ICFC Finance's Net Profit Declined By 20.67% in Q4; EPS Jumps to Rs.22.23
Mon, Aug 3, 2026 11:38 AM on Financial Analysis, Highlight News,
ICFC Finance Limited (ICFC) has published its fourth-quarter report of FY 2082/83, with a decline in net profit by 20.67%. As per the report, net profit decreased to Rs. 26.42 crore from Rs. 33.30 crore in the corresponding quarter of the previous year.
The company’s paid-up capital stood at Rs. 1.18 arba, while reserves and surplus stood at Rs. 91.53 crores, up by 18.44% compared to the previous fiscal year. However, retained earnings declined by 35.18%, amounting to Rs. 14.17 crores compared to 21.86 crores in the previous year.
Similarly, loans and advances increased by 10.89% to Rs. 18.69 arba, while deposits also increased by 11.22%, totaling Rs. 22.23 arba. Also, net interest income saw a moderate gain by 8.59% and totaled Rs. 64.54 crores. The company recorded an impairment charges of Rs. 2.32 crore compared to a reversal of Rs. 5.65 crores in the same period last year.
The company’s Capital Adequacy Ratio (CAR) improved to 14.38%, up from 14.05%. The cost of funds also improved significantly, declining by 29.78% to 4.22%.
The company’s Earnings Per Share (EPS) for the period stood at Rs. 22.23. The net worth per share remained steady at Rs. 189.32. The company’s Price-to-Earnings (P/E) ratio at the end of the quarter was 26.38 times, based on a market price of Rs. 589 per share.
Major Highlights:
| Particulars (In Rs '000) | ICFC Finance Limited | ||
|---|---|---|---|
| Q4 2082/83 | Q4 2081/82 | Difference | |
| Paid Up Capital | 1,183,470.96 | 1,183,470.96 | 0.00% |
| Retained Earnings | 141,732.43 | 218,670.20 | -35.18% |
| Reserves | 915,375.26 | 772,866.66 | 18.44% |
| Deposits | 22,232,744.96 | 19,990,292.73 | 11.22% |
| Loans & Advances to Customers | 18,695,686.95 | 16,859,157.29 | 10.89% |
| Net Interest Income | 645,421.02 | 594,363.03 | 8.59% |
| Personnel Expenses | 285,906.23 | 262,871.08 | 8.76% |
| Impairment Charges | 23,201.60 | -56,592.21 | -141.00% |
| Operating Profit | 375,115.50 | 474,792.87 | -20.99% |
| Net Profit | 264,224.94 | 333,079.98 | -20.67% |
| Distributable Profit/ (Loss) after P/L Appropriation and Regulatory Adjustments | 142,732.43 | ||
| Capital Adequacy (%) | 14.38 | 14.05 | 2.35% |
| NPL (%) | 1.55 | 1.84 | |
| Cost of Fund (%) | 4.22 | 6.01 | -29.78% |
| EPS (In Rs.) | 22.33 | 28.14 | -20.67% |
| Net Worth per Share (In Rs.) | 189.32 | 183.78 | 3.01% |
| Qtr end PE Ratio (times) | 26.38 | ||
| Qtr End Market Price | 589 | - | - |
