Please find enclosed herewith the Audited Standalone Financial Results of the Company for the Quarter and Year Ended March 31, 2025
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PMC Fincorp, an NBFC (Base Layer), reported strong full-year FY25 results with total income rising to Rs. 2,162.96 lakhs from Rs. 1,568.56 lakhs (about 38% growth) and net profit after tax climbing to Rs. 1,434.98 lakhs from Rs. 1,134.69 lakhs (about 26.5% growth). Interest income, the core revenue line, jumped nearly 46% to Rs. 1,388.04 lakhs, driven by a loan book that expanded from Rs. 11,088 lakhs to Rs. 14,802 lakhs. The company raised Rs. 4.89 crores via a rights issue at Rs. 2.75 per share during the year. However, Q4 standalone numbers were weak with PAT of just Rs. 84.67 lakhs versus Rs. 384.76 lakhs a year ago, and operating cash flow turned sharply negative at Rs. -2,797 lakhs (vs +Rs. 1,003 lakhs last year), reflecting heavy loan disbursements. The board recommended a 1% dividend (Re. 0.01 per share) and re-appointed key directors; statutory auditors issued an unmodified opinion.
Strong full-year profit growth and expanding loan book are positives for shareholders, but the steep Q4 profit drop and negative operating cash flow may concern short-term investors. The 1% dividend is modest given the low face value, and ongoing SEBI litigation in the Supreme Court remains a key overhang to watch.