Asha Laghubitta Reports Over 248% Surge in Net Profit in Q4; EPS Jumps to Rs. 28.55
Mon, Aug 4, 2025 8:14 AM on Financial Analysis, Company Analysis, Latest,
Asha Laghubitta Bittiya Sanstha Limited (ALBSL) has reported a significant increase in its net profit in the fourth quarter of FY 2081/82, reaching Rs. 20.92 crore—a staggering 248.27% rise compared to Rs. 6 crore in the corresponding quarter of the previous fiscal year.
The microfinance company’s net interest income soared by 67.47% to Rs. 73.88 crore from Rs. 44.11 crore in the same quarter of FY 2080/81. Operating profit surged to Rs. 30.17 crore from Rs. 8.49 crore, marking an increase of 255.36%.
The paid-up capital rose by 14.25% year-on-year to Rs. 73.30 crore. Retained earnings stood at Rs. 16.36 crore, up by 62.70%, while reserves increased by 13.86% to Rs. 37.07 crore.
Loans and advances to customers reached Rs. 10.44 arba, reflecting a growth of 9.35%. Customer deposits rose by 14.54% to Rs. 3.21 arba, and borrowings climbed slightly by 0.93% to Rs. 6.45 arba.
The company’s impairment charges for loans and advances nearly doubled, rising by 88.69% to Rs. 10.02 crore. Despite this, the earnings per share (EPS) improved sharply to Rs. 28.55, up from Rs. 9.37. The net worth per share increased to Rs. 172.90.
On the risk side, the Non-Performing Loan (NPL) ratio improved to 4.48% from 4.81%, while the cost of funds decreased to 7.13% from 8.44%. The capital adequacy ratio stood at 9.97%, slightly lower than the previous year’s 10.11%.
The company’s quarter-end price-to-earnings (PE) ratio stood at 31.38 times, with the closing market price recorded at Rs. 895.81.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Asha Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 733,046.28 | 641,616.00* | 14.25% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 163,645.74 | 100,581.47* | 62.70% |
| Reserves | 370,748.74 | 325,604.34* | 13.86% |
| Loans & Advances to Customers | 10,449,350.30 | 9,555,877.72* | 9.35% |
| Deposits from Customer | 3,211,170.13 | 2,803,571.68* | 14.54% |
| Borrowings | 6,454,107.26 | 6,394,859.36* | 0.93% |
| Net Interest Income | 738,844.67 | 441,180.31 | 67.47% |
| Personnel Expenses | 356,551.41 | 343,915.27 | 3.67% |
| Impairment Charges/Reversal for loans and Advances | 100,268.40 | 53,140.63 | 88.69% |
| Operating Profit | 301,692.75 | 84,897.03 | 255.36% |
| Net Profit | 209,277.98 | 60,089.87 | 248.27% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 163,645.74 | 0.00 | - |
| Capital Adequacy (%) | 9.97 | 10.11 | -1.38% |
| NPL (%) | 4.48 | 4.81 | -6.86% |
| Cost of Fund (%) | 7.13 | 8.44 | -15.52% |
| EPS (In Rs.) | 28.55 | 9.37 | 204.84% |
| Net Worth per Share (In Rs.) | 172.90 | 166.42 | 3.89% |
| Qtr end PE Ratio (times) | 31.38 | - | - |
| Qtr End Market Price | 895.81 | - | - |
