Ganapati Laghubitta Reports Rs. 4.25 Crore Net Profit in Q4; EPS Jumps to Rs. 28.04 on Strong Interest Income Growth
Tue, Aug 5, 2025 10:53 AM on Financial Analysis, Company Analysis, Latest,
Ganapati Laghubitta Bittiya Sanstha Limited (GMFBS) has reported a net profit of Rs. 4.25 crore in the fourth quarter of fiscal year 2081/82, reflecting an impressive 179.50% growth compared to Rs. 1.52 crore in the same period of the previous fiscal year. The surge in profit was primarily driven by a significant rise in net interest income.
The microfinance institution posted a net interest income of Rs. 17.27 crore, marking a 41.71% increase from Rs. 12.19 crore in Q4 2080/81. This growth was supported by a 21.84% drop in interest expenses and a 15.21% reduction in the cost of funds, which declined to 6.69%.
Ganapati Laghubitta’s earnings per share (EPS) stood at Rs. 28.04, a sharp rise from Rs. 10.03, while the net worth per share increased by 18.71% to Rs. 177.45. The company’s shares were trading at Rs. 1,645.10 at the end of the quarter, resulting in a price-to-earnings (PE) ratio of 58.66 times.
The company maintained a paid-up capital of Rs. 15.15 crore, with retained earnings of Rs. 2.64 crore, a notable recovery from the negative balance of the previous year. Reserves and surplus rose by 18.88% to Rs. 9.10 crore.
Customer deposits increased by 6.17%, totaling Rs. 50.37 crore, while borrowings grew by nearly 20% to Rs. 1.76 Arba. Loans and advances to customers reached Rs. 2.29 Arba, marking an 11.47% growth.
On the asset quality front, Ganapati Laghubitta improved its Non-Performing Loan (NPL) ratio to 4.51%, down from 5.84%, a 22.77% reduction year-on-year. The Capital Adequacy Ratio (CAR) also strengthened to 8.68%.
Additionally, operating expenses declined by 11.38%, and despite maintaining impairment charges at similar levels, the company achieved an operating profit of Rs. 6.07 crore, up by 168.27%.
Major Highlights
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Ganapati Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 151,554.53 | 151,554.53* | 0.00% |
| Retained Earnings | 26,408.63 | -1,535.55* | - |
| Reserves & Surplus | 90,966.06 | 76,517.06* | 18.88% |
| Borrowings | 1,766,955.66 | 1,475,317.97* | 19.77% |
| Deposits from Customers | 503,733.58 | 474,461.56* | 6.17% |
| Loans and Advances to Customers | 2,293,911.72 | 2,057,800.26* | 11.47% |
| Interest Expenses ' | 158,369.45 | 202,626.86* | -21.84% |
| Net Interest Income | 172,772.09 | 121,916.86 | 41.71% |
| Operating Expenses | 31,000.64 | 34,981.70 | -11.38% |
| Impairment Charges | -16,538.02 | -16,415.81 | - |
| Operating Profit | 60,718.71 | 22,633.50 | 168.27% |
| Net Profit | 42,503.09 | 15,206.92 | 179.50% |
| Capital Adequacy (%) | 8.68 | 8.09 | 7.29% |
| NPL (%) | 4.51 | 5.84 | -22.77% |
| Cost of Fund (%) | 6.69 | 7.89 | -15.21% |
| EPS (In Rs.) | 28.04 | 10.03 | 179.50% |
| Net Worth per Share (In Rs.) | 177.45 | 149.47 | 18.71% |
| Qtr end PE Ratio (times) | 58.66 | - | - |
| Qtr End Market Price | 1645.10 | - | - |
