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Share the post "Max Financial Services ‘s Q3 2024-25 Latest News: Revenue Decreases by 27.78% 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’s sales declined by -27.78 % over the year, decrease in net sales/revenue by -33.27 %. 🔹 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 17.61 %. Marginal increase in other income during this quarter, up by 10.99%. 🔹 Profit over the Year and quarter: Challenges in sustaining profitability for Max Financial Services Limited. Profit dropped by -59.23 % Year to Year, Max Financial Services Limited’s profitability dropped by -49.9 % Quarter to Quarter. 🔹 EPS over the Year and quarter: EPS declined by -62.33 % Year to Year. EPS decreased by -50.31 % in previous quarter. Analysis needed for shareholder value.
| Metrics | Previous Year | Previous Quarter | Current Quarter | Quarter to Quarter Difference | Year to Year Difference |
|---|---|---|---|---|---|
| Sales | Rs. 12355.67 Cr | Rs. 13372.39 Cr | Rs. 8923.21 Cr | -33.27 % | -27.78 % |
| Expenses | Rs. 12146.31 Cr | Rs. 13200.75 Cr | Rs. 8835.57 Cr | -33.07 % | -27.26 % |
| Operating Profit | Rs. 209.36 Cr | Rs. 171.64 Cr | Rs. 87.64 Cr | -48.94 % | -58.14 % |
| OPM % | 1.69 % | 1.28 % | 0.98 % | -0.3 % | -0.71 % |
| Other Income | Rs. 3.52 Cr | Rs. 3.73 Cr | Rs. 4.14 Cr | + 10.99 % | + 17.61 % |
| Interest | Rs. 14.15 Cr | Rs. 12.55 Cr | Rs. 10.23 Cr | -18.49 % | -27.7 % |
| Depreciation | Rs. 0.76 Cr | Rs. 0.72 Cr | Rs. 0.81 Cr | + 12.5 % | + 6.58 % |
| Profit before tax | Rs. 197.97 Cr | Rs. 162.1 Cr | Rs. 80.74 Cr | -50.19 % | -59.22 % |
| Tax % | 13.52 % | 14.04 % | 13.54 % | -0.5 % | + 0.02 % |
| Net Profit | Rs. 171.21 Cr | Rs. 139.34 Cr | Rs. 69.81 Cr | -49.9 % | -59.23 % |
| EPS in Rs | Rs. 4.3 | Rs. 3.26 | Rs. 1.62 | -50.31 % | -62.33 % |
Today, we’re looking at Max Financial Services Limited’s financial performance for the Q3(Dec 2024-25).Starting with the top line, the company reported a significant year-over-year sales decline of -27.78 %. However, it did see a marginal slip of -33.27 % from the previous quarter. Expenses decreased slightly by -33.07 % quarter-on-quarter, aligning with the annual decline of -27.26 %. Operating profit, while down -58.14 % compared to last year, faced a quarter-on-quarter dip of -48.94 %, signaling a short-term contraction in margins.
The Operating Profit Margin (OPM) % contradicts this narrative, showing weakness on an annual basis with a decrease of -0.71 %, but a shrinkage of -0.3 % sequentially. Other income rose by 10.99 % compared to the last quarter, despite an annual growth of 17.61 %. Interest expenses dropped significantly by -18.49 % from the previous quarter, yet the year-over-year decrease remains at a moderate -27.7 %. Depreciation costs climbed by 12.5 % quarter-on-quarter, whereas on an annual scale, they saw an increase of 6.58 %. Profit before tax declined annually by -59.22 % but saw a reduction from the preceding quarter by -50.19 %.
Tax expenses as a percentage of profits increased slightly by 0.02 % compared to last year, with a more notable quarter-on-quarter decrease of -0.5 %. Net profit fell by -59.23 % year-on-year but witnessed a -49.9 % contraction from the last quarter. And finally, Earnings Per Share (EPS) displayed an annual downturn of -62.33 % but a quarterly fall of -50.31 %. In summary, Max Financial Services 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. 12355.67 Cr | Rs. 13372.39 Cr | Rs. 8923.21 Cr | -33.27 % | -27.78 % |
| Expenses | Rs. 12146.31 Cr | Rs. 13200.75 Cr | Rs. 8835.57 Cr | -33.07 % | -27.26 % |
| Operating Profit | Rs. 209.36 Cr | Rs. 171.64 Cr | Rs. 87.64 Cr | -48.94 % | -58.14 % |
| Net Profit | Rs. 171.21 Cr | Rs. 139.34 Cr | Rs. 69.81 Cr | -49.9 % | -59.23 % |
| EPS in Rs | Rs. 4.3 | Rs. 3.26 | Rs. 1.62 | -50.31 % | -62.33 % |
In reviewing Max Financial Services Limited’s 2024-25(Q3) financial snapshot, key trends emerge, shedding light on the company’s performance.Sales experienced a decrease of -27.78 % year-on-year, although there was a slight dip of -33.27 % from the previous quarter. Expenses decreased by -27.26 % compared to the previous year, with a decrease of -33.07 % quarter-on-quarter. Operating Profit dropped by -58.14 % annually, and saw a -48.94 % decrease from the last quarter.
Net Profit showed yearly decrease of -59.23 %, and experienced a -49.9 % decrease from the previous quarter. Earnings Per Share (EPS) fell by -62.33 % annually, however dipped by -50.31 % compared to the last quarter. In essence, while Max Financial Services Limited 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.
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