Samata Gharelu Laghubitta’s Core Revenue Surges by 73.75%, Net Profit Soars Over 240% in Q4 FY 2081/82
Thu, Aug 7, 2025 10:31 AM on Latest, Financial Analysis, Company Analysis,
Samata Gharelu Laghubitta Bittiya Sanstha (SMATA) has published its unaudited financial report for the fourth quarter of fiscal year 2081/82, highlighting significant growth across key financial indicators.
The company’s net profit increased by 240.91% to Rs. 8.49 crore, a sharp rise from Rs. 2.49 crore recorded in the corresponding quarter of the previous fiscal year. This impressive growth is attributed to a rise in interest income, better asset quality, and improved cost efficiency.
Net interest income climbed by 73.75%, reaching Rs. 33.77 crore compared to Rs. 19.44 crore previously. The company’s loan portfolio expanded by 28.74%, with loans and advances standing at Rs. 5.49 Arba, up from Rs. 4.26 Arba.
The microfinance institution’s borrowings increased by 45.18% to Rs. 3.37 Arba, while customer deposits rose by 17% to Rs. 1.60 Arba, reflecting strong liquidity support and customer confidence.
Earnings per share (EPS) grew to Rs. 13.51, up from Rs. 4.42, while net worth per share improved to Rs. 135.37 from Rs. 130.69.
Impairment charges fell sharply by 70.23% to Rs. 50.63 lakh, contributing to the profit growth. In addition, the non-performing loan (NPL) ratio improved significantly, dropping to 6.87% from 10.48%, indicating better loan recovery and credit management.
The cost of funds declined to 7.05% from 9.26%, reflecting enhanced operational efficiency. However, the capital adequacy ratio saw a slight decline to 14.05% from 15.18%.
The company’s paid-up capital increased by 11.53% to Rs. 62.90 crore. Retained earnings more than doubled to Rs. 6.86 crore, while reserves and surplus reached Rs. 15.38 crore, showing an 8.91% growth.
As of the quarter-end, Samata’s price-to-earnings (P/E) ratio stood at 70 times, and the market price of its shares was Rs. 945.78.
| Particulars (In Rs '000) | Samata Gharelu Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 629,051.56 | 564,006.30 | 11.53% |
| Retained Earnings | 68,600.36 | 31,820.18 | 115.59% |
| Reserves & Surplus | 153,866.19 | 141,272.27 | 8.91% |
| Borrowings | 3,374,504.90 | 2,324,356.30 | 45.18% |
| Deposits from Customers | 1,601,860.96 | 1,369,128.61 | 17.00% |
| Loans and Advances to Customers | 5,496,406.08 | 4,269,286.70 | 28.74% |
| Interest Expenses ' | 339,023.38 | 272,531.37 | 24.40% |
| Net Interest Income | 337,796.50 | 194,414.37 | 73.75% |
| Impairment Charges | 5,063.40 | 17,008.04 | -70.23% |
| Operating Profit | 148,564.37 | 43,961.49 | 237.94% |
| Net Profit | 84,998.10 | 24,933.04 | 240.91% |
| Capital Adequacy (%) | 14.05 | 15.18 | -7.44% |
| NPL (%) | 6.87 | 10.48 | -34.45% |
| Cost of Fund (%) | 7.05 | 9.26 | -23.87% |
| EPS (In Rs.) | 13.51 | 4.42 | 205.66% |
| Net Worth per Share (In Rs.) | 135.37 | 130.69 | 3.58% |
| Qtr end PE Ratio (times) | 70.00 | - | - |
| Qtr End Market Price | 945.78 | - | - |
