Audited Financial result for the Quarter and year ended 31.03.2025
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Sangam Finserv Limited reported audited results for Q4 FY25 and full-year FY25, with a clean (unmodified) audit opinion from O.P. Dad & Co. Total income for the full year fell to Rs. 1,701.48 lakh from Rs. 1,857.82 lakh in FY24, a decline of about 8%. Profit after tax, however, rose to Rs. 790.35 lakh from Rs. 659.72 lakh, a growth of around 20%, helped by lower finance costs and impairment charges. Q4 was weak, with PAT at Rs. 127.84 lakh versus Rs. 362.48 lakh in Q4 FY24, dragged down by lower net fair value gains. The company issued bonus shares in a 4:1 ratio in February 2025, which expanded equity capital five-fold. Operating cash flow was strong, jumping to Rs. 2,881.38 lakh from Rs. 1,035.14 lakh. The board also appointed a new secretarial auditor for five years and reappointed the internal auditor for FY26.
The clean audit opinion and 20% PAT growth despite a revenue dip are mildly positive for shareholders. However, the weak Q4 and declining loan book (down from Rs. 14,065 lakh to Rs. 10,719 lakh) suggest core lending activity is slowing, while the large 4:1 bonus issue will dilute per-share metrics. Investors should note the shift in asset mix towards investments rather than loans.