DSE : PREMIERLEA
Premier Leasing & Finance Limited — Financial statements
Personal Credit Institutions · Bangladesh
Last price 2 BDT (At close: Oct 29, 2026) · Market cap 265.94M
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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 | -79.33M | 12.84M | 375.80M | 530.29M | 1.01B | 819.67M |
| Total Interest Expense | 1.10B | 1.18B | 1.43B | 1.81B | 1.91B | 1.99B |
| Net Interest Income | -1.18B | -1.16B | -1.05B | -1.28B | -897.36M | -1.17B |
| Commissions and Fees | 11.23M | 9.60M | 15.80M | 16.08M | 31.10M | 41.72M |
| Other Revenue | 21.67K | 21.67K | 111.47K | 223.82K | 278.81K | 387.15K |
| Revenue Before Loan Losses | -1.16B | -1.16B | -1.04B | -1.26B | -865.98M | -1.13B |
| Provision for Loan Losses | 1.32B | 1.32B | 2.31B | 2.40B | 1.08B | 1.08B |
| Revenue | -2.48B | -2.47B | -3.35B | -3.66B | -1.94B | -2.21B |
| Salaries & Employee Benefits | 69.18M | 68.88M | 71.81M | 72.82M | 74.21M | 69.20M |
| Cost of Services Provided | 20.81M | 20.63M | 23.68M | 24.42M | 22.19M | 20.79M |
| Other Operating Expenses | 7.38M | 5.11M | 8.05M | 7.76M | 8.46M | 5.37M |
| Total Operating Expenses | 116.49M | 113.24M | 123.37M | 130.00M | 133.10M | 199.79M |
| Operating Income | -2.60B | -2.59B | -3.47B | -3.79B | -2.07B | -2.41B |
| EBT Excluding Unusual Items | -2.92B | -2.90B | -3.63B | -3.79B | -2.07B | -2.41B |
| Gain (Loss) on Sale of Investments | 97.29M | 17.32M | -8.72M | 3.20M | -41.26M | 21.68M |
| Pretax Income | -2.82B | -2.89B | -3.64B | -3.79B | -2.12B | -2.38B |
| Income Tax Expense | 26.78M | 32.46M | 31.54M | 9.67M | 18.25M | 18.07M |
| Earnings From Continuing Ops. | -2.85B | -2.92B | -3.67B | -3.80B | -2.13B | -2.40B |
| Minority Interest in Earnings | -4.32M | -3.93M | 10.73M | 1.20M | 10.28M | -14.11M |
| Net Income | -2.85B | -2.92B | -3.66B | -3.80B | -2.12B | -2.42B |
| Net Income to Common | -2.85B | -2.92B | -3.66B | -3.80B | -2.12B | -2.42B |
| Shares Outstanding (Basic) | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M |
| Shares Outstanding (Diluted) | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M |
| EPS (Basic) | -21.43 | -21.98 | -27.50 | -28.55 | -15.97 | -18.18 |
| EPS (Diluted) | -21.43 | -21.98 | -27.50 | -28.55 | -15.97 | -18.18 |
| Free Cash Flow | 1.69B | 1.99B | 3.05B | 3.51B | 2.02B | 608.36M |
| Free Cash Flow Per Share | 12.73 | 14.95 | 22.91 | 26.40 | 15.17 | 4.58 |
Balance sheet
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 2.30B | 2.24B | 2.25B | 2.21B | 2.18B | 2.11B |
| Long-Term Investments | 1.10B | 1.19B | 1.22B | 1.23B | 1.24B | 1.24B |
| Loans & Lease Receivables | 12.88B | 12.87B | 12.99B | 12.92B | 12.84B | 13.02B |
| Other Receivables | 19.23M | 54.29M | 25.64M | 49.40M | 65.21M | 44.83M |
| Property, Plant & Equipment | 590.63M | 591.55M | 603.53M | 621.01M | 645.48M | 672.34M |
| Goodwill | 137.04M | 137.04M | 137.04M | 137.04M | 137.04M | 137.04M |
| Other Intangible Assets | 455.93K | 233.75K | 752.31K | |||
| Other Long-Term Assets | 942.59M | 920.40M | 944.96M | 974.33M | 953.51M | 744.07M |
| Total Assets | 17.97B | 18.01B | 18.18B | 18.14B | 18.06B | 17.97B |
| Interest Bearing Deposits | 9.66B | 9.45B | 9.15B | 8.84B | 8.53B | 8.30B |
| Non-Interest Bearing Deposits | 68.98M | 69.20M | 72.49M | 73.08M | 77.27M | 81.28M |
| Total Deposits | 9.72B | 9.52B | 9.22B | 8.91B | 8.61B | 8.38B |
| Accrued Expenses | 1.15B | 517.16M | 452.04M | 256.62M | -415.46M | -932.79M |
| Current Portion of Long-Term Debt | 3.60B | 3.44B | 3.04B | 5.02B | 5.03B | |
| Long-Term Debt | 6.42B | 4.61B | 4.52B | 4.34B | 2.10B | 2.07B |
| Long-Term Leases | 1.90M | 833.97K | 57.39M | 4.39M | ||
| Current Income Taxes Payable | 886.06M | 886.06M | 885.82M | 883.51M | 882.52M | 880.41M |
| Other Current Liabilities | 936.72K | 2.42M | ||||
| Long-Term Deferred Tax Liabilities | 19.98M | 36.87M | 15.84M | 249.03K | 3.97M | 2.54M |
| Pension & Post-Retirement Benefits | 17.71M | 324.53K | 17.71M | 16.17M | 14.01M | 15.24M |
| Other Long-Term Liabilities | 11.13B | 11.66B | 9.51B | 6.91B | 4.21B | 2.80B |
| Total Liabilities | 31.26B | 30.83B | 28.07B | 24.36B | 20.48B | 18.25B |
| Common Stock | 1.33B | 1.33B | 1.33B | 1.33B | 1.33B | 1.33B |
| Retained Earnings | -15.43B | -14.95B | -12.03B | -8.38B | -4.59B | -2.48B |
| Comprehensive Income & Other | 377.93M | 374.74M | 383.44M | 392.13M | 400.83M | 409.47M |
| Total Common Equity | -13.72B | -13.24B | -10.31B | -6.66B | -2.86B | -735.84M |
| Minority Interest | 426.08M | 425.88M | 426.71M | 437.44M | 438.63M | 453.33M |
| Shareholders' Equity | -13.29B | -12.82B | -9.89B | -6.22B | -2.42B | -282.51M |
| Total Liabilities & Equity | 17.97B | 18.01B | 18.18B | 18.14B | 18.06B | 17.97B |
| Total Debt | 8.33B | 8.21B | 7.97B | 7.38B | 7.18B | 7.11B |
| Net Cash (Debt) | -6.04B | -5.97B | -5.71B | -5.17B | -5.00B | -5.00B |
| Net Cash Per Share | -45.41 | -44.87 | -42.95 | -38.88 | -37.62 | -37.63 |
| Filing Date Shares Outstanding | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M |
| Total Common Shares Outstanding | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M | 132.97M |
| Working Capital | 1.52B | 645.55M | 1.27B | 2.09B | 986.71M | 1.81B |
| Book Value Per Share | -103.17 | -99.58 | -77.57 | -50.08 | -21.53 | -5.53 |
| Tangible Book Value | -13.86B | -13.38B | -10.45B | -6.80B | -3.00B | -872.89M |
| Tangible Book Value Per Share | -104.20 | -100.61 | -78.60 | -51.11 | -22.56 | -6.56 |
Cash flow statement
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -2.85B | -2.92B | -3.66B | -3.80B | -2.12B | -2.42B |
| Depreciation & Amortization | 17.30M | 17.24M | 167.78M | 23.37M | 25.98M | 103.29M |
| Other Amortization | 282.95K | 81.12K | 821.86K | 776.11K | 731.59K | 747.44K |
| Change in Other Net Operating Assets | 1.76B | 2.12B | 3.09B | 3.24B | 2.21B | 600.73M |
| Other Operating Activities | 2.76B | 2.78B | 3.45B | 4.04B | 1.91B | 2.32B |
| Operating Cash Flow | 1.69B | 1.99B | 3.05B | 3.51B | 2.02B | 609.48M |
| Capital Expenditures | -1.53M | -2.78M | -941.52K | -1.87M | -636.66K | -1.12M |
| Sale of Property, Plant & Equipment | 2.45M | |||||
| Investment in Securities | 36.93M | 7.27M | -3.46M | 5.61M | 1.61M | -34.01M |
| Investing Cash Flow | 37.85M | 4.49M | -4.40M | 3.74M | 977.64K | -35.13M |
| Total Debt Issued | 46.97M | |||||
| Long-Term Debt Repaid | -2.00B | -3.00B | -3.49B | -1.88B | -576.62M | |
| Total Debt Repaid | -1.77B | -2.00B | -3.00B | -3.49B | -1.88B | -576.62M |
| Net Debt Issued (Repaid) | -1.72B | -2.00B | -3.00B | -3.49B | -1.88B | -576.62M |
| Common Dividends Paid | -7.20M | -7.20M | ||||
| Financing Cash Flow | -1.73B | -2.01B | -3.00B | -3.49B | -1.88B | -576.62M |
| Net Cash Flow | 4.80M | -11.88M | 46.75M | 28.61M | 141.76M | -2.27M |
| Free Cash Flow | 1.69B | 1.99B | 3.05B | 3.51B | 2.02B | 608.36M |
| Free Cash Flow Per Share | 12.73 | 14.95 | 22.91 | 26.40 | 15.17 | 4.58 |
| Cash Interest Paid | 41.96M | 34.84M | 59.69M | 316.05M | 199.27M | |
| Cash Income Tax Paid | 10.72M | 8.90M | 20.91M | 16.73M | 223.71M | 82.82M |
Ratios
Fiscal year January - December; amounts in BDT.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 265.94M | 71.80M | 398.91M | 904.20M | 917.49M | 1.06B |
| PS Ratio | -0.03 | -0.12 | -0.25 | -0.47 | -0.48 | |
| PB Ratio | -0.01 | -0.04 | -0.14 | -0.38 | -3.77 | |
| P/FCF Ratio | 0.16 | 0.04 | 0.13 | 0.26 | 0.46 | 1.75 |
| P/OCF Ratio | 0.16 | 0.04 | 0.13 | 0.26 | 0.46 | 1.75 |
| Debt / Equity Ratio | -0.63 | -0.64 | -0.81 | -1.19 | -2.96 | -25.16 |
| Debt / FCF Ratio | 4.92 | 4.13 | 2.62 | 2.10 | 3.56 | 11.69 |
| Net Debt / Equity Ratio | -0.45 | -0.47 | -0.58 | -0.83 | -2.06 | -17.71 |
| Net Debt / FCF Ratio | 3.57 | 3.00 | 1.88 | 1.47 | 2.48 | 8.22 |
| Quick Ratio | 1.11 | 1.04 | 1.09 | 1.16 | 1.07 | 1.14 |
| Current Ratio | 1.11 | 1.04 | 1.09 | 1.16 | 1.07 | 1.14 |
| Return on Equity (ROE) | -259.93% | |||||
| Return on Assets (ROA) | -15.73% | -16.13% | -20.19% | -20.98% | -11.84% | -13.39% |
| Earnings Yield | -1,071.59% | -4,071.06% | -916.57% | -419.80% | -231.40% | -227.21% |
| FCF Yield | 636.44% | 2,767.97% | 763.60% | 388.22% | 219.86% | 57.19% |