Equitas Small Finance Bank Lim’s Q3 2024-25 Latest News: Financial Results announced

Today, we’re looking at Equitas 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 12.82 %. However, it did see a marginal increase of 3.67 % from the previous quarter. Interest expenses surged remarkably by 5.45 % from the previous quarter, yet the year-over-year increase remains at a moderate 23.29 %. Expenses decreased slightly by -5.3 % quarter-on-quarter, aligning with the annual rise of 35.31 %.
Financing profit, while down -311.03 % compared to last year, faced a quarter-on-quarter increase of 32.07 %, signaling a short-term expansion in margins. The Financing Margin % contradicts this narrative, showing weakness on an annual basis with a decrease of -14.15 %, but an expansion of 4.86 % sequentially. Other income fell by -0.22 % compared to the last quarter, despite an annual growth of 16.03 %. Profit before tax declined annually by -67.48 % but saw an increase from the preceding quarter by 347.36 %. Tax expenses as a percentage of profits decreased slightly by -0.67 % compared to last year, With a more notable quarter-on-quarter decrease of -9.66 %.
Net profit fell by -67.18 % year-on-year, but experienced a 414.75 % expansion from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual downturn of -67.23 % but a quarterly rise of 427.27 %. The Gross NPA% illustrates a promising trend with a quarterly rise of 0 % and an annual decline of -2.5 %, pointing to weakening recovery efforts and a deteriorating credit environment. In contrast, the Net NPA% showcases improvements, revealing a quarterly increase of 0 % and an annual decline of -1.12 %, reflecting persistent vulnerabilities in asset quality and risk management. In summary, Equitas Small Finance Bank Lim’s annual performance indicates steady growth, although the quarter-on-quarter figures suggest some areas may require strategic attention.

In reviewing Equitas Small Finance Bank Lim’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Revenue saw a robust 12.82 % year-on-year growth, however, there was a minor increase of 3.67 % from the previous quarter. Interest expenses climbed by 5.45 % quarterly and sharply by 23.29 % annually, demonstrating effective cost control and improved debt management. Expenses rose by 35.31 % compared to the previous year, with a decrease of -5.3 % quarter-on-quarter. Financing Profit dropped by -311.03 % annually, and saw a 32.07 % increase from the last quarter.
Net Profit showed yearly decrease of -67.18 %, and experienced a 414.75 % increase from the previous quarter. Earnings Per Share (EPS) fell by -67.23 % annually, however rose by 427.27 % compared to the last quarter. Gross NPA% increased slightly by 0 % quarterly and fell by -2.5 % annually, showcasing improvements in asset quality. Net NPA% improved by 0 % quarterly and decreased by -1.12 % annually, showcasing effective recovery and risk management strategies. In essence, while Equitas Small Finance Bank Lim faces strong annual decline 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.