Mahuli Laghubitta Posts Rs. 11.45 Crores Net Profit in Q4; EPS Jumps Over 210%
Thu, Jul 31, 2025 8:56 AM on Financial Analysis, Company Analysis, Latest,
Mahuli Laghubitta Bittiya Sanstha Limited (MSLB) has reported a net profit of Rs. 11.45 crores in the fourth quarter of Fiscal Year 2081/82, marking an impressive 255.80% increase from Rs. 3.21 crores in the corresponding quarter of the previous year.
The company’s operating profit soared by 232.33% to Rs. 16.36 crores, up from Rs. 4.92 crores in Q4 of the previous fiscal year. This was largely driven by a 43.03% growth in net interest income, which reached Rs. 36.72 crores.
Deposits rose by 11.23% to Rs. 1.83 arba, while loans and advances to customers grew by 14.52% to Rs. 5.24 arba. Borrowings also increased by 20.25% to Rs. 2.91 arba. The institution's paid-up capital stood at Rs. 36.99 crores, up 14.75% year-on-year.
Mahuli's retained earnings surged to Rs. 12.42 crores, an impressive rise of 369.26%, while total reserves increased to Rs. 29.89 crores. The company’s capital adequacy ratio improved to 11.46%, compared to 9.72% a year ago.
However, the Non-Performing Loan (NPL) ratio increased to 4.80% from 3.94%, indicating a deterioration in asset quality. On the positive side, the cost of fund decreased significantly to 7.51% from 9.72%.
The Annualized Earnings Per Share (EPS) jumped 210.07% to Rs. 30.96, and the net worth per share climbed to Rs. 214.39. At the end of the quarter, Mahuli's market price stood at Rs. 1,296.01, with a Price-to-Earnings (PE) ratio of 41.86 times.
Major Financial Highlights:
* Figures are of Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Mahuli Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 369,923.50 | 322,378.59* | 14.75% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 124,196.86 | 26,466.70* | 369.26% |
| Reserves | 298,940.75 | 285,843.63* | 4.58% |
| Loans & Advances to Customers | 5,247,941.26 | 4,582,448.79* | 14.52% |
| Borrowings | 2,910,098.13 | 2,420,086.04 | 20.25% |
| Deposits | 1,830,212.90 | 1,645,473.38* | 11.23% |
| Net Interest Income | 367,287.81 | 256,798.35 | 43.03% |
| Personnel Expenses | 180,520.02 | 176,703.04 | 2.16% |
| Impairment Charges/Reversal for loans and Advances | 17,704.75 | 37,705.13 | -53.04% |
| Operating Profit | 163,614.16 | 49,233.17 | 232.33% |
| Net Profit | 114,529.91 | 32,189.30 | 255.80% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 124,196.86 | 26,466.70 | 369.26% |
| Capital Adequacy (%) | 11.46 | 9.72 | 17.90% |
| NPL (%) | 4.80 | 3.94 | 21.83% |
| Cost of Fund (%) | 7.51 | 9.72 | -22.74% |
| Annualized EPS (In Rs.) | 30.96 | 9.98 | 210.07% |
| Net Worth per Share (In Rs.) | 214.39 | 196.88 | 8.89% |
| Qtr end PE Ratio (times) | 41.86 | - | - |
| Qtr End Market Price | 1296.01 | - | - |
