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Category: Quarterly Results

  • Utkarsh Small Finance Bank Q4 FY25: Profit Declines to ₹29.67 Million

    Utkarsh Small Finance Bank Q4 FY25: Profit Declines to ₹29.67 Million

    Utkarsh Small Finance Bank Ltd reported its Q4 FY25 results, showing a slight dip in revenue but a sharp decline in profitability. The bank’s interest earned for the quarter ended March 2025 stood at ₹8,796.23 million, down 1.79% from ₹8,956.20 million in the same quarter last year.

    However, the bank saw a significant jump in other income, which rose 137.90% to ₹2,871.10 million from ₹1,206.85 million year-on-year. Despite the increase in income from non-interest sources, the bank’s profit after tax (PAT) dropped massively by 98.14% to ₹29.67 million compared to ₹1,596.56 million in Q4 FY24.

    Utkarsh Small Finance Bank Financial Statement of Q4 Fy2025

    Parameter Q4 FY25 (202503) Q4 FY24 (202403) % Change
    Interest Earned 8796.23 8956.20 -1.79%
    Other Income 2871.10 1206.85 137.90%
    Interest Expended 4682.15 3556.73 31.64%
    Operating Expenses 4645.42 4645.42 22.76%
    Operating Profit 0.00 0.00 0.00%
    Provisions & Contingencies 2226.99 738.69 201.48%
    Tax 83.10 486.90 -82.93%
    PAT 29.67 1596.56 -98.14%
    OPM (%) 26.60 31.51 -15.59%

    Rising Expenses and Provisions Hurt Profitability

    Interest expenditure surged by 31.64% to ₹4,682.15 million from ₹3,556.73 million. Operating expenses remained flat quarter-on-quarter at ₹4,645.42 million, but provisioning and contingencies saw a massive jump of 201.48% to ₹2,226.99 million, up from ₹738.69 million.

    Tax expenses also dropped significantly by 82.93%, coming in at ₹83.10 million compared to ₹486.90 million in Q4 FY24.

    Operating Profit at Zero

    For Q4 FY25, the bank reported zero operating profit. Despite having increased income sources, higher interest costs, rising provisions, and flat operational costs left no room for operating margins. This reflects in the operating profit margin (OPM), which fell to 26.60% from 31.51% in Q4 FY24.

    Yearly Performance Also Affected

    For the full year ended March 2025, the bank’s PAT stood at ₹237.07 million, a drop of 95.24% compared to ₹4,976.28 million in FY24. On the other hand, interest earned grew by 18.45% to ₹37,649.26 million, and other income surged 49.83% to ₹5,998.34 million. However, these gains were offset by a 34.77% rise in interest expended and a 189.83% increase in provisions.

    Final Thoughts

    Utkarsh Small Finance Bank’s Q4 FY25 results reflect rising costs and provisioning pressures despite stable revenue. The steep fall in net profit indicates challenges in maintaining profitability in the face of increasing expenses and credit risk. Going forward, investors should watch the bank’s provisioning trends and asset quality closely.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • DMart Q4 Financial Results 2025: Revenue Up 16.69%, Net Profit Steady

    DMart Q4 Financial Results 2025: Revenue Up 16.69%, Net Profit Steady

    Avenue Supermarts Ltd, the parent company of DMart, posted its financial results for the fourth quarter ending March 2025 (Q4 FY25), showing moderate growth in revenue and profitability. The company registered a 16.69% rise in revenue, reaching ₹1,44,623.90 million compared to ₹1,23,934.60 million in Q4 FY24.

    Dmart Financial Statements Q4 2025

    Metric Q4 FY25 (202503) Q4 FY24 (202403) % Change YoY
    Sales 144623.90 123934.60 16.69%
    Other Income 391.30 522.00 -25.04%
    PBIDT 10205.30 9924.20 2.83%
    Interest 159.90 105.30 51.85%
    PBDT 10045.40 9818.90 2.31%
    Depreciation 2160.20 1780.80 21.31%
    PBT 7885.20 8038.10 -1.90%
    TAX 1688.10 1996.10 -15.43%
    Deferred Tax 66.50 16.50 303.03%
    PAT 6197.10 6042.00 2.57%
    Equity 6507.30 6507.30 0.00%
    PBIDTM(%) 7.06% 8.01% -11.88%

    Key Highlights

    • Sales Growth: The total sales rose to ₹1,44,623.90 million in Q4 FY25, reflecting a healthy year-on-year growth of 16.69%.

    • Operating Profit (PBIDT): Operating profit showed a modest increase of 2.83% to ₹10,205.30 million from ₹9,924.20 million in the same quarter last year.

    • Net Profit (PAT): The net profit grew by 2.57% to ₹6,197.10 million from ₹6,042.00 million in Q4 FY24.

    • Interest Costs: Interest expenses rose significantly by 51.85% to ₹159.90 million.

    • Depreciation Costs: Depreciation increased by 21.31%, reaching ₹2,160.20 million.

    • Profit Before Tax (PBT): The company reported a slight dip in PBT by 1.90%, ending at ₹7,885.20 million.

    • PBIDT Margin: The PBIDT margin dropped slightly to 7.06% in Q4 FY25 from 8.01% in Q4 FY24.

    Despite the growth in revenue, bottom-line expansion remained subdued due to higher depreciation, increased interest costs, and lower other income (down by 25.04%).

    Year-to-Date and Annual Performance

    For the full year FY25, Avenue Supermarts posted annual revenue of ₹5,77,898.10 million, reflecting a 16.67% growth compared to the previous year. Net profit for the full year stood at ₹29,271.80 million, showing a 8.62% growth over FY24.

    The company’s operating efficiencies remain robust, and it has maintained steady equity of ₹6,507.30 million. However, the drop in margins suggests rising costs are impacting profitability.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • Manorama Industries Q4 FY25 Results: Net Profit Surges 238% YoY to ₹422.67 Million

    Manorama Industries Q4 FY25 Results: Net Profit Surges 238% YoY to ₹422.67 Million

    Manorama Industries Ltd has posted impressive results for the quarter ending March 2025, showcasing substantial growth in both revenue and profit. The company’s remarkable performance reflects its operational efficiency, strong market demand, and strategic management decisions.

    Key Highlights

    Manorama Industries delivered a strong financial performance in Q4 FY25, with remarkable growth in both topline and bottom-line numbers. Here’s a breakdown of the key financial metrics:

    Financial Performance Breakdown:

    • Sales: Increased by 80% year-on-year, reaching ₹2,328.06 million, compared to ₹1,293.35 million in Q4 FY24. The strong revenue growth signals robust demand and the company’s growing market presence.

    • Other Income: Saw a significant surge of 139.97%, growing to ₹90.59 million from ₹37.75 million in the same quarter last year. This increase provided a solid boost to the company’s operating income.

    • PBIDT (Profit Before Interest, Depreciation, and Taxes): Soared by an impressive 197.21%, reaching ₹729.61 million compared to ₹245.49 million in Q4 FY24, demonstrating enhanced operating efficiency.

    • Interest Costs: Rose by 73.58% to ₹119.46 million, reflecting higher borrowing costs.

    • PBDT (Profit Before Depreciation and Tax): Increased by 245.36%, reaching ₹610.15 million from ₹176.67 million, reflecting improved operational performance.

    • Depreciation: Increased by 69.84%, reaching ₹63.98 million, slightly impacting overall profitability.

    • PBT (Profit Before Tax): Increased by a remarkable 292.93%, reaching ₹546.17 million from ₹139.00 million in Q4 FY24.

    • Tax Expense: Rose sharply by 785.30% to ₹123.50 million, reflecting the surge in profitability.

    • Net Profit (PAT): More than tripled, growing by 238.00% to ₹422.67 million from ₹125.05 million, driven by improved operating efficiency and strong revenue growth.

    Manorama Industries Q4 FY25 Financial Statement (₹ in Million)

    Parameter Q4 FY25 (₹ Million) Q4 FY24 (₹ Million) % Change YoY
    Sales 2328.06 1293.35 80.00%
    Other Income 90.59 37.75 139.97%
    PBIDT 729.61 245.49 197.21%
    PBDT 610.15 176.67 245.36%
    PBT 546.17 139.00 292.93%
    PAT 422.67 125.05 238.00%
    PBIDTM (%) 31.34% 18.98% 65.11%

    Year-to-Date (YTD) Performance: FY25 Overview

    Manorama Industries’ strong Q4 performance was mirrored throughout FY25, with steady growth across key financial metrics. The company’s full-year results reflect its operational efficiency and market leadership.

    Full-Year Financial Highlights:

    • Sales Growth (FY25): The company’s full-year sales were buoyed by Q4’s strong performance, driving the business forward in a competitive market environment.

    • Profit Growth: Despite rising interest and depreciation costs, Manorama Industries managed to increase profitability across the board, positioning itself for continued growth in the coming quarters.

    Profitability and Operational Efficiency

    Manorama Industries demonstrated significant improvements in its profitability metrics, thanks to better operating efficiency and strong revenue realization. The company’s profitability margins saw substantial growth, further highlighting the strength of its business operations.

    Key Profitability Metrics:

    • PBIDT Margin (PBIDTM%): Expanded to 31.34% in Q4 FY25, up from 18.98% in Q4 FY24, showing operational leverage and efficient cost management.

    • Net Profit Margin: The significant increase in net profit, coupled with the surge in other income and efficient cost control, led to a healthy improvement in overall margins.

    Analyst’s View: Impressive Growth and Strong Outlook

    Manorama Industries has demonstrated stellar growth in Q4 FY25, with key financial metrics reflecting exceptional operational efficiency and solid demand for its products. Key takeaways from the quarter include:

    Strengths:

    • Sales grew by a robust 80% year-on-year.
    • A significant surge in other income, boosting operating performance.
    • Exceptional growth in PBT and PAT, supported by improved margins.

    Challenges:

    • Rising interest and depreciation expenses slightly impacted profit margins, though overall profitability remained strong.

    Investor Insight:

    Manorama Industries continues to showcase impressive growth across revenue and profitability metrics. The company’s ability to control costs, expand margins, and improve operating efficiency has put it in a strong position for sustained growth moving forward.

    The Bottom Line

    Manorama Industries has delivered outstanding results for Q4 FY25, with strong revenue and profitability growth. The company’s impressive 238% increase in net profit underscores its operational efficiency and strategic focus. With a solid financial performance and a positive outlook, Manorama Industries is well-positioned for continued success.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • Ugro Capital Q4 FY25 Results: Net Profit Rises 24.04%, Sales Grow 25.05% YoY

    Ugro Capital Q4 FY25 Results: Net Profit Rises 24.04%, Sales Grow 25.05% YoY

    Ugro Capital Ltd announced its Q4 FY25 results, revealing strong growth across key financial metrics. The company has posted impressive figures, particularly in sales and net profit, indicating solid operational performance despite the challenging financial landscape.

    Key Highlights

    Ugro Capital demonstrated consistent growth in Q4 FY25, with a notable rise in both top-line and bottom-line performance. Below is the detailed breakdown of the company’s financial results:

    Financial Performance Breakdown:

    • Sales: Increased by 25.05% year-on-year to ₹4,031.76 million, compared to ₹3,224.08 million in Q4 FY24. This growth reflects the company’s expanding customer base and an increase in lending activities.

    • Net Profit (PAT): Rose by 24.04%, reaching ₹405.47 million from ₹326.88 million in the same quarter last year. The growth in profitability highlights Ugro Capital’s efficient cost management and its ability to perform well in a competitive market.

    • Operating Profit (PBIDT): Marginally improved by 29.73% to ₹2,516.58 million, compared to ₹1,939.87 million in Q4 FY24, showcasing strong operational efficiency.

    • Interest Expense: Increased by 41.41% to ₹1,812.13 million, up from ₹1,281.44 million last year, reflecting higher finance costs and their pressure on margins.

    • Depreciation Expense: Rose by 33.72% to ₹132.36 million from ₹98.98 million in Q4 FY24, impacting the overall profitability to some extent.

    • Profit Before Tax (PBT): Saw a modest increase of 2.26% to ₹572.09 million, up from ₹559.14 million in the previous year, despite the pressure from rising interest and depreciation costs.

    Ugro Capital Ltd Q4 FY25 Financial Statement (₹ in Million)

    Particulars Q4 FY25 (₹ Million) Q4 FY24 (₹ Million) % Change
    Sales 4031.76 3224.08 25.05%
    Other Income 92.62 79.84 16.01%
    PBIDT 2516.58 1939.87 29.73%
    Interest 1812.13 1281.44 41.41%
    PBDT 704.45 658.43 6.99%
    Depreciation 132.36 98.98 33.72%
    PBT 572.09 559.45 2.26%
    TAX 166.62 232.57 -28.36%
    PAT 405.47 326.88 24.04%

    Year-to-Date (YTD) Performance: FY25 Overview

    For the full fiscal year (FY25), Ugro Capital continued to demonstrate consistent growth, with a 33.20% increase in sales year-on-year, signaling strong business momentum.

    Full-Year Financial Highlights:

    • Sales Growth (FY25): Ugro Capital posted a 33.20% increase in sales for the full fiscal year, continuing its positive growth trajectory.

    • Profit Growth: The company managed to balance growth and efficiency, delivering stable returns despite the cost pressures seen in Q4.

    Profitability and Operational Efficiency

    Ugro Capital’s ability to maintain strong operational performance and profitability despite rising costs is a key highlight of its Q4 results. Here’s a detailed look at the company’s efficiency:

    Profitability Metrics:

    • PBIDTM (Profit Before Interest, Depreciation, and Tax Margin): Held steady at 62.42% in Q4 FY25, up slightly from 60.17% in the same period last year, indicating consistent operational efficiency and strong margin management.

    • Tax Expense: Declined by 28.36%, offering relief to the company’s bottom line and aiding the growth in net profit.

    • Deferred Tax: Dropped sharply by 71.13%, further contributing to the positive results for the quarter.

    Analyst’s View: Consistent Growth Amid Financial Pressures

    Ugro Capital’s Q4 FY25 results are a testament to the company’s robust growth strategy, even in a competitive market environment. Key insights from the quarter include:

    Strengths:

    • Strong sales growth of 25.05% year-on-year.
    • A healthy increase in operating profit and net profit.
    • Efficient cost control leading to stable margins.

    Challenges:

    • Rising interest and depreciation expenses putting pressure on profitability.
    • Modest increase in PBT, reflecting the impact of higher finance costs.

    Investor Insight:

    Ugro Capital has shown resilience in a challenging financial environment. The company’s ability to maintain stable margins and improve profitability despite rising costs suggests solid management and a promising outlook, provided it continues to optimize its operational expenses.

    The Bottom Line

    Ugro Capital’s Q4 FY25 results reflect consistent growth and strong operational performance, despite rising interest expenses and depreciation costs. The company has successfully balanced top-line growth with cost management, and its stable profit margins are a positive sign for the future. Going forward, Ugro Capital’s ability to control rising costs and maintain strong operational efficiency will be key to sustaining its growth momentum.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • Avantel Ltd Q4 FY25 Results: Net Profit Falls 43.77%, Revenue Up 17.81%

    Avantel Ltd Q4 FY25 Results: Net Profit Falls 43.77%, Revenue Up 17.81%

    Avantel Ltd announced its financial results for Q4 FY25, presenting a mixed performance across key financial metrics. While the company saw strong revenue growth, it struggled with declining profitability due to increased costs and higher interest expenses.

    Key Highlights

    The March 2025 quarter saw significant revenue growth, yet escalating costs affected the company’s bottom line, resulting in a sharp decline in net profit.

    Financial Performance Breakdown:

    • Revenue: Increased by 17.81% to ₹491.42 million, compared to ₹417.12 million in Q4 FY24, reflecting strong market demand and operational progress.

    • Net Profit (PAT): Declined by 43.77% to ₹73.57 million, down from ₹130.83 million in Q4 FY24. The drop in profitability was primarily driven by higher costs and interest expenses.

    • Operating Profit (PBIDT): Fell by 33.16% year-on-year to ₹130.27 million, indicating pressure on margins despite revenue growth.

    • Profit Before Depreciation and Tax (PBDT): Dropped by 35.52% to ₹123.72 million, down from ₹191.87 million in the previous year.

    • Interest Expenses: Increased significantly by 115.46% to ₹6.55 million, putting further strain on profitability.

    • Depreciation Charges: Rose by 18.31% to ₹28.04 million, contributing to the decline in operating profit.

    Avantel Ltd Q4 FY25 Financial Statement (₹ in Million)

    Particulars Q4 FY25 (₹ Million) Q4 FY24 (₹ Million) % Change
    Sales 491.42 417.12 +17.81%
    Other Income 4.76 4.60 +3.48%
    PBIDT 130.27 194.91 -33.16%
    Interest 6.55 3.04 +115.46%
    PBDT 123.72 191.87 -35.52%
    Depreciation 28.04 23.70 +18.31%
    PBT 95.68 168.17 -43.11%
    PAT 73.57 130.83 -43.77%

    Year-to-Date (YTD) Performance: FY25 Overview

    Looking at the full year (FY25), Avantel Ltd showed moderate improvement in overall sales, but net profit remained relatively flat, reflecting ongoing cost pressures.

    Full Year Financial Highlights:

    • Revenue: Increased by 10.97% year-on-year to ₹2,484.84 million.

    • Net Profit: Grew by 8.05% to ₹599.16 million, compared to ₹554.51 million in FY24, marking a slight improvement in profitability despite quarterly challenges.

    Profitability Under Pressure

    Despite solid revenue growth, Avantel Ltd’s profitability faced notable headwinds in Q4 FY25 due to rising expenses. Here’s a closer look:

    Profitability Metrics:

    • Profit Before Tax (PBT): Decreased by 43.11% to ₹95.68 million from ₹168.17 million in Q4 FY24.

    • Tax Expenses: Provided partial relief as tax provision dropped by 40.79% to ₹22.11 million, helping to cushion the impact on the bottom line.

    Analyst’s View: A Mixed Quarter with Challenges Ahead

    Avantel Ltd experienced solid revenue growth in Q4 FY25, but the rise in costs and interest expenses significantly hampered profitability. Key insights from the quarter include:

    Strengths:

    • Strong revenue growth driven by operational progress.
    • Modest increase in full-year net profit.

    Challenges:

    • Increased interest expenses and depreciation charges.
    • Substantial decline in operating profit and PBT, highlighting margin pressures.

    Investor Insight:

    Avantel Ltd’s ability to manage rising costs and interest expenses will be crucial for its future profitability. The company will need to focus on maintaining its revenue growth while optimizing costs and controlling interest expenses to improve profitability in the coming quarters.

    The Bottom Line

    Avantel Ltd’s Q4 FY25 results showcase strong revenue growth but highlight significant profitability challenges, primarily driven by increased operating costs and higher interest expenses. As the company navigates these headwinds, it will need to address cost pressures effectively to sustain its revenue momentum and improve profitability moving forward.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • IDFC First Bank Q4 FY25 Results: Revenue Up 14.52%, Net Profit Falls 58.02%

    IDFC First Bank Q4 FY25 Results: Revenue Up 14.52%, Net Profit Falls 58.02%

    IDFC First Bank Ltd has announced its financial results for Q4 FY25, delivering a mixed set of numbers. While the revenue saw healthy growth, the bottom line faced significant pressure due to increased provisions and expenses. Here’s a detailed breakdown of the bank’s quarterly and full-year performance.

    Key Highlights of IDFC First Bank Q4 FY25 Financial Results

    The bank witnessed strong revenue growth in the March 2025 quarter, primarily driven by robust interest earnings and other income. However, profitability took a sharp hit due to rising expenses and provisions.

    Performance Summary:

    • Interest Earned: Rose 14.52% year-on-year to ₹94,129.40 million, compared to ₹82,192.10 million in Q4 FY24.

    • Other Income: Increased by 15.43% to ₹18,954.10 million, reflecting diversification beyond traditional banking income.

    • Interest Expended: Jumped 20.14% to ₹45,057.80 million, indicating higher borrowing and funding costs.

    • Operating Expenses: Increased by 12.23% to ₹49,909.60 million, hinting at expansion activities or administrative cost escalations.

    • Operating Profit: Remained at zero, similar to the previous year’s performance.

    IDFC First Bank Q4 FY25 Financial Statement (₹ in Million)

    Particulars Q4 FY25 (₹ Million) Q4 FY24 (₹ Million) % Change
    Interest Earned 94,129.40 82,192.10 14.52%
    Other Income 18,954.10 16,420.00 15.43%
    Interest Expended 45,057.80 37,503.40 20.14%
    Operating Expenses 49,909.60 49,909.60 12.23%
    Provision & Contingencies 14,504.70 7,223.10 100.81%
    Tax 570.60 2,172.50 -73.74%
    Profit After Tax (PAT) 3,040.80 7,243.50 -58.02%
    Equity 73,221.10 70,699.90 3.57%
    Operating Profit Margin (OPM) 19.25% 20.24% -4.93%

    Profitability Under Pressure

    Despite higher revenues, profitability took a hit due to a surge in provisions:

    • Provisions and Contingencies: Shot up by 100.81% to ₹14,504.70 million.

    • Profit After Tax (PAT): Fell sharply by 58.02% to ₹3,040.80 million, compared to ₹7,243.50 million in Q4 FY24.

    • Operating Profit Margin (OPM): Slightly decreased to 19.25%, down from 20.24% year-on-year.

    Full Year FY25 Financial Overview

    Over the full financial year, the bank continued to show top-line growth but struggled on the profitability front.

    Annual Performance Metrics

    • Total Interest Earned: ₹365,014.90 million, up 20.38% year-on-year.

    • Other Income: ₹70,217.10 million, showing a 16.99% increase.

    • Interest Expended: Rose by 24.06%, outpacing interest earned.

    • Provisions and Contingencies: Soared by 131.55%, indicating a more conservative approach to risk management.

    • Profit After Tax (PAT): Dropped 48.42% to ₹15,248.50 million, compared to ₹29,565.10 million in FY24.

    • Equity Base: Grew marginally by 3.57% to ₹73,221.10 million.

    Analyst’s View: Cautious Optimism Amid Challenges

    IDFC First Bank’s Q4 FY25 results reflect a story of strong top-line momentum clouded by rising costs and cautious provisioning. Here’s a closer analysis:

    Strengths:

    • Solid growth in interest and non-interest income.
    • Stable equity base.

    Challenges:

    • Escalating interest expenses.
    • Higher provisions denting profitability.
    • Drop in operating margins.

    The bank’s proactive provisioning signals a cautious stance in the face of macroeconomic uncertainties, which could bode well for long-term stability.

    Investor Insight:

    Going forward, investors should closely track:

    • Asset quality indicators.
    • Provisioning trends.
    • Efforts to manage rising costs and improve profitability.

    A recovery in profitability will largely depend on the bank’s ability to manage asset quality without letting expenses spiral further.

    Final Thoughts

    IDFC First Bank’s Q4 FY25 results highlight the bank’s revenue strength but also underscore the growing pressure on its profitability. With a conservative approach towards risk management and a stable equity base, the bank appears to be preparing itself for future uncertainties. Investors would do well to stay vigilant on key metrics like provisioning, interest expenses, and asset quality trends in the coming quarters.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • The India Cements Q4 FY25 Result: Net Loss Widens by 157.96% | Revenue Falls 3.87%

    The India Cements Q4 FY25 Result: Net Loss Widens by 157.96% | Revenue Falls 3.87%

    The India Cements Ltd announced its financial results for the fourth quarter ended March 2025, reflecting a challenging operational performance. The company continued to face headwinds from declining sales and margin pressures, resulting in a significantly wider net loss.

    Key Highlights

    The fourth quarter results showcased a mix of operational challenges and cost-saving efforts. Despite lower finance costs, persistent sales and margin pressures weighed heavily on the overall performance.

    Performance Summary:

    • Revenue: Declined by 3.87% to ₹11,971.30 million, compared to ₹12,453.80 million in Q4 FY24.

    • Operating Profit (PBIDT): Fell sharply by 66.41% year-on-year to ₹240.30 million from ₹715.30 million, mainly due to lower sales volume and margin compression.

    • Interest Costs: Reduced by 25.31% to ₹476 million, indicating cost optimization efforts.

    • Other Income: Slightly fell by 4.58% to ₹235.40 million from ₹246.70 million in the same quarter last year.

    The India Cements Q4 FY25 Financial Statement (₹ in Million)

    Particulars Q4 FY25 (₹ Million) Q4 FY24 (₹ Million) % Change
    Sales 11,971.30 12,453.80 -3.87%
    Other Income 235.40 246.70 -4.58%
    PBIDT 240.30 715.30 -66.41%
    Interest 476.00 637.30 -25.31%
    PBT -1,011.30 -329.10 -207.29%
    PAT -756.60 -293.30 -157.96%
    PBIDT Margin (%) 2.01% 5.74% -65.05%

    Losses Deepen Despite Cost Controls

    While India Cements managed to reduce its finance costs, weak operational performance dragged its profitability further down:

    • Pre-Tax Loss (PBT): Expanded sharply to ₹1,011.30 million, a 207.29% rise compared to a loss of ₹329.10 million in Q4 FY24.

    • Net Loss (PAT): Widened significantly to ₹756.60 million from ₹293.30 million in the previous year’s quarter, marking a 157.96% increase.

    • PBIDT Margin: Weakened to 2.01% in Q4 FY25, down from 5.74% in Q4 FY24, reflecting a steep 65.05% decline.

    Full Year FY25 Financial Overview

    The full-year numbers paint a similar picture of declining revenues and escalating losses.

    Annual Performance Metrics:

    • Total Revenue: Dropped by 17.28% year-on-year to ₹40,884.70 million.

    • Annual Net Loss: Increased sharply to ₹6,675.60 million, compared to a loss of ₹2,025.20 million in FY24.

    The company’s operational margin deterioration and higher depreciation expenses contributed significantly to the worsening bottom line.

    Analyst’s View: Tough Road Ahead

    The India Cements Ltd faces substantial operational challenges that will require urgent strategic responses. Here’s a closer analysis:

    Strengths:

    • Lower finance costs signal active efforts towards cost rationalization.

    Challenges:

    • Persistent revenue decline.
    • Margin pressure leading to operating profit shrinkage.
    • Widening losses despite some cost-saving measures.

    Investor Insight:

    Recovery will likely depend on:

    • Revival in cement demand.

    • Aggressive cost control initiatives.

    • Strategic moves to improve sales volumes and operational efficiency.

    Management’s ability to stabilize margins and boost demand recovery will be critical for the company’s financial turnaround in the coming quarters.

    The Bottom Line

    The India Cements Ltd’s Q4 FY25 results underline the tough operating environment it continues to face. With lower sales, shrinking margins, and escalating losses, the road to recovery appears steep. Sustained demand improvement and stronger operational strategies will be key drivers if the company aims for a financial rebound.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • Persistent Systems Q4 FY25 Results: Net Profit Jumps 56%, Revenue Soars 95%

    Persistent Systems Q4 FY25 Results: Net Profit Jumps 56%, Revenue Soars 95%

    Persistent Systems Ltd delivered an exceptional performance in Q4 FY25, reflecting strong operational momentum and a sharp rise in profitability. The company reported a significant revenue jump and robust improvement across most financial metrics, signaling solid business fundamentals and consistent demand.

    Result Summary:

    • Revenue up 95.45% YoY
    • Net Profit up 56.36% YoY
    • Operating Profit up 39.66% YoY
    • Other Income down 54.52% YoY
    • Margins slipped to 13.23% from 18.51%

    Persistent Systems Q4 FY25 Financial Highlights (₹ in Million)

    Metric Q4 FY25 (₹ Mn) Q4 FY24 (₹ Mn) % Change YoY
    Sales 31,875.51 16,309.02 95.45%
    Other Income 160.00 351.82 -54.52%
    Operating Profit (PBIDT) 4,215.78 3,018.69 39.66%
    Net Profit (PAT) 2,876.40 1,839.57 56.36%
    PBIDT Margin 13.23% 18.51% -28.55%

    Revenue Surges by 95.45%

    The topline for the quarter ended March 2025 stood at ₹31,875.51 million, marking a massive 95.45% YoY growth compared to ₹16,309.02 million in Q4 FY24. This growth highlights the company’s strong execution and expansion across service lines and geographies.

    Profitability Expands Across the Board

    • Operating Profit (PBIDT) rose by 39.66%, reaching ₹4,215.78 million, compared to ₹3,018.69 million in the same quarter last year. This reflects improved cost efficiency and better realization on projects.
    • Net Profit (PAT) jumped by an impressive 56.36% to ₹2,876.40 million, up from ₹1,839.57 million in Q4 FY24. This jump can be attributed to strong operating leverage and disciplined financial management.

    Interest and Depreciation

    Interest expenses increased sharply by 263.15% YoY to ₹147.33 million, likely due to borrowings or leasing obligations. Depreciation expenses also grew moderately by 13.73% YoY to ₹470.80 million.

    Taxation Trends

    Tax expenses remained stable at ₹721.25 million compared to ₹724.58 million last year, while deferred tax moved into a credit of ₹26.36 million against a debit of ₹34.37 million earlier.

    Margins Under Pressure

    Despite the strong growth, PBIDT margins for the quarter contracted to 13.23% from 18.51%, mainly due to rising costs and a drop in other income, which fell by 54.52%.

    Persistent Systems has demonstrated impressive growth in Q4 FY25. However, investors may want to keep an eye on the declining margins and rising finance costs, which may impact profitability if the trend continues.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • Hindustan Unilever Q4 FY25 Results: Net Profit Up 3.62%, Revenue Grows 2.4%

    Hindustan Unilever Q4 FY25 Results: Net Profit Up 3.62%, Revenue Grows 2.4%

    Hindustan Unilever Ltd (HUL), a household name in India’s FMCG space, posted its Q4 results for the financial year 2024-25, showing modest yet consistent growth across key financial parameters.

    Result Summary:

    • Revenue (Sales) rose by 2.4% YoY to ₹1,52,140 million from ₹1,48,570 million.

    • Other Income jumped by 35.91% YoY to ₹2,990 million.

    • Operating Profit (PBIDT) increased by 3.01% YoY to ₹37,650 million.

    • PBIDT Margin stood at 24.75%, marginally up from 24.60%.

    • Interest cost reduced by 26.47% to ₹750 million.

    • Profit Before Tax (PBT) improved by 3.30% to ₹33,540 million.

    • Net Profit (PAT) rose by 3.62% YoY to ₹24,930 million from ₹24,060 million.

    • Depreciation increased by 8.30% to ₹3,130 million.

    • Tax expense slightly increased by 2.38% to ₹8,610 million.

    • Deferred Tax showed a shift to ₹390 million from -₹130 million last year.

    • Equity capital remained unchanged at ₹2,350 million.

    HUL Q4 FY25 Financial Highlights (₹ in Million)

    Particulars Q4 FY25 Q4 FY24 YoY Change (%)
    Sales152140.00148570.002.40
    Other Income2990.002200.0035.91
    PBIDT37650.0036550.003.01
    Interest750.001020.00-26.47
    PBDT36670.0035360.003.70
    Depreciation3130.002890.008.30
    PBT33540.0032470.003.30
    Tax8610.008410.002.38
    Deferred Tax390.00-130.00-400.00
    PAT24930.0024060.003.62
    PBIDT Margin (%)24.7524.600.59

    Revenue Trends

    For Q4 FY25, the total revenue stood at ₹1,52,140 million, up by 2.4% compared to ₹1,48,570 million in the same quarter last year. This marginal rise suggests steady consumer demand in a challenging environment. Other income also rose sharply by 35.91% to ₹2,990 million from ₹2,200 million in Q4 FY24.

    Operating Performance

    The company reported an operating profit (PBIDT) of ₹37,650 million, registering a 3.01% increase from ₹36,550 million in the previous year’s same quarter. This reflects efficient cost control and a strong operating model. The PBIDT margin improved slightly to 24.75% from 24.60%.

    Profit Before Tax and Net Profit

    HUL recorded Profit Before Tax (PBT) of ₹33,540 million, up 3.28% from ₹32,470 million in Q4 FY24. Depreciation costs rose to ₹3,130 million, while interest costs declined by 26.47%, indicating better treasury management.

    Net Profit (PAT) for the quarter reached ₹24,930 million, growing by 3.62% year-on-year. This improvement signals strong bottom-line growth despite economic uncertainties and inflationary pressures.

    Year-to-Date Performance

    For the financial year FY25, HUL generated ₹6,14,690 million in revenue, with a 1.65% growth over FY24. The annual net profit reached ₹1,06,440 million, marking a 5.24% rise from the previous year’s ₹1,01,140 million. The company maintained a healthy operating margin throughout the year.

    The Bottom Line

    HUL has maintained stable growth in revenue while delivering consistent profitability. The improvement in operating margins, control over finance costs, and a rise in other income have all contributed to stronger earnings. With continued focus on innovation, cost optimization, and strong brand positioning, HUL is well-placed to navigate upcoming quarters.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.

  • Viji Finance Q4 FY25 Results: Net Profit Soars 33,900%, PBIDT Up 562%

    Viji Finance Q4 FY25 Results: Net Profit Soars 33,900%, PBIDT Up 562%

    Viji Finance Ltd has reported an impressive turnaround in its Q4 FY25 performance, showcasing a significant jump in profitability and operational efficiency.

    Result Summary:

    • Net Profit (PAT) surged to ₹6.80 million from just ₹0.02 million in Q4 FY24. That’s a staggering 33,900% growth, indicating a strong recovery in business performance.
    • Sales revenue grew by 7.83%, rising to ₹5.92 million from ₹5.49 million in the same quarter last year.
    • The company earned ₹4.44 million in other income, a dramatic increase from ₹0.02 million – suggesting gains from non-core operations like investments or asset sales.
    • Profit Before Interest, Depreciation, and Tax (PBIDT) jumped by 562.07%, reaching ₹9.60 million compared to ₹1.45 million in Q4 FY24.
    • Profit Before Tax (PBT) stood at ₹7.34 million, sharply up from just ₹0.01 million, reflecting an unmatched 733000% increase.
    • Despite higher interest costs, which rose by 150.91% to ₹1.38 million, the overall profitability saw robust improvement due to strong income growth and better operational leverage.
    • The PBIDT margin also saw a notable improvement, expanding from 26.41% to 162.16%, indicating better cost control and improved income mix.
    Metrics Q4 FY25 (₹ in Millions) Q4 FY24 (₹ in Millions) % Change
    Sales 5.92 5.49 7.83%
    Other Income 4.44 0.02 22100%
    PBIDT 9.60 1.45 562.07%
    Interest 1.38 0.55 150.91%
    PBT 7.34 0.01 733000%
    TAX 0.54 -0.01 -5500%
    PAT 6.80 0.02 33900%
    PBIDT Margin (%) 162.16% 26.41% 513.98%

    Year-to-Date & Annual View

    • For the full year ending March 2025, PAT rose by 38.84% to ₹1.68 million, compared to ₹1.21 million in FY24.
    • Annual Sales grew by 20.78%, while Other Income shot up to ₹6.04 million from ₹0.02 million – underlining the company’s ability to generate returns beyond its core lending business.
    • PBIDT for the year stood at ₹10.31 million, marking a 40.08% growth, and PBT increased to ₹2.16 million from ₹2.01 million.

    Final Thoughts

    Viji Finance Ltd has delivered a solid set of numbers in Q4 FY25. The huge spike in net profit and operational margins indicates an efficient financial strategy. The rise in other income might not be recurring, but it definitely contributed positively to the quarter. Moving forward, if the company continues to scale its lending business and keeps costs in check, profitability could stay strong.

    Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.