Dear sir/ Madam, PFA Audited Financial Results for quarter and financial year ended 31.03.2025.

Profit growth above 25%Exceptional itemResults View source PDF Explain this filing

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Price reactionminutes from the announcement price · days from the prior close

-1.7%Reaction day

₹50.82

prior close

₹48.41

announcement price

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Nifty Microcap 250market · in no size index; the smallest one is used+0.3%-2.0% vs market

Non Banking Financial Company (NBFC) peers, median of 190sector+0.3%-1.9% vs sector

On the reaction day the stock moved 2.0 pts less than Nifty Microcap 250 and 1.9 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

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UpDownMarket · Nifty Microcap 250Sector · Non Banking Financial Company (NBFC) peers, median of 190Pending

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AI summary

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.

Likely market impact

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.