First Microfinance Laghubitta Posts 73.63% Profit Growth in Q4 FY 82/83 ; EPS Climbs to Rs. 14.18
Sun, Jul 19, 2026 12:08 PM on Financial Analysis, Highlight News, Company Analysis,
First Microfinance Laghubitta Bittiya Sanstha Limited (FMDBL) has published its unaudited financial report for the Fourth quarter of the fiscal year 2082/83, revealing a remarkable 73.63% growth in net profit. The company recorded a net profit of Rs. 19.07 crore in the quarter, compared to Rs. 10.98 crore in the same period last fiscal year.
The company’s net interest income increases by 7.47% to Rs. 22.74 crore from Rs. 21.16 crore in the same quarter last year. Loans and advances stood at Rs. 4.65 Arba, a substantial down by 23.09%, while borrowings also declined by 23.41% to Rs. 3.76 Arba. Its paid-up capital stood at Rs. 1.34 arba. Likewise, reserves rose by 13.35% to Rs. 34.84 crore.
However, First Microfinance Laghubitta's operating profit surges by 73.05% to Rs. 27.27 crore, Personnel expenses were increased by 20.15%, amounting to Rs. 5.99 crores during the review period. Likewise, Retained earnings increased by 68.94% to Rs. 15.26 crore.
The company reported a reversal of Rs. 11.86 crore on loans and advances during the review period. The company’s Earnings Per Share (EPS) for the period stood at Rs. 14.18, an incline from Rs. 8.17 recorded in Q4 2081/82. The net worth per share remained steady at Rs. 137.26. The company’s Price-to-Earnings (P/E) ratio at the end of the quarter was 60.64 times, based on a market price of Rs. 860 per share.
| Particulars (In Rs '000) | First Microfinance Laghubitta | ||
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 1,344,871.32 | 1,344,871.32* | 0.00% |
| Share Premium | 0.00 | 0.00 | |
| Retained Earnings | 152,621.76 | 90,340.02* | 68.94% |
| Reserves | 348,415.33 | 307,385.49* | 13.35% |
| Borrowings | 3,760,426.97 | 4,909,681.17* | -23.41% |
| Loans & Advances to MFIs & Cooperatives | 4,657,932.96 | 6,055,997.24* | -23.09% |
| Net Interest Income | 227,491.72 | 211,681.24 | 7.47% |
| Personnel Expenses | 59,905.28 | 49,857.23 | 20.15% |
| Impairment Charges | -118,621.40 | -9,435.84 | - |
| Operating Profit | 272,751.82 | 157,615.86 | 73.05% |
| Net Profit | 190,728.22 | 109,846.47 | 73.63% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 136,196.48 | 90,340.02 | - |
| Capital Adequacy (%) | 35.43 | 25.59 | 38.45% |
| NPL (%) | 2.88 | 3.84 | |
| Cost of Fund (%) | 4.75 | 6.22 | -23.63% |
| Annualized EPS (In Rs.) | 14.18 | 8.17 | 73.63% |
| Net Worth per Share (In Rs.) | 137.26 | 129.57 | 5.93% |
| Qtr end PE Ratio (times) | 60.64 | - | - |
| Qtr End Market Price | 860 | - | - |
