Gurans Laghubitta Records Nearly 90% Surge in Net Profit in Q4 FY 2081/82; EPS Reaches Rs. 34.17
Mon, Jul 21, 2025 9:23 AM on Financial Analysis, Highlight News, Company Analysis,
Gurans Laghubitta Bittiya Sanstha (GLBSL) has posted a notable financial performance for the fourth quarter of Fiscal Year 2081/82, reporting a net profit of Rs. 3.95 crores. This reflects an impressive growth of 89.96% compared to Rs. 2.08 crores earned in the corresponding quarter of the previous fiscal year.
The company’s reserve and surplus more than doubled, reaching Rs. 6.58 crores, up by 144.62% from Rs. 2.69 crores in Q4 of FY 2080/81. Gurans maintained its paid-up capital at Rs. 11.58 crores.
On the lending side, loans and advances to customers rose by 15.82% to Rs. 1.94 arba from Rs. 1.68 arba in the previous fiscal year. Customer deposits stood at Rs. 45.56 crores, marking a 30.38% rise year-on-year, while total borrowings increased by 10.04% to Rs. 1.30 arba.
The microfinance institution reported a net interest income of Rs. 13.23 crores, a 59.74% increase from Rs. 8.28 crores in the previous year. Operating profit nearly doubled, rising by 87.85% to Rs. 6.03 crores. Staff expenses also grew by 18.94%, amounting to Rs. 6.63 crores.
Key financial ratios have shown improvement. The non-performing loan (NPL) ratio declined to 2.91% from 3.67%, while the cost of fund dropped to 6.90% from 8.79%. Capital adequacy improved slightly to 8.72% from 8.03%.
Annualized Earnings per share (EPS) surged to Rs. 34.17 from Rs. 17.99, reflecting a strong profitability boost. Similarly, net worth per share increased by 27.25%, standing at Rs. 156.79. The quarterly end price-to-earnings (PE) ratio was recorded at 64.78 times, with the closing market price at Rs. 2,213.44.
Major Financial Highlights:
| Particulars (In Rs '000) | Gurans Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 115,849.50 | 115,849.50 | 0.00% |
| Reserves & Surplus | 65,787.48 | 26,893.76 | 144.62% |
| Borrowings | 1,302,508.23 | 1,183,617.93 | 10.04% |
| Deposits from Customers | 455,569.61 | 349,406.32 | 30.38% |
| Loans and Advances to Customers | 1,947,825.12 | 1,681,732.82 | 15.82% |
| Net Interest Income | 132,399.95 | 82,884.44 | 59.74% |
| Staff Expenses | 66,343.92 | 55,779.94 | 18.94% |
| Operating Profit | 60,313.20 | 32,107.06 | 87.85% |
| Net Profit | 39,583.45 | 20,837.67 | 89.96% |
| Capital Adequacy (%) | 8.72 | 8.03 | 8.59% |
| NPL (%) | 2.91 | 3.67 | -20.71% |
| Cost of Fund (%) | 6.90 | 8.79 | -21.50% |
| EPS (In Rs.) | 34.17 | 17.99 | 89.96% |
| Net Worth per Share (In Rs.) | 156.79 | 123.21 | 27.25% |
| Qtr end PE Ratio (times) | 64.78 | - | - |
| Qtr End Market Price | 2213.44 | - | - |
