Progressive Finance Limited · Quarterly report
PROFL Q4 Financial Report — FY 2082/83
Progressive Finance Limited (PROFL) posted a year-to-date net profit of Rs 5.02 Cr at the end of Q4 FY 2082/83, down 55.2% from Rs 11.19 Cr a year earlier. Annualised EPS is Rs 5.92 against Rs 13.20 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 | 84.81 Cr | 84.81 Cr | +0.0% |
| Share Premium | 0 | 0 | — |
| Retained Earnings | -359,522,860 | -423,179,510 | +15.0% |
| Reserves | 22.25 Cr | 24.71 Cr | -10.0% |
| Total Equity | 71.11 Cr | 67.20 Cr | +5.8% |
| Total Assets | 8.90 Arb | 7.99 Arb | +11.4% |
| Deposits from Customers | 7.93 Arb | 6.98 Arb | +13.6% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 6.33 Cr | 23.74 Cr | -73.3% |
| Loans and Advances to Customers | 5.46 Arb | 4.80 Arb | +13.7% |
| Investment Securities | 2.06 Arb | 1.31 Arb | +56.8% |
| Interest Income | 54.20 Cr | 59.38 Cr | -8.7% |
| Net Interest Income | 19.37 Cr | 18.53 Cr | +4.5% |
| Total Operating Income | 24.21 Cr | 23.56 Cr | +2.8% |
| Operating Profit | 6.94 Cr | 15.98 Cr | -56.6% |
| Net Profit | 5.02 Cr | 11.19 Cr | -55.2% |
| Distributable Profit | -359,522,860 | -423,179,510 | +15.0% |
| Number of Shares | 84.81 L | 84.81 L | +0.0% |
| EPS Reported | 5.92 | 13.20 | -55.2% |
| Book Value Reported | 83.84 | 79.24 | +5.8% |
| ROE Reported | 7.06% | 16.66% | -9.60 pp |
| CAR | 12.25% | 12.92% | -0.67 pp |
| NPL | 3.01% | 4.44% | -1.43 pp |
| Cost of funds | 4.10K | 5.13K | -20.1% |
| Credit To Deposit Ratio | 69.60% | 72.73% | -3.13 pp |
| Base Rate | 7.20% | 8.64% | -1.44 pp |
| Interest Spread Rate | 4.55% | 4.55% | +0.00 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
PROFL 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 | 8.09 Cr | 8.54 Cr | 9.04 Cr | 11.19 Cr | -39,080,610 | -29,251,960 | -24,743,250 | 5.02 Cr |
| EPS | — | 20.13 | 14.22 | 13.20 | -18.43 | -6.90 | -3.89 | 5.92 |
| Net interest income | 5.06 Cr | 7.88 Cr | 13.09 Cr | 18.53 Cr | 5.08 Cr | 9.18 Cr | 14.09 Cr | 19.37 Cr |
| Revenue | 6.61 Cr | 11.25 Cr | 17.16 Cr | 23.56 Cr | 7.56 Cr | 12.38 Cr | 18.07 Cr | 24.21 Cr |
| Non-performing loans | 7.47% | 7.57% | 7.15% | 4.44% | 6.67% | 7.39% | 5.58% | 3.01% |