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Highlights
🔹 The presented financial data is Consolidated to provide a comprehensive overview of the company performance. 🔹 Revenue over the Year and quarter: The company experienced a substantial growth of 15.69 % in the past year, decrease in revenue by -52.25 %. 🔹 Profit over the Year and quarter: Challenges in sustaining profitability for UTKARSH SMALL FINANCE BANK LIM. Profit dropped by -244.8 % Year to Year, UTKARSH SMALL FINANCE BANK LIM’s profitability dropped by -189.02 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS declined by -234.21 % Year to Year. EPS decreased by -188.95 % in previous quarter. Analysis needed for shareholder value. 🔹 Gross NPA % over the Year and quarter: Gross NPA escalated by 50 % this quarter. Cumulating to a 100 % increase over the past year.🔹 Net NPA % over the Year and quarter: Net NPA increased by 100 % this quarter.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Revenue | Rs. 805.98 Cr | Rs. 1952.87 Cr | Rs. 932.43 Cr | -52.25 % | + 15.69 % |
| Interest | Rs. 323.67 Cr | Rs. 821.54 Cr | Rs. 452.31 Cr | -44.94 % | + 39.74 % |
| Expenses | Rs. 412.92 Cr | Rs. 1084.25 Cr | Rs. 823.55 Cr | -24.04 % | + 99.45 % |
| Financing Profit | Rs. 69.39 Cr | Rs. 47.08 Cr | Rs. -343.43 Cr | -829.46 % | -594.93 % |
| Financing Margin % | 8.61 % | 2.41 % | -36.83 % | -39.24 % | -45.44 % |
| Other Income | Rs. 82.66 Cr | Rs. 207.23 Cr | Rs. 105.49 Cr | -49.1 % | + 27.62 % |
| Depreciation | Rs. 0 Cr | Rs. 0 Cr | Rs. 0 Cr | 0 % | 0 % |
| Profit before tax | Rs. 152.05 Cr | Rs. 254.31 Cr | Rs. -237.94 Cr | -193.56 % | -256.49 % |
| Tax % | 23.67 % | 25.77 % | 29.37 % | + 3.6 % | + 5.7 % |
| Net Profit | Rs. 116.06 Cr | Rs. 188.79 Cr | Rs. -168.06 Cr | -189.02 % | -244.8 % |
| EPS in Rs | Rs. 1.13 | Rs. 1.7 | Rs. -1.52 | -189.41 % | -234.51 % |
| Gross NPA % | 0.03 % | 0.04 % | 0.06 % | + 0.02 % | + 0.03 % |
| Net NPA % | 0 % | 0.01 % | 0.02 % | + 0.01 % | % |
Today, we’re looking at UTKARSH SMALL FINANCE BANK LIM’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a robust year-over-year revenue growth of 15.69 %. However, it did see a marginal slip of -52.25 % from the previous quarter. Interest expenses dropped significantly by -44.94 % from the previous quarter, yet the year-over-year increase remains at a moderate 39.74 %. Expenses decreased slightly by -24.04 % quarter-on-quarter, aligning with the annual rise of 99.45 %.
Financing profit, while down -594.93 % compared to last year, faced a quarter-on-quarter dip of -829.46 %, signaling a short-term contraction in margins. The Financing Margin % contradicts this narrative, showing weakness on an annual basis with a decrease of -45.44 %, but a shrinkage of -39.24 % sequentially. Other income fell by -49.1 % compared to the last quarter, despite an annual growth of 27.62 %. Profit before tax declined annually by -256.49 % but saw a reduction from the preceding quarter by -193.56 %. Tax expenses as a percentage of profits increased slightly by 5.7 % compared to last year, With a more notable quarter-on-quarter increase of 3.6 %.
Net profit fell by -244.8 % year-on-year, but witnessed a -189.02 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual downturn of -234.51 % but a quarterly fall of -189.41 %. The Gross NPA% illustrates a promising trend with a quarterly rise of 0.02 % and an annual boost of 0.03 %, signaling robust recovery strategies and a strengthening credit environment. In contrast, the Net NPA% showcases improvements, revealing a quarterly increase of 0.01 % and In summary, UTKARSH SMALL FINANCE BANK LIM’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 |
|---|---|---|---|---|---|
| Revenue | Rs. 805.98 Cr | Rs. 1952.87 Cr | Rs. 932.43 Cr | -52.25 % | + 15.69 % |
| Interest | Rs. 323.67 Cr | Rs. 821.54 Cr | Rs. 452.31 Cr | -44.94 % | + 39.74 % |
| Expenses | Rs. 412.92 Cr | Rs. 1084.25 Cr | Rs. 823.55 Cr | -24.04 % | + 99.45 % |
| Financing Profit | Rs. 69.39 Cr | Rs. 47.08 Cr | Rs. -343.43 Cr | -829.46 % | -594.93 % |
| Net Profit | Rs. 116.06 Cr | Rs. 188.79 Cr | Rs. -168.06 Cr | -189.02 % | -244.8 % |
| EPS in Rs | Rs. 1.13 | Rs. 1.7 | Rs. -1.52 | -189.41 % | -234.51 % |
| Gross NPA % | 0.03 % | 0.04 % | 0.06 % | + 0.02 % | + 0.03 % |
| Net NPA % | 0 % | 0.01 % | 0.02 % | + 0.01 % | % |
In reviewing UTKARSH SMALL FINANCE BANK LIM’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 15.69 % year-on-year growth, although there was a slight dip of -52.25 % from the previous quarter. Interest expenses fell by -44.94 % quarterly and sharply by 39.74 % annually, demonstrating effective cost control and improved debt management. Expenses rose by 99.45 % compared to the previous year, with a decrease of -24.04 % quarter-on-quarter. Financing Profit dropped by -594.93 % annually, and saw a -829.46 % decrease from the last quarter.
Net Profit showed yearly decrease of -244.8 %, and experienced a -189.02 % decrease from the previous quarter. Earnings Per Share (EPS) fell by -234.51 % annually, however dipped by -189.41 % compared to the last quarter. Gross NPA% increased slightly by 0.02 % quarterly and rose by 0.03 % annually, indicating growing challenges in asset quality. Net NPA% improved by 0.01 % quarterly In essence, while UTKARSH SMALL FINANCE BANK LIM faces strong annual decline indicators, short-term fluctuations suggest the need for agile strategies to navigate market dynamics effectively. That’s all for now in the financial sector.
