Softlogic Holdings (SHL.N0000) Q2 2026 earnings summary

Executive summary

• Revenue for the six months ended 30 September 2025 rose 25% year-over-year to Rs. 60.27 billion, with strong growth in both contract and insurance revenues.

• EBITDA nearly doubled, up 88% year-over-year to Rs. 6.24 billion, reflecting improved operational efficiency.

• Net loss narrowed by 48% year-over-year to Rs. 3.16 billion, with basic loss per share improving to Rs. (3.66) from Rs. (6.34).

• Total comprehensive loss for the period reduced by 55% year-over-year to Rs. 2.47 billion.

Financial highlights

• Revenue from contracts with customers increased 21% year-over-year; insurance contract revenue up 39%.

• Gross profit rose 26% year-over-year to Rs. 20.71 billion.

• Operating profit surged 244% year-over-year to Rs. 4.38 billion.

• Finance expenses decreased 17% year-over-year, while finance income fell 32%.

• EBITDA for the period was Rs. 6.24 billion, up from Rs. 3.32 billion a year ago.

Outlook and guidance

• Regulatory restrictions on Softlogic Finance PLC were lifted by the Central Bank in September 2025, supporting future growth.

• The company has complied with regulatory minimum Core Capital and Capital Adequacy Ratios.