Support Laghubitta’s Net Profit Soars by Over 140% in Q4 FY 2081/82; EPS Nearly Doubles
Thu, Jul 24, 2025 11:02 AM on Financial Analysis, Company Analysis, Latest,
Support Laghubitta Bittiya Sanstha has reported a remarkable net profit of Rs. 5.12 crores in the fourth quarter of Fiscal Year 2081/82, marking a staggering 140.63% growth compared to Rs. 2.12 crores recorded in the corresponding period of the previous fiscal year.
The company’s distributable strength is reflected in its reserves and surplus, which surged by 142.50% to Rs. 8.52 crores. The microfinance institution maintained its paid-up capital at Rs. 12.24 crores.
Support Laghubitta’s operational performance remained robust. Operating profit jumped by 189.34% to Rs. 7.96 crores, while net interest income climbed to Rs. 13.52 crores—up 62.97% year-on-year. Despite the rise in earnings, personnel expenses increased only moderately by 3.18%, totaling Rs. 5.58 crores. The company did not report any impairment charges for the year.
Customer deposits reached Rs. 46.15 crores, marking a 32.20% increase, while borrowings rose by 5.27% to Rs. 1.33 arba. Loans and advances to customers expanded by 15.67%, totaling Rs. 1.92 arba.
In terms of efficiency and asset quality, the company’s non-performing loan (NPL) ratio improved to 1.58% from 1.82%, while the cost of fund dropped significantly by 30.03% to 6.99%.
The capital adequacy ratio improved to 10.09% from 8.73%, showing stronger financial stability. Earnings per share (EPS) rose sharply to Rs. 41.81 from Rs. 17.38, reflecting the strong bottom-line performance. Likewise, net worth per share increased by 31.79% to Rs. 169.62.
Support Laghubitta closed the quarter with a price-to-earnings (PE) ratio of 55.22 times and a market price of Rs. 2,308.96.
Major Financial Highlights:
| Particulars (In Rs '000) | Support Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 122,443.45 | 122,443.45 | 0.00% |
| Reserves and Surplus | 85,244.48 | 35,152.39 | 142.50% |
| Borrowings | 1,334,957.98 | 1,268,098.73 | 5.27% |
| Deposits from Customer | 461,594.83 | 349,170.56 | 32.20% |
| Loans & Advances to Customers | 1,929,179.06 | 1,667,830.70 | 15.67% |
| Net Interest Income | 135,260.41 | 82,999.53 | 62.97% |
| Personnel Expenses | 55,797.51 | 54,078.44 | 3.18% |
| Impairment Charges | 0.00 | 0.00 | - |
| Operating Profit | 79,692.39 | 27,543.07 | 189.34% |
| Net Profit | 51,198.60 | 21,277.04 | 140.63% |
| Capital Adequacy (%) | 10.09 | 8.73 | 15.58% |
| NPL (%) | 1.58 | 1.82 | -13.19% |
| Cost of Fund (%) | 6.99 | 9.99 | -30.03% |
| EPS (In Rs.) | 41.81 | 17.38 | 140.63% |
| Net Worth per Share (In Rs.) | 169.62 | 128.71 | 31.79% |
| Qtr end PE Ratio (times) | 55.22 | - | - |
| Qtr End Market Price | 2308.96 | - | - |
