Multipurpose Finance Company Limited · Quarterly report
MPFL Q4 Financial Report — FY 2082/83
Multipurpose Finance Company Limited (MPFL) posted a year-to-date net profit of Rs 5.43 Cr at the end of Q4 FY 2082/83, up 133.0% from Rs 2.33 Cr a year earlier. Annualised EPS is Rs 8.91 against Rs 3.82 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 | 61.02 Cr | 61.02 Cr | +0.0% |
| Share Premium | 1.05 Cr | 1.05 Cr | +0.0% |
| Retained Earnings | 3.02 Cr | 1.21 Cr | +149.5% |
| Reserves | 9.20 Cr | 13.61 Cr | -32.4% |
| Total Equity | 74.30 Cr | 76.89 Cr | -3.4% |
| Total Assets | 4.57 Arb | 3.97 Arb | +14.9% |
| Deposits from Customers | 3.76 Arb | 3.17 Arb | +18.5% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 0 | 0 | — |
| Loans and Advances to Customers | 2.34 Arb | 1.89 Arb | +23.8% |
| Investment Securities | 1.53 Arb | 1.31 Arb | +17.2% |
| Interest Income | 26.40 Cr | 26.40 Cr | +0.0% |
| Net Interest Income | 8.41 Cr | 8.76 Cr | -4.0% |
| Total Operating Income | 13.58 Cr | 15.44 Cr | -12.0% |
| Operating Profit | 7.11 Cr | 3.39 Cr | +110.0% |
| Net Profit | 5.43 Cr | 2.33 Cr | +133.0% |
| Distributable Profit | 3.02 Cr | 1.21 Cr | +149.5% |
| Number of Shares | 61.02 L | 61.02 L | +0.0% |
| EPS Reported | 8.91 | 3.82 | +133.2% |
| Book Value Reported | 121.76 | 126.01 | -3.4% |
| ROE Reported | 7.32% | 3.03% | +4.29 pp |
| CAR | 22.67% | 15.91% | +6.76 pp |
| NPL | 3.30% | 5.47% | -2.17 pp |
| Cost of funds | 4.59K | 6.03K | -23.9% |
| Credit To Deposit Ratio | 64.49% | 59.51% | +4.98 pp |
| Base Rate | 7.91% | 9.50% | -1.59 pp |
| Interest Spread Rate | 4.54% | 4.58% | -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.
MPFL 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 | 1.48 Cr | 2.00 Cr | 2.16 Cr | 2.33 Cr | 1.36 Cr | 78.35 L | 53.24 L | 5.43 Cr |
| EPS | — | 6.57 | 4.73 | 3.82 | 8.89 | 2.57 | 1.16 | 8.91 |
| Net interest income | 2.31 Cr | 4.67 Cr | 6.49 Cr | 8.76 Cr | 1.77 Cr | 3.59 Cr | 5.32 Cr | 8.41 Cr |
| Revenue | 4.46 Cr | 7.43 Cr | 10.26 Cr | 15.44 Cr | 3.94 Cr | 7.28 Cr | 9.62 Cr | 13.58 Cr |
| Non-performing loans | 4.97% | 5.45% | 5.36% | 5.47% | 6.93% | 8.30% | 7.44% | 3.30% |