Swarojgar Laghubitta Posts 115% Surge in Net Profit to Rs. 23.97 Crore in Q4 FY 2081/82; EPS Reaches to Rs. 30.58
Tue, Aug 12, 2025 8:53 AM on Latest, Financial Analysis, Company Analysis,
Swarojgar Laghubitta Bittiya Sanstha Limited (SLBBL) has posted an impressive 115.16% year-on-year growth in net profit, reaching Rs. 23.97 crore in the fourth quarter of FY 2081/82, compared to Rs. 11.14 crore in the corresponding period last year.
The company’s paid-up capital rose by 16.81% to Rs. 78.39 crore from Rs. 67.11 crore, while retained earnings increased sharply by 73.21% to Rs. 17.17 crore. Reserves climbed 22.36% to Rs. 30.02 crore.
Deposits from customers surged 20.46% to Rs. 4.49 Arba, and loans and advances to customers expanded 15.15% to Rs. 9.29 Arba. Net interest income jumped 47.24% to Rs. 62.67 crore, supported by business expansion, while impairment charges dropped by 43.67% to Rs. 3.85 crore, significantly boosting operating profit.
The microfinance’s operating profit rose 149.30% to Rs. 32.53 crore. Earnings per share (EPS) increased to Rs. 30.58 from Rs. 16.60, while net worth per share stood at Rs. 160.20.
On the risk front, the Non-Performing Loan (NPL) ratio increased to 7.54% from 5.56%, and the capital adequacy ratio improved slightly to 11.88%. The quarter-end market price was Rs. 1,021.03, reflecting a price-to-earnings (P/E) ratio of 33.39 times.
Major Financial Highlights:
* Figures are of the Immediate Previous Year Quarter Ending
| Particulars (In Rs '000) | Swarojgar Laghubitta | ||
|---|---|---|---|
| Q4 2081/82 | Q4 2080/81 | Difference | |
| Paid Up Capital | 783,924.40 | 671,104.99* | 16.81% |
| Share Premium | 0.00 | 0.00 | - |
| Retained Earnings | 171,749.14 | 99,157.52* | 73.21% |
| Reserves | 300,154.35 | 245,305.80* | 22.36% |
| Borrowings | 4,192,872.28 | 3,858,862.59* | 8.66% |
| Deposits from Customer | 4,497,330.47 | 3,733,553.07* | 20.46% |
| Loans & Advances to Customers | 9,294,279.91 | 8,071,745.63* | 15.15% |
| Net Interest Income | 626,733.10 | 425,656.61 | 47.24% |
| Personnel Expenses | 256,656.97 | 219,302.88 | 17.03% |
| Impairment Charges | 38,541.50 | 68,426.59 | -43.67% |
| Operating Profit | 325,321.71 | 130,493.74 | 149.30% |
| Net Profit | 239,705.80 | 111,405.67 | 115.16% |
| Capital Adequacy (%) | 11.88 | 11.48 | 3.48% |
| NPL (%) | 7.54 | 5.56 | 35.61% |
| Cost of Fund (%) | 7.48 | 8.92 | -16.14% |
| EPS (In Rs.) | 30.58 | 16.60 | 84.20% |
| Net Worth per Share (In Rs.) | 160.20 | 151.33 | 5.86% |
| Qtr end PE Ratio (times) | 33.39 | - | - |
| Qtr End Market Price | 1021.03 | - | - |
