PLFSL Peoples Leasing & Financial Services Ltd.
Financial Institutions
Tk 1.7 as of 2026-11-12 14:00:00
Data completeness 60%
Score breakdown
Weights: consistency 30%, profitability 30%, solvency 20%, valuation 20%; then risk flags add or subtract points. Full method
Why this score
Concerns
- Consistency Net loss in 5 of the last 5 years
- Consistency Dividend paid in only 0 of 5 years
- Profitability Last year was a net LOSS of Tk 365.63 cr
- Valuation No P/E: the company is loss-making
Notes
- Consistency EPS rose in 2 of 4 years (mixed)
- Profitability Average ROE 9.17% (moderate)
- Solvency Bank/insurer: NPL and capital-adequacy are not in the data, so solvency is estimated from earnings stability
Risk flags
- Category Z (poor/defaulting: gambling favourite, avoid for long-term)
- Small cap (< Tk 200 cr): most exposed to manipulation and volatility
Valuation
52-week range
372.2% above the low, 59.5% below the high. Near the low is only interesting if profit is intact (see concerns above) and the fall has a temporary cause.
Quality and growth
Dividends and safety
Size, liquidity and ownership
Shareholding
- Sponsor/director 18.2%
- Institution 13.4%
- Foreign 0.3%
- Public 68.2%
Audited history
| Year | EPS (Tk) | NAV/share | Net profit (cr) | Cash div % | Bonus % |
|---|---|---|---|---|---|
| 2021 | -14.4 | -115.34 | -411 | — | — |
| 2022 | -11.08 | -124.56 | -316 | — | — |
| 2023 | -11.14 | -135.7 | -318 | — | — |
| 2024 | -14.95 | -149.5 | -427 | — | — |
| 2025 | -12.81 | -155.15 | -366 | — | — |
Fiscal year ends December. EPS, NAV and profit are as audited by the company and published by DSE. Financials last fetched: 14/11/2026.
Shariah screen (partial)
Business screen and the debt ratio (loans / market cap 1,008.2%, limit 33%) are automated. Interest income (under 5% of revenue) and cash/investment ratios must be checked in the annual report.
Educational, not investment advice. Verify on DSE and StockNow before making any decision.