Audited financial Results of the Company for the last quarter and financial year ended 31st March, 2025.
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GSB Finance Ltd reported a sharp decline in full-year earnings for FY25. Total revenue fell to ₹179.42 lakhs from ₹368.23 lakhs in FY24, a drop of roughly 51%. Profit before tax came in at ₹83.12 lakhs (vs ₹160.16 lakhs), while profit after tax slipped to ₹71.65 lakhs from ₹157.17 lakhs, down about 54% YoY. The fourth quarter alone was loss-making at ₹20.72 lakhs, similar to the ₹12.59 lakh loss in Q4 FY24. Interest income for the year was ₹133.28 lakhs versus ₹128.90 lakhs, broadly flat, but other gains on financial instruments fell sharply from ₹238.34 lakhs to ₹44.50 lakhs, which explains the bulk of the profit decline. Operating cash flow turned negative at ₹(3.65) lakhs, compared to a strong inflow of ₹646.81 lakhs last year. The auditor (Suvarna & Katdare) issued a clean, unqualified opinion on the results.
Shareholders should note that FY25 was a materially weaker year, with revenue and profits nearly halving YoY and operating cash flow turning negative. The drop was largely driven by lower fair-value gains rather than core lending income, but the swing in cash generation is a concern and could weigh on the stock.