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HNBF.CM — — Banks

HNB Finance PLC

$9,40

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Mcap

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P/E

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EV / Rev

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Div yield

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Op margin

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ROE

10,1 %

Net margin

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Debt / equity

0,63

Beta

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52w range

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Volume

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Day range

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Prev close

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Open

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Next earnings

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Ex-dividend

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TR 1Y

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About

HNB Finance PLC provides banking and investment services in Sri Lanka, generating revenue primarily through interest income from loans and fees from financial services.

Business. HNB Finance PLC (HNBF.CM) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

Generated · model-assisted

Sell-side consensus

—consensus pending

— buy— hold— sell

Avg 12m price target—

Upcoming events

— missing data

See all catalysts →

At a glance

Score

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not yet scored

Valuation

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valuation pending

Analysts

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not yet wired

Ownership

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not yet wired

Profitability→

10,1 %

return on equity

Quality

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not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning HNBF.

Sector rotation

Sector1D1Mvs mkt

Materials+2,3 %+6,6 %+1,7 %

Communication Services+2,2 %−5,5 %+1,6 %

Energy+0,6 %+3,3 %+0,0 %

Health Care+0,6 %−0,8 %+0,0 %

Information Technology+0,6 %+6,7 %+0,0 %

Consumer Discretionary+0,4 %+7,6 %−0,2 %

Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %

Consumer Staples−0,4 %+2,5 %−1,0 %

Real Estate−0,7 %+10,9 %−1,3 %

Industrials−1,9 %−3,1 %−2,5 %

Utilities−1,9 %+28,2 %−2,5 %

Developing storylines

No tracked sagas currently linked to HNBF.CM. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Peers
DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
Macro
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Synthesis

Business

HNB Finance PLC (HNBF.CM) is a bank operating within the Banking & Investment Services industry. The company generates revenue primarily through interest income. Specific details regarding its operating segments, headquarters location, and primary stock exchange listing are not provided in the available data.

Classification92 %

SectorFinancials

Business sectorBanking & Investment Services

IndustryBanks

AI synthesis

GENERATED

HNB Finance PLC maintains a debt-to-equity ratio of 0.63, indicating a relatively conservative capital structure. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. Free cash flow of LKR 978.56 million suggests some capacity to fund operations or dividends, though operating cash flow is negative at LKR -804.19 million.

Profitability metrics show a return on equity (ROE) of 10.08% and a return on assets (ROA) of 1.31%. These figures are below the typical thresholds for high-performing banks, indicating that HNB Finance PLC is generating returns, but not at a level that would be considered exceptional within the industry.

The company's revenue is concentrated within Sri Lanka, with no disclosed international operations. This geographic concentration may expose the company to local economic and regulatory risks. No specific segment breakdown is available, but the primary business activity is banking services.

Looking ahead, the company's growth trajectory is not clearly defined in the provided data. There are no specific numeric deltas or revenue growth projections for the current or next fiscal year. Historical revenue data is not provided, making it difficult to assess the company's growth potential.

Risk factors include a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt is a key flag. No dilution sources are identified in the provided data, and no adjustments have been applied to the valuation metrics.

Recent events and filings are not detailed in the provided data. The company's 10-K or equivalent disclosures are not included, so no specific recent events or transcripts can be referenced.

Key takeaways

HNB Finance PLC has a conservative capital structure with a debt-to-equity ratio of 0.63.
The company's ROE of 10.08% is moderate, but ROA of 1.31% is below industry benchmarks.
Revenue is concentrated in Sri Lanka, exposing the company to local economic and regulatory risks.
Liquidity risk is assessed as medium, with a negative net cash position after subtracting total debt.
No specific growth projections or dilution sources are identified in the provided data.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$9,40

Market cap

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Enterprise valueⓘ

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P/Eⓘ

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Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

—

P / Bⓘ

—

P / Tangible bookⓘ

—

Tangible book

$7.59B

Net cashⓘ

-$4.77B

Current ratioⓘ

—

Debt / equityⓘ

0.6

ROAⓘ

1.3%

ROEⓘ

10.1%

Cash conversionⓘ

-1052.0%

CapEx / revenueⓘ

—

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%

Revenue by segment

Business relationships

— missing data

Supply chain

— missing data

Peer comparison

— missing data

Market position

Stress test

— missing data

Predictor forecast

Options

— missing data

Short squeeze

— missing data

Earnings-call key lines

— missing data

Estimate revisions

consensus EPS · 26-week trend

— missing data

Sell-side observations

— missing data

Themes

— missing data

ESG

— missing data

Risk factors

Dilution riskLow

Liquidity riskMedium

Filing-based flags

Net cash is negative after subtracting total debt.

Benchmarks vs cohort

ROE10,1 %Above median

D/E0,63Below median

Cash Conv-10,52Bottom quartile

Corporate actions / M&A

— missing data

FX exposure

— missing data

Comparable transactions

— missing data

Derivatives & instruments

— missing data

Actions

Set alert Open in charts

Ask Handelsavisen

— missing data

Data sources

Market data
Market data cache
Issuer disclosures
Public news
Earnings transcripts
Consensus estimates
ESG data

How metrics are computed

Dilution Ratio
(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
Net Cash
cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Return On Equity
net_income / total_equity
Debt To Equity
(short_term_debt + long_term_debt) / total_equity
Cash Conversion Ratio
operating_cash_flow / net_income
Return On Assets
net_income / total_assets

Source documents

HNB Finance PLC Market data — financials · 2026-05-28

Ownership & reference

Insider activity

— missing data

Short positioning

— missing data

Geographic breakdown

— missing data

Listings · one canonical issuer all listings resolve to the canonical

HNBF.CMCanonical

— · USD

Intel & risk

peak dispatch · —

OSINT findings

Dilution riskLow

Liquidity riskMedium

Net cash is negative after subtracting total debt.

Relationship graph

This companyPeerSector

Evidence & claims

From filings & derived data

— missing data

The Thread

Everything we know, in order

— missing data

Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage

At a glance

What drives this business

News & coverage

Sector rotation

Developing storylines

Analysis

Opportunity

Upcoming catalysts

Pre-earnings brief

Signals & dispatch

Composite-score breakdown

Synthesis

Bull / Bear case

In focus — financials by report

Valuation

Revenue by segment

Market share

Business relationships

Supply chain

Peer comparison

Market position

Stress test

Predictor forecast

Options

Short squeeze

Earnings-call key lines

Estimate revisions

Sell-side observations

Themes

ESG

Risk factors

Benchmarks vs cohort

Corporate actions / M&A

FX exposure

Comparable transactions

Derivatives & instruments

Actions

Ask Handelsavisen

Ownership & reference

Insider activity

Short positioning

Geographic breakdown

Intel & risk

Evidence & claims

The Thread