Goodwill Finance Limited · Quarterly report
GFCL Q4 Financial Report — FY 2082/83
Goodwill Finance Limited (GFCL) posted a year-to-date net profit of Rs 14.15 Cr at the end of Q4 FY 2082/83, up 2664.6% from Rs 51.19 L a year earlier. Annualised EPS is Rs 14.96 against Rs 0.54 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 | 94.61 Cr | 94.61 Cr | +0.0% |
| Share Premium | 24.76 L | 24.76 L | +0.0% |
| Retained Earnings | -364,258,590 | -419,412,100 | +13.2% |
| Reserves | 1.41 Arb | 1.34 Arb | +5.7% |
| Total Equity | 2.00 Arb | 1.87 Arb | +7.0% |
| Total Assets | 16.18 Arb | 14.72 Arb | +9.9% |
| Deposits from Customers | 13.19 Arb | 12.12 Arb | +8.8% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 21.00 Cr | 22.41 Cr | -6.3% |
| Loans and Advances to Customers | 8.86 Arb | 7.97 Arb | +11.2% |
| Investment Securities | 2.75 Arb | 2.21 Arb | +24.7% |
| Interest Income | 1.03 Arb | 1.11 Arb | -7.3% |
| Net Interest Income | 31.37 Cr | 19.68 Cr | +59.5% |
| Total Operating Income | 42.01 Cr | 27.16 Cr | +54.7% |
| Operating Profit | 19.49 Cr | -5,846,790 | +3433.7% |
| Net Profit | 14.15 Cr | 51.19 L | +2664.6% |
| Distributable Profit | -364,258,590 | -419,412,100 | +13.2% |
| Number of Shares | 94.61 L | 94.61 L | +0.0% |
| EPS Reported | 14.96 | 0.54 | +2670.4% |
| Book Value Reported | 211.01 | 197.14 | +7.0% |
| ROE Reported | 7.09% | 0.27% | +6.82 pp |
| CAR | 15.35% | 0.00% | +15.35 pp |
| NPL | 6.27% | 0.00% | +6.27 pp |
| Cost of funds | 4.65K | 0 | — |
| Credit To Deposit Ratio | 63.30% | 0.00% | +63.30 pp |
| Base Rate | 6.70% | 0.00% | +6.70 pp |
| Interest Spread Rate | 4.21% | 0.00% | +4.21 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GFCL 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 | 1.05 Cr | 1.52 Cr | 51.19 L | 3.74 Cr | 11.17 Cr | 10.13 Cr | 14.15 Cr |
| EPS | — | 2.22 | 2.15 | 0.54 | 15.81 | 23.61 | 14.28 | 14.96 |
| Net interest income | 7.52 Cr | 12.09 Cr | 18.08 Cr | 19.68 Cr | 7.33 Cr | 30.50 Cr | 31.21 Cr | 31.37 Cr |
| Revenue | 9.42 Cr | 15.47 Cr | 23.36 Cr | 27.16 Cr | 23.44 Cr | 35.93 Cr | 38.45 Cr | 42.01 Cr |
| Non-performing loans | 110.61% | 6.77% | 8.07% | 0.00% | 104.19% | 6.70% | 9.86% | 6.27% |