DSE : PLFSL
People's Leasing and Financial Services Limited — Financial statements
Miscellaneous business Credit Institutions · Bangladesh
Last price 1.8 BDT (At close: Oct 29, 2026) · Market cap 513.79M
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Financial statements
Income statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 143.61M | 133.24M | 5.51M | 242.78M | 1.17B | 1.25B |
| Total Interest Expense | 3.90B | 3.86B | 4.27B | 3.81B | 798.31M | 1.48B |
| Net Interest Income | -3.75B | -3.73B | -4.27B | -3.57B | 374.04M | -230.30M |
| Commissions and Fees | 1.23M | |||||
| Other Revenue | 75.94M | 93.38M | 79.31M | 51.66M | 31.44M | 25.41M |
| Revenue Before Loan Losses | -3.68B | -3.63B | -4.19B | -3.52B | 406.71M | -204.89M |
| Provision for Loan Losses | -58.90M | -58.90M | 404.63K | -730.67M | 30.00M | 124.98M |
| Revenue | -3.62B | -3.57B | -4.19B | -2.79B | 376.71M | -329.88M |
| Salaries & Employee Benefits | 36.50M | 35.65M | 34.12M | 21.89M | 129.17M | 83.53M |
| Cost of Services Provided | 24.76M | 38.84M | 22.34M | 26.01M | 42.78M | 30.58M |
| Other Operating Expenses | -8.45M | 527.07K | -12.96M | 18.03M | 100.27M | -27.80M |
| Total Operating Expenses | 60.48M | 83.49M | 52.56M | 76.31M | 286.28M | 100.69M |
| Operating Income | -3.68B | -3.66B | -4.24B | -2.86B | 90.43M | -430.57M |
| EBT Excluding Unusual Items | -3.68B | -3.66B | -4.27B | -3.15B | 90.43M | -430.57M |
| Gain (Loss) on Sale of Investments | 13.65M | -60.07M | ||||
| Pretax Income | -3.68B | -3.66B | -4.27B | -3.15B | 104.07M | -490.64M |
| Income Tax Expense | -431.26K | -2.05M | 1.51M | 27.79M | 52.07M | 3.00M |
| Net Income | -3.68B | -3.66B | -4.27B | -3.18B | 52.00M | -493.64M |
| Preferred Dividends & Other Adjustments | 23.19M | |||||
| Net Income to Common | -3.68B | -3.66B | -4.27B | -3.18B | 28.80M | -493.64M |
| Shares Outstanding (Basic) | 285.50M | 285.44M | 285.44M | 285.44M | 285.44M | 285.44M |
| Shares Outstanding (Diluted) | 285.50M | 285.44M | 285.44M | 285.44M | 285.44M | 285.44M |
| EPS (Basic) | -12.88 | -12.81 | -14.95 | -11.14 | 0.10 | -1.73 |
| EPS (Diluted) | -12.88 | -12.81 | -14.95 | -11.14 | 0.10 | -1.73 |
| Free Cash Flow | 62.36M | -201.82M | -67.39M | 102.66M | 1.63B | -1.24B |
| Free Cash Flow Per Share | 0.22 | -0.71 | -0.24 | 0.36 | 5.72 | -4.34 |
| Operating Margin | 24.00% | |||||
| Profit Margin | 7.65% | |||||
| Free Cash Flow Margin | 433.16% | |||||
| Effective Tax Rate | 50.04% |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 1.55B | 1.08B | 1.30B | 1.68B | 2.09B | 480.86M |
| Long-Term Investments | 360.28M | 916.92M | 902.61M | 582.34M | 1.69B | 1.86B |
| Loans & Lease Receivables | 10.59B | 10.78B | 11.06B | 12.18B | 9.85B | 9.46B |
| Other Receivables | 70.28M | 70.87M | 353.64M | 149.27M | 53.01M | |
| Property, Plant & Equipment | 46.46M | 57.97M | 62.89M | 65.85M | 112.73M | 112.94M |
| Other Intangible Assets | 11.35M | 10.50M | 13.12M | 560.39K | 667.19K | |
| Other Current Assets | 308.70M | 295.32M | 271.28M | 343.13M | 322.93M | |
| Long-Term Deferred Tax Assets | 21.78M | 35.32M | ||||
| Long-Term Deferred Charges | 1.57B | |||||
| Other Long-Term Assets | 635.79M | 25.14M | 25.18M | 30.15M | 17.04B | 16.96B |
| Total Assets | 13.19B | 13.25B | 13.72B | 15.18B | 32.86B | 29.28B |
| Interest Bearing Deposits | 37.11B | 35.67B | 34.62B | 32.08B | 19.20B | 16.01B |
| Non-Interest Bearing Deposits | 127.30M | |||||
| Total Deposits | 37.11B | 35.67B | 34.62B | 32.21B | 19.20B | 16.01B |
| Accrued Expenses | 2.81B | 2.39B | 2.08B | 538.37M | 554.30M | |
| Short-Term Debt | 514.00 | 620.00M | 590.00M | |||
| Current Portion of Long-Term Debt | 3.93B | 1.52B | ||||
| Long-Term Debt | 4.89B | 4.89B | 4.76B | 4.09B | 1.51B | 4.16B |
| Long-Term Leases | 473.06K | |||||
| Current Income Taxes Payable | 185.75M | 196.79M | 195.19M | 129.45M | 154.56M | |
| Other Current Liabilities | 2.34B | 2.20B | 1.87B | 42.83M | 83.41M | |
| Long-Term Deferred Tax Liabilities | 1.57M | 3.62M | 3.73M | |||
| Pension & Post-Retirement Benefits | 24.41M | 25.89M | 26.00M | 25.40M | 26.99M | |
| Other Long-Term Liabilities | 16.84B | 11.61B | 12.20B | 13.43B | 3.71B | 3.05B |
| Total Liabilities | 58.84B | 57.53B | 56.40B | 53.92B | 29.71B | 26.15B |
| Common Stock | 2.85B | 2.85B | 2.85B | 2.85B | 2.85B | 2.85B |
| Additional Paid-In Capital | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B | 1.02B |
| Retained Earnings | -49.53B | -48.16B | -46.55B | -42.61B | -762.62M | -766.05M |
| Total Common Equity | -45.66B | -44.29B | -42.67B | -38.73B | 3.11B | 3.11B |
| Minority Interest | 38.11M | 29.39M | ||||
| Shareholders' Equity | -45.66B | -44.29B | -42.67B | -38.73B | 3.15B | 3.14B |
| Total Liabilities & Equity | 13.19B | 13.25B | 13.72B | 15.18B | 32.86B | 29.28B |
| Total Debt | 4.89B | 4.89B | 4.76B | 4.09B | 6.07B | 6.27B |
| Net Cash (Debt) | -3.34B | -3.81B | -3.47B | -2.41B | -3.97B | -5.79B |
| Net Cash Per Share | -11.70 | -13.36 | -12.15 | -8.44 | -13.92 | -20.27 |
| Filing Date Shares Outstanding | 285.67M | 285.44M | 285.44M | 285.41M | 285.44M | 285.44M |
| Total Common Shares Outstanding | 285.67M | 285.44M | 285.44M | 285.41M | 285.44M | 285.44M |
| Working Capital | -24.97B | -28.77B | -26.68B | -21.87B | -12.03B | -8.60B |
| Book Value Per Share | -159.82 | -155.15 | -149.50 | -135.71 | 10.90 | 10.88 |
| Tangible Book Value | -45.66B | -44.30B | -42.69B | -38.75B | 3.11B | 3.11B |
| Tangible Book Value Per Share | -159.82 | -155.19 | -149.54 | -135.76 | 10.89 | 10.88 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|
| Net Income | -3.66B | -3.66B | -4.27B | -3.18B | 52.00M | -493.64M |
| Depreciation & Amortization | 5.63M | 5.63M | 6.43M | 7.10M | 13.17M | 14.09M |
| Other Amortization | 2.84M | 2.84M | 2.62M | 3.28M | ||
| Provision for Credit Losses | -58.90M | -58.90M | 25.73M | 289.20M | ||
| Change in Other Net Operating Assets | -255.38M | -316.62M | -132.70M | 2.96B | 1.63B | -876.70M |
| Other Operating Activities | 4.03B | 3.83B | 4.30B | 28.72M | -52.56M | 129.16M |
| Operating Cash Flow | 70.72M | -197.43M | -63.91M | 106.69M | 1.64B | -1.23B |
| Capital Expenditures | -8.36M | -4.39M | -3.48M | -4.03M | -12.06M | -10.74M |
| Sale of Property, Plant & Equipment | 7.00K | 376.85K | ||||
| Investment in Securities | 263.73M | -14.32M | -320.27M | -146.62M | 173.00M | 814.25M |
| Investing Cash Flow | 255.38M | -18.71M | -323.74M | -150.28M | 160.93M | 803.52M |
| Long-Term Debt Issued | 220.60M | |||||
| Long-Term Debt Repaid | -191.44M | |||||
| Net Debt Issued (Repaid) | -191.44M | 220.60M | ||||
| Financing Cash Flow | -191.44M | 220.60M | ||||
| Net Cash Flow | 326.10M | -216.14M | -387.65M | -43.58M | 1.61B | -202.98M |
| Free Cash Flow | 62.36M | -201.82M | -67.39M | 102.66M | 1.63B | -1.24B |
| Free Cash Flow Margin | 433.16% | |||||
| Free Cash Flow Per Share | 0.22 | -0.71 | -0.24 | 0.36 | 5.72 | -4.34 |
| Cash Interest Paid | 941.98M | 1.48B | ||||
| Cash Income Tax Paid | 51.64M | 150.54M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 513.79M | 151.28M | 627.97M | 3.91B | 2.71B | |
| PE Ratio | 135.77 | |||||
| PS Ratio | -0.04 | -0.15 | 10.38 | -8.22 | ||
| PB Ratio | -0.00 | -0.01 | 1.24 | 0.86 | ||
| P/FCF Ratio | 8.24 | 2.40 | ||||
| P/OCF Ratio | 7.27 | 2.38 | ||||
| Debt / Equity Ratio | -0.11 | -0.11 | -0.11 | -0.11 | 1.93 | 2.00 |
| Debt / FCF Ratio | 78.44 | 39.87 | 3.72 | |||
| Net Debt / Equity Ratio | -0.07 | -0.09 | -0.08 | -0.06 | 1.26 | 1.84 |
| Net Debt / FCF Ratio | 53.57 | -18.89 | -51.44 | 23.47 | 2.44 | -4.67 |
| Quick Ratio | 0.33 | 0.29 | 0.32 | 0.39 | 0.49 | 0.53 |
| Current Ratio | 0.33 | 0.30 | 0.32 | 0.40 | 0.51 | 0.55 |
| Asset Turnover | 0.01 | |||||
| Return on Equity (ROE) | 1.65% | -14.59% | ||||
| Return on Assets (ROA) | -27.75% | -27.12% | -29.53% | 0.17% | -1.69% | |
| Return on Invested Capital (ROIC) | 0.48% | -4.51% | ||||
| Earnings Yield | -715.53% | -2,416.88% | -679.58% | 1.33% | -18.20% | |
| FCF Yield | 12.14% | -133.41% | -10.73% | 41.73% | -45.65% | |
| Buyback Yield / Dilution | 0.01% | -3.15% |