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Share the post "PB Fintech ‘s Q3 2024-25 Latest News: Profit Up by 92.16% Year-on-Year"
Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Sales over the Year and quarter: The company experienced a substantial growth of 48.31 % in the past year, substantial increase in net sales/revenue by 10.66 %. 🔹 Income over the Year and quarter: There has been either a marginal increase or a decline in other income over the past year which is 7.23 %. Marginal decrease of -5.3% in other income during this quarter. 🔹 Profit over the Year and quarter: Significant improvement in profitability for PB Fintech Limited. Notable increase of 92.16 % in net profit Year to Year, PB Fintech Limited’s profitability increased by 40.33 % in this quarter. 🔹 EPS over the Year and quarter: EPS increased by 84.71 % Year to Year. EPS increased by 40.18 % in previous quarter. Positive impact on shareholders.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 870.891 Cr | Rs. 1167.23 Cr | Rs. 1291.62 Cr | + 10.66 % | + 48.31 % |
| Expenses | Rs. 897.75 Cr | Rs. 1175.02 Cr | Rs. 1264 Cr | + 7.57 % | + 40.8 % |
| Operating Profit | Rs. -26.86 Cr | Rs. -7.79 Cr | Rs. 27.62 Cr | + 454.56 % | + 202.83 % |
| OPM % | -3.08 % | -0.67 % | 2.14 % | + 2.81 % | + 5.22 % |
| Other Income | Rs. 93.612 Cr | Rs. 106 Cr | Rs. 100.38 Cr | -5.3 % | + 7.23 % |
| Interest | Rs. 6.44 Cr | Rs. 8.98 Cr | Rs. 9.31 Cr | + 3.67 % | + 44.57 % |
| Depreciation | Rs. 23.08 Cr | Rs. 29.39 Cr | Rs. 33.57 Cr | + 14.22 % | + 45.45 % |
| Profit before tax | Rs. 37.23 Cr | Rs. 59.84 Cr | Rs. 85.12 Cr | + 42.25 % | + 128.63 % |
| Tax % | 0 % | 15.49 % | 15.94 % | + 0.45 % | + 15.94 % |
| Net Profit | Rs. 37.23 Cr | Rs. 50.98 Cr | Rs. 71.54 Cr | + 40.33 % | + 92.16 % |
| EPS in Rs | Rs. 0.83 | Rs. 1.09 | Rs. 1.55 | + 42.2 % | + 86.75 % |
Today, we’re looking at PB Fintech Limited’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year sales growth of 48.31 %. However, it did see a marginal increase of 10.66 % from the previous quarter. Expenses ticked up slightly by 7.57 % quarter-on-quarter, aligning with the annual rise of 40.8 %. Operating profit, while up 202.83 % compared to last year, faced a quarter-on-quarter increase of 454.56 %, signaling a short-term expansion in margins.
The Operating Profit Margin (OPM) % echoes this narrative, showing resilience on an annual basis with an increase of 5.22 %, but an expansion of 2.81 % sequentially. Other income fell by -5.3 % compared to the last quarter, despite an annual growth of 7.23 %. Interest expenses surged remarkably by 3.67 % from the previous quarter, yet the year-over-year increase remains at a moderate 44.57 %. Depreciation costs climbed by 14.22 % quarter-on-quarter, whereas on an annual scale, they saw an increase of 45.45 %. Profit before tax grew annually by 128.63 % but saw an increase from the preceding quarter by 42.25 %.
Tax expenses as a percentage of profits increased slightly by 15.94 % compared to last year, with a more notable quarter-on-quarter increase of 0.45 %. Net profit rose by 92.16 % year-on-year but experienced a 40.33 % expansion from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual uptick of 86.75 % but a quarterly rise of 42.2 %. In summary, PB Fintech Limited’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 870.891 Cr | Rs. 1167.23 Cr | Rs. 1291.62 Cr | + 10.66 % | + 48.31 % |
| Expenses | Rs. 897.75 Cr | Rs. 1175.02 Cr | Rs. 1264 Cr | + 7.57 % | + 40.8 % |
| Operating Profit | Rs. -26.86 Cr | Rs. -7.79 Cr | Rs. 27.62 Cr | + 454.56 % | + 202.83 % |
| Net Profit | Rs. 37.23 Cr | Rs. 50.98 Cr | Rs. 71.54 Cr | + 40.33 % | + 92.16 % |
| EPS in Rs | Rs. 0.83 | Rs. 1.09 | Rs. 1.55 | + 42.2 % | + 86.75 % |
In reviewing PB Fintech Limited’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales saw a robust 48.31 % year-on-year growth, however, there was a minor increase of 10.66 % from the previous quarter. Expenses rose by 40.8 % compared to the previous year, with a 7.57 % increase quarter-on-quarter. Operating Profit surged by 202.83 % annually, and saw a 454.56 % increase from the last quarter.
Net Profit showed yearly increase of 92.16 %, and experienced a 40.33 % increase from the previous quarter. Earnings Per Share (EPS) rose by 86.75 % annually, however rose by 42.2 % compared to the last quarter. In essence, while PB Fintech Limited exhibits strong annual growth indicators, short-term improvements suggest the potential for recovery and the importance of strategic adjustments to counter market challenges effectively. That’s all for now in the financial sector.
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