 1.79B | 1.51B | 897.44M | 703.06M | 1.59B |
| Earnings From Continuing Ops. | 2.74B | 2.43B | 2.00B | 1.51B | 1.91B | 2.12B |
| Minority Interest in Earnings | -205.00 | -155.00 | -130.00 | -104.00 | -113.00 | -152.00 |
| Net Income | 2.74B | 2.43B | 2.00B | 1.51B | 1.91B | 2.12B |
| Net Income to Common | 2.74B | 2.43B | 2.00B | 1.51B | 1.91B | 2.12B |
| Shares Outstanding (Basic) | 458.68M | 458.31M | 458.31M | 458.31M | 458.31M | 458.31M |
| Shares Outstanding (Diluted) | 458.68M | 458.31M | 458.31M | 458.31M | 458.31M | 458.31M |
| EPS (Basic) | 5.97 | 5.31 | 4.37 | 3.30 | 4.18 | 4.62 |
| EPS (Diluted) | 5.97 | 5.31 | 4.37 | 3.30 | 4.18 | 4.62 |
| Free Cash Flow | 13.95B | 22.59B | 3.34B | -9.78B | -8.87B | 17.89B |
| Free Cash Flow Per Share | 30.41 | 49.30 | 7.29 | -21.34 | -19.35 | 39.03 |
| Dividend Per Share | 1.43 | 1.43 | 1.36 | 1.36 | 1.36 | 1.30 |
| Operating Margin | 59.56% | 58.72% | 55.46% | 46.17% | 52.17% | 59.55% |
| Profit Margin | 32.56% | 31.75% | 31.01% | 29.23% | 34.50% | 33.77% |
| Free Cash Flow Margin | 165.86% | 294.75% | 51.71% | -188.89% | -159.80% | 285.42% |
| Effective Tax Rate | 43.32% | 42.36% | 42.92% | 37.22% | 26.86% | 42.84% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 11.18B | 12.50B | 12.26B | 18.28B | 29.77B | 42.56B |
| Long-Term Investments | 44.88B | 40.34B | 18.56B | 9.80B | 8.71B | 5.36B |
| Loans & Lease Receivables | 121.37B | 120.37B | 111.86B | 113.77B | 104.70B | 89.77B |
| Other Receivables | 3.04B | 2.68B | 2.87B | 2.59B | 2.95B | |
| Property, Plant & Equipment | 3.62B | 2.94B | 2.47B | 1.39B | 1.46B | 1.56B |
| Other Intangible Assets | 42.17M | 29.11M | 20.44M | |||
| Other Current Assets | 1.11B | 926.46M | 997.58M | 677.39M | 377.33M | |
| Long-Term Deferred Tax Assets | 253.31M | 270.46M | 229.41M | 261.97M | 301.43M | |
| Other Long-Term Assets | 2.22B | 27.75M | 1.00 | -1.00 | ||
| Total Assets | 183.28B | 180.59B | 149.02B | 147.38B | 148.18B | 142.91B |
| Interest Bearing Deposits | 116.12B | 110.16B | 87.01B | 83.25B | 80.07B | 75.48B |
| Non-Interest Bearing Deposits | 375.08M | 185.92M | 370.49M | 172.49M | 124.90M | |
| Total Deposits | 116.12B | 110.54B | 87.20B | 83.63B | 80.25B | 75.61B |
| Accounts Payable | 940.55M | 824.04M | ||||
| Accrued Expenses | 5.59B | 4.75B | 4.35B | 4.27B | 4.27B | |
| Short-Term Debt | 10.22B | 6.18B | 3.80B | 15.14B | 18.90B | |
| Current Portion of Long-Term Debt | 17.43B | 11.92B | 9.07B | |||
| Long-Term Debt | 26.55B | 22.14B | 22.07B | 11.22B | 10.18B | 9.67B |
| Long-Term Leases | 290.73M | 411.70M | 392.01M | 492.73M | 575.16M | |
| Long-Term Unearned Revenue | 666.33M | 548.22M | 580.68M | 770.04M | 849.97M | |
| Current Income Taxes Payable | 1.64B | 1.32B | 1.00B | 2.03B | 2.95B | |
| Other Current Liabilities | 140.24M | 92.25M | 81.75M | 80.00M | 10.03M | |
| Long-Term Deferred Tax Liabilities | 103.44M | 136.65M | 115.47M | 150.31M | 185.12M | |
| Pension & Post-Retirement Benefits | 239.05M | 149.57M | 79.52M | 78.24M | 79.12M | |
| Other Long-Term Liabilities | 17.39B | 6.26B | 5.27B | 5.70B | 4.72B | 3.95B |
| Total Liabilities | 160.06B | 158.78B | 128.96B | 128.38B | 130.08B | 126.12B |
| Common Stock | 4.58B | 4.36B | 4.16B | 4.16B | 4.16B | 3.96B |
| Additional Paid-In Capital | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B | 1.26B |
| Retained Earnings | 17.01B | 15.88B | 14.39B | 13.37B | 12.66B | 11.57B |
| Comprehensive Income & Other | 368.14M | 304.79M | 253.93M | 211.35M | 34.51M | |
| Total Common Equity | 23.22B | 21.81B | 20.06B | 19.00B | 18.11B | 16.79B |
| Minority Interest | 4.07K | 3.92K | 3.76K | 3.64K | 3.54K | 3.43K |
| Shareholders' Equity | 23.22B | 21.81B | 20.06B | 19.00B | 18.11B | 16.79B |
| Total Liabilities & Equity | 183.28B | 180.59B | 149.02B | 147.38B | 148.18B | 142.91B |
| Total Debt | 26.55B | 32.66B | 28.67B | 32.85B | 37.73B | 38.21B |
| Net Cash (Debt) | -15.37B | -20.16B | -16.41B | -14.57B | -7.96B | 4.35B |
| Net Cash Per Share | -33.51 | -43.99 | -35.81 | -31.78 | -17.37 | 9.49 |
| Filing Date Shares Outstanding | 458.54M | 458.31M | 458.31M | 458.31M | 458.31M | 458.31M |
| Total Common Shares Outstanding | 458.54M | 458.31M | 458.31M | 458.31M | 458.31M | 458.31M |
| Working Capital | 16.44B | 7.95B | 27.35B | 25.62B | 24.04B | 24.85B |
| Book Value Per Share | 50.65 | 47.58 | 43.77 | 41.46 | 39.51 | 36.63 |
| Tangible Book Value | 23.22B | 21.81B | 20.06B | 18.96B | 18.08B | 16.77B |
| Tangible Book Value Per Share | 50.65 | 47.58 | 43.77 | 41.36 | 39.45 | 36.59 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 2.43B | 2.43B | 2.00B | 1.51B | 1.91B | 2.12B |
| Depreciation & Amortization | 271.98M | 271.98M | 251.35M | 220.56M | 232.22M | 243.61M |
| Other Amortization | 14.02M | 7.57M | 8.32M | |||
| Provision for Credit Losses | 888.68M | 888.68M | 700.06M | 984.96M | 1.09B | 1.15B |
| Change in Income Taxes | -1.45B | -1.45B | -1.19B | -1.93B | -1.62B | -1.13B |
| Change in Other Net Operating Assets | 11.19B | 19.38B | 74.36M | -14.45B | -14.79B | 11.19B |
| Other Operating Activities | 746.36M | 1.78B | 1.67B | 4.01B | 4.40B | 5.09B |
| Operating Cash Flow | 14.11B | 23.30B | 3.50B | -9.65B | -8.77B | 18.66B |
| Capital Expenditures | -162.33M | -705.78M | -161.04M | -135.07M | -96.74M | -777.89M |
| Sale of Property, Plant & Equipment | 79.91M | 56.85M | 13.81M | 18.23M | 13.13M | 13.27M |
| Investment in Securities | -13.37B | -21.79B | -8.75B | -1.10B | -3.35B | 3.25B |
| Other Investing Activities | -2.00 | -1.00 | ||||
| Investing Cash Flow | -13.45B | -22.43B | -8.90B | -1.22B | -3.43B | 2.49B |
| Common Dividends Paid | -652.50M | -623.78M | -623.45M | -626.07M | -593.99M | -584.23M |
| Financing Cash Flow | -652.50M | -623.78M | -623.45M | -626.07M | -593.99M | -584.23M |
| Net Cash Flow | 5.96M | 240.38M | -6.02B | -11.49B | -12.79B | 20.57B |
| Free Cash Flow | 13.95B | 22.59B | 3.34B | -9.78B | -8.87B | 17.89B |
| Free Cash Flow Margin | 165.86% | 294.75% | 51.71% | -188.89% | -159.80% | 285.42% |
| Free Cash Flow Per Share | 30.41 | 49.30 | 7.29 | -21.34 | -19.35 | 39.03 |
| Cash Interest Paid | 12.11B | 12.11B | 9.70B | 4.66B | 3.29B | 3.02B |
| Cash Income Tax Paid | 1.45B | 1.45B | 1.19B | 1.93B | 1.62B | 1.13B |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 18.97B | 15.58B | 13.59B | 19.33B | 19.33B | 23.87B |
| PE Ratio | 6.94 | 6.40 | 6.79 | 12.77 | 10.10 | 11.28 |
| PS Ratio | 2.26 | 2.03 | 2.10 | 3.73 | 3.48 | 3.81 |
| PB Ratio | 0.82 | 0.71 | 0.68 | 1.02 | 1.07 | 1.42 |
| P/FCF Ratio | 1.36 | 0.69 | 4.07 | 1.33 | ||
| P/OCF Ratio | 1.34 | 0.67 | 3.88 | 1.28 | ||
| Debt / Equity Ratio | 1.14 | 1.50 | 1.43 | 1.73 | 2.08 | 2.28 |
| Debt / FCF Ratio | 1.90 | 1.45 | 8.58 | 2.14 | ||
| Net Debt / Equity Ratio | 0.66 | 0.93 | 0.82 | 0.77 | 0.44 | -0.26 |
| Net Debt / FCF Ratio | 1.10 | 0.89 | 4.91 | -1.49 | -0.90 | -0.24 |
| Quick Ratio | 1.14 | 1.05 | 1.26 | 1.22 | 1.21 | 1.22 |
| Current Ratio | 1.14 | 1.06 | 1.27 | 1.23 | 1.21 | 1.22 |
| Asset Turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 |
| Return on Equity (ROE) | 12.33% | 11.63% | 10.26% | 8.16% | 10.97% | 13.21% |
| Return on Assets (ROA) | 1.55% | 1.48% | 1.35% | 1.02% | 1.31% | 1.57% |
| Return on Invested Capital (ROIC) | 5.65% | 5.03% | 4.07% | 2.79% | 3.82% | 4.61% |
| Earnings Yield | 14.42% | 15.62% | 14.73% | 7.83% | 9.90% | 8.86% |
| FCF Yield | 73.50% | 144.99% | 24.57% | -50.61% | -45.88% | 74.92% |
| Dividend Yield | 3.45% | 4.20% | 4.59% | 3.23% | 3.23% | 2.49% |
| Payout Ratio | 23.83% | 25.63% | 31.13% | 41.36% | 31.03% | 27.61% |
| Buyback Yield / Dilution | -0.14% | 0.00% | 0.00% | 0.00% | ||
| Total Shareholder Return | 3.31% | 4.20% | 4.59% | 3.23% | 3.23% | 2.49% |