Dear sir/ Madam, PFA Audited Financial Results for quarter and financial year ended 31.03.2025.
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Awaiting price reaction for this filing.
For FY25, total income rose to ₹579.25 lakhs from ₹398.99 lakhs in FY24 (up ~45%), driven by higher interest income (₹339.51 lakhs vs ₹199.59 lakhs) and profit on sale of investments (₹208.05 lakhs vs ₹130.47 lakhs). Net profit for FY25 came in at ₹103.65 lakhs, up ~38% from ₹74.99 lakhs in FY24, with EPS at ₹1.12 vs ₹0.81. However, Q4 FY25 was weak: total income dropped to ₹127.11 lakhs from ₹185.47 lakhs in Q4 FY24, and net profit fell sharply to just ₹4.25 lakhs from ₹22.25 lakhs. The auditor issued a clean (unmodified) opinion. On the balance sheet, loans grew sharply to ₹2,698.25 lakhs from ₹1,686.25 lakhs, borrowings rose to ₹2,000.05 lakhs, while cash was very low at ₹7.59 lakhs.
The strong full-year topline and profit growth is positive, but the steep Q4 dip in earnings and high overdue loans of ₹571.37 lakhs (over 90 days) flagged by the auditor are concerns. Low cash buffer and weak Q4 may weigh on near-term sentiment; investors should track loan quality and recovery closely.