Sunday Feb 22, 2026
Sunday Feb 22, 2026
Tuesday, 10 February 2026 04:50 - - {{hitsCtrl.values.hits}}
Dialog Finance PLC, Sri Lanka’s leading fintech, reported a strong financial performance for the year ended 31 December 2025, with operating income more than doubling to Rs. 2.3 billion, a 107% year-on-year growth driven by scalable, technology-led business models.
Operating profit grew by 277% to reach Rs. 834 million, reflecting strong core momentum, disciplined execution, and improved margins. Growth was primarily supported by structured fee income from embedded lending and digital payments, alongside steady improvements in net interest margins.
Total assets expanded by 62% to Rs. 11.9 billion, while the net loan book grew by 77% to Rs. 9.1 billion. Net interest income rose by 72% to Rs. 1.3 billion. Deposits grew by 46% to Rs. 5.8 billion, resulting in a Profit After Tax of Rs. 159.7 million, compared to a loss of Rs. 41.1 million in the corresponding period.
Commenting on the Company’s performance, Ms. Renuka Fernando, Chairperson of Dialog Finance PLC and Chief Digital Services Officer of Dialog Axiata PLC, stated, “FY2025 marks a pivotal year for Dialog Finance, delivering a strong turnaround while deepening our commitment to financial inclusivity. Through digital-first platforms and embedded finance, we are expanding access to formal financial services for individuals and MSMEs across Sri Lanka. As part of the Dialog Group, we remain focused on building a resilient, technology-enabled financial ecosystem that drives sustainable, responsible growth.”
During the year, Dialog Finance further strengthened its digital ecosystem by introducing doorstep fulfilment for instalment-based consumer solutions, expanding payment acceptance with guaranteed MSME lending, and partnering with UnionPay to scale innovative, globally aligned payment solutions.
Commenting on the performance, Nazeem Mohamed, Director and CEO of Dialog Finance PLC, stated that the results reflect disciplined execution, advanced data-driven credit decisioning, and a strong focus on customer-centric digital solutions. He added that the Company will continue to pursue focused, technology-enabled growth while maintaining prudent risk management.
Dialog Finance PLC, a subsidiary of Dialog Axiata PLC, is a licensed finance company regulated by the Central Bank of Sri Lanka. The Company offers a range of digital-first financial solutions to individuals, businesses, and corporations, and is backed by a strong Fitch Rating of AA (lka), reflecting its financial stability, robust governance, and high creditworthiness.
