Samriddhi Finance Company Limited · Quarterly report
SFCL Q3 Financial Report — FY 2082/83
Samriddhi Finance Company Limited (SFCL) posted a year-to-date net profit of Rs 7.41 L at the end of Q3 FY 2082/83, swinging from a net loss of Rs 3.57 Cr a year earlier. Annualised EPS is Rs 0.12 against Rs -5.81 in Q3 FY 2081/82.
Q3 FY 2082/83 vs Q3 FY 2081/82
| Metric | Q3 2082/83 | Q3 2081/82 | Change |
|---|---|---|---|
| Paid Up Capital | 81.89 Cr | 81.89 Cr | +0.0% |
| Share Premium | 1.97 Cr | 1.97 Cr | +0.0% |
| Retained Earnings | -619,819,070 | -684,906,000 | +9.5% |
| Reserves | 27.50 Cr | 28.55 Cr | -3.7% |
| Total Equity | 49.38 Cr | 43.92 Cr | +12.4% |
| Total Assets | 3.76 Arb | 3.13 Arb | +20.3% |
| Deposits from Customers | 3.14 Arb | 2.50 Arb | +25.5% |
| Borrowings | 0 | 0 | — |
| Loans and Advances to BFIs | 8.72 Cr | 11.69 Cr | -25.4% |
| Loans and Advances to Customers | 2.21 Arb | 1.60 Arb | +38.2% |
| Investment Securities | 28.00 Cr | 70.48 Cr | -60.3% |
| Interest Income | 19.18 Cr | 19.47 Cr | -1.5% |
| Net Interest Income | 6.14 Cr | 5.65 Cr | +8.8% |
| Total Operating Income | 7.86 Cr | 7.21 Cr | +9.1% |
| Operating Profit | 99.10 L | -41,896,000 | +123.7% |
| Net Profit | 7.41 L | -35,706,000 | +102.1% |
| Distributable Profit | -619,819,070 | -684,906,000 | +9.5% |
| Number of Shares | 81.89 L | 81.89 L | +0.0% |
| EPS Reported | 0.12 | -5.81 | +102.1% |
| Book Value Reported | 60.30 | 53.63 | +12.4% |
| ROE Reported | 0.20% | -10.84% | +11.04 pp |
| CAR | 1,471.00% | 13.12% | +1457.88 pp |
| NPL | 809.00% | 16.42% | +792.58 pp |
| Cost of funds | 5.40 L | 6.73K | +7923.8% |
| Credit To Deposit Ratio | 7,656.00% | 73.82% | +7582.18 pp |
| Base Rate | 910.00% | 10.88% | +899.12 pp |
| Interest Spread Rate | 458.00% | 4.56% | +453.44 pp |
Amounts in Rs and year-to-date; ratios change in percentage points (pp). For NPL and cost of funds, lower is better.
SFCL last 8 quarters
| Metric | Q4 2080/81 | Q1 2081/82 | Q2 2081/82 | Q3 2081/82 | Q4 2081/82 | Q1 2082/83 | Q2 2082/83 | Q3 2082/83 |
|---|---|---|---|---|---|---|---|---|
| Net profit | -94,736,000 | -18,205,000 | -62,822,000 | -35,706,000 | 3.19 Cr | -21,720,520 | 11.70 L | 7.41 L |
| EPS | — | — | -15.34 | -5.81 | 3.90 | -10.61 | 0.29 | 0.12 |
| Net interest income | 8.44 Cr | 1.96 Cr | 3.88 Cr | 5.65 Cr | 8.85 Cr | 1.33 Cr | 3.59 Cr | 6.14 Cr |
| Revenue | 9.68 Cr | 2.70 Cr | 5.13 Cr | 7.21 Cr | 11.70 Cr | 1.92 Cr | 4.68 Cr | 7.86 Cr |
| Non-performing loans | 20.23% | 23.47% | 19.34% | 16.42% | 9.66% | 9.67% | 8.17% | 809.00% |