Aarambha Chautari Laghubitta Achieves Rs. 94.41 Crores Net Profit in Q4; EPS Soars to Rs. 34.29
Wed, Jul 30, 2025 10:53 AM on Latest, Financial Analysis, Company Analysis,
Aarambha Chautari Laghubitta Bittiya Sanstha Limited (ACLBSL) has reported an impressive net profit of Rs. 94.41 crores in the fourth quarter of Fiscal Year 2081/82, a massive surge from just Rs. 0.68 crores recorded in the same quarter of the previous fiscal year—marking a staggering growth of 13,765.29%.
The company posted an operating profit of Rs. 13.48 crores, up 936.11% from Rs. 1.30 crores in the previous year. This sharp rise in profitability was supported by a 31.89% increase in net interest income, which stood at Rs. 37.02 crores. Deposits grew by 19.77% to Rs. 1.89 arba, while loans and advances expanded by 25.28% to Rs. 5.31 arba.
Notably, the company’s retained earnings have turned positive at Rs. 5.21 crores, improving from a negative Rs. 4.91 crores last year. The cost of fund has also declined to 7.39% from 8.84%, reflecting improved efficiency. Moreover, the Non-Performing Loan (NPL) ratio has nearly halved to 2.13% from 4.21%. Capital adequacy has improved to 8.68%, while the earnings per share (EPS) have surged to Rs. 34.29, with net worth per share rising to Rs. 156.18. Aarambha Chautari’s quarter-end market price stood at Rs. 1,087.41, with a PE ratio of 31.71 times.
Major Financial Highlights:
* Figures are of Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Aarambha Chautari Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 367,143.41 | 367,143.41* | 0.00% |
| Retained Earnings | 52,120.31 | -49,155.34* | - |
| Reserves & Surplus | 154,130.61 | 167,410.32* | -7.93% |
| Deposits from Customers | 1,894,900.28 | 1,582,064.18* | 19.77% |
| Loans and Advances to Customers | 5,315,265.49 | 4,242,635.38* | 25.28% |
| Net Interest Income | 370,265.61 | 280,738.01 | 31.89% |
| Staff Expenses | 223,060.22 | 230,762.82 | -3.34% |
| Operating Profit | 134,883.72 | 13,018.31 | 936.11% |
| Net Profit | 94,418.61 | 680.97 | 13765.29% |
| Capital Adequacy (%) | 8.68 | 8.03 | 8.09% |
| NPL (%) | 2.13 | 4.21 | -49.41% |
| Cost of Fund (%) | 7.39 | 8.84 | -16.40% |
| EPS (In Rs.) | 34.29 | 0.25 | 13765.29% |
| Net Worth per Share (In Rs.) | 156.18 | 132.21 | 18.13% |
| Qtr end PE Ratio (times) | 31.71 | - | - |
| Qtr End Market Price | 1087.41 | - | - |
