Gurkhas Finance Ltd. · Quarterly report
GUFL Q4 Financial Report — FY 2082/83
Gurkhas Finance Ltd. (GUFL) posted a year-to-date net profit of Rs 21.94 Cr at the end of Q4 FY 2082/83, swinging from a net loss of Rs 12.74 Cr a year earlier. Annualised EPS is Rs 25.28 against Rs -14.68 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 | 86.80 Cr | 86.80 Cr | +0.0% |
| Share Premium | 2.24 Cr | 2.24 Cr | +0.0% |
| Retained Earnings | -448,431,040 | -572,377,720 | +21.7% |
| Reserves | 1.01 Arb | 91.84 Cr | +10.1% |
| Total Equity | 1.45 Arb | 1.24 Arb | +17.5% |
| Total Assets | 11.17 Arb | 10.86 Arb | +2.8% |
| Deposits from Customers | 9.38 Arb | 9.43 Arb | -0.5% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 18.90 Cr | 10.74 Cr | +75.9% |
| Loans and Advances to Customers | 5.99 Arb | 5.88 Arb | +1.9% |
| Investment Securities | 1.29 Arb | 97.53 Cr | +31.8% |
| Interest Income | 69.54 Cr | 83.81 Cr | -17.0% |
| Net Interest Income | 31.33 Cr | 25.08 Cr | +24.9% |
| Total Operating Income | 36.19 Cr | 31.67 Cr | +14.3% |
| Operating Profit | 36.09 Cr | -118,047,570 | +405.8% |
| Net Profit | 21.94 Cr | -127,394,550 | +272.2% |
| Distributable Profit | -448,431,040 | -572,377,720 | +21.7% |
| Number of Shares | 86.80 L | 86.80 L | +0.0% |
| EPS Reported | 25.28 | -14.68 | +272.2% |
| Book Value Reported | 167.43 | 142.45 | +17.5% |
| ROE Reported | 15.10% | -10.30% | +25.40 pp |
| CAR | 16.42% | 9.41% | +7.01 pp |
| NPL | 13.32% | 1.59% | +11.73 pp |
| Cost of funds | 3.43K | 5.40K | -36.5% |
| Credit To Deposit Ratio | 72.62% | 73.28% | -0.66 pp |
| Base Rate | 6.11% | 8.26% | -2.15 pp |
| Interest Spread Rate | 4.57% | 4.56% | +0.01 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
GUFL 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 | 2.43 Cr | -2,598,700 | -62,182,110 | -127,394,550 | -42,415,130 | 6.17 Cr | 12.95 Cr | 21.94 Cr |
| EPS | — | -0.60 | -9.55 | -14.68 | -19.55 | 14.21 | 19.89 | 25.28 |
| Net interest income | 8.16 Cr | 14.83 Cr | 20.48 Cr | 25.08 Cr | 8.01 Cr | 10.42 Cr | 21.86 Cr | 31.33 Cr |
| Revenue | 11.11 Cr | 18.51 Cr | 24.85 Cr | 31.67 Cr | 8.71 Cr | 12.20 Cr | 25.32 Cr | 36.19 Cr |
| Non-performing loans | 13.45% | 3.06% | 4.28% | 1.59% | 5.44% | 3.78% | 17.71% | 13.32% |