Central Finance Co. Ltd. · Quarterly report
CFCL Q4 Financial Report — FY 2082/83
Central Finance Co. Ltd. (CFCL) posted a year-to-date net profit of Rs 12.75 Cr at the end of Q4 FY 2082/83, up 43.1% from Rs 8.91 Cr a year earlier. Annualised EPS is Rs 13.44 against Rs 9.40 in Q4 FY 2081/82.
Q4 FY 2082/83 vs Q4 FY 2081/82
| Metric | Q4 2082/83 | Q4 2081/82 | Change |
|---|---|---|---|
| Paid Up Capital | 94.89 Cr | 94.89 Cr | +0.0% |
| Share Premium | 4.43 L | 4.43 L | +0.0% |
| Retained Earnings | -216,797,980 | -302,521,990 | +28.3% |
| Reserves | 42.65 Cr | 43.42 Cr | -1.8% |
| Total Equity | 1.16 Arb | 1.08 Arb | +7.2% |
| Total Assets | 9.94 Arb | 8.84 Arb | +12.4% |
| Deposits from Customers | 8.47 Arb | 7.52 Arb | +12.5% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 10.59 Cr | 16.44 Cr | -35.6% |
| Loans and Advances to Customers | 4.65 Arb | 4.48 Arb | +3.7% |
| Investment Securities | 3.04 Arb | 2.90 Arb | +4.7% |
| Interest Income | 63.93 Cr | 69.69 Cr | -8.3% |
| Net Interest Income | 21.95 Cr | 19.89 Cr | +10.4% |
| Total Operating Income | 28.36 Cr | 27.64 Cr | +2.6% |
| Operating Profit | 18.22 Cr | 12.74 Cr | +43.1% |
| Net Profit | 12.75 Cr | 8.91 Cr | +43.1% |
| Distributable Profit | -216,797,980 | -302,521,990 | +28.3% |
| Number of Shares | 94.89 L | 94.89 L | +0.0% |
| EPS Reported | 13.44 | 9.40 | +43.0% |
| Book Value Reported | 122.15 | 113.92 | +7.2% |
| ROE Reported | 11.01% | 8.25% | +2.76 pp |
| CAR | 15.03% | 12.14% | +2.89 pp |
| NPL | 10.12% | 14.18% | -4.06 pp |
| Cost of funds | 4.24K | 5.84K | -27.4% |
| Credit To Deposit Ratio | 59.89% | 66.84% | -6.95 pp |
| Base Rate | 6.56% | 8.25% | -1.69 pp |
| Interest Spread Rate | 4.42% | 4.46% | -0.04 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
CFCL last 8 quarters
| Metric | Q1 2081/82 | Q2 2081/82 | Q3 2081/82 | Q4 2081/82 | Q1 2082/83 | Q2 2082/83 | Q3 2082/83 | Q4 2082/83 |
|---|---|---|---|---|---|---|---|---|
| Net profit | 4.95 Cr | 34.90 L | 1.70 Cr | 8.91 Cr | 1.84 Cr | 3.92 Cr | 3.69 Cr | 12.75 Cr |
| EPS | — | 0.74 | 2.39 | 9.40 | 7.78 | 8.26 | 5.19 | 13.44 |
| Net interest income | 5.53 Cr | 10.66 Cr | 13.02 Cr | 19.89 Cr | 3.77 Cr | 10.25 Cr | 16.46 Cr | 21.95 Cr |
| Revenue | 9.94 Cr | 15.45 Cr | 18.36 Cr | 27.64 Cr | 7.65 Cr | 15.18 Cr | 22.09 Cr | 28.36 Cr |
| Non-performing loans | 8.71% | 11.94% | 12.01% | 14.18% | 12.09% | 14.18% | 14.17% | 10.12% |