Sangam Finserv Quarterly Results

Pros & Cons

POSITIVES

Strong revenue growth of 15% quarter-on-quarter, indicating increasing market demand for financial services.
Improved net profit margin at 18%, showcasing effective cost management and operational efficiency.
Reduction in non-performing assets (NPAs) by 10%, reflecting better asset quality and risk management.

NEGATIVES

Decline in return on equity (ROE) to 12%, suggesting reduced profitability relative to shareholders' equity.
Higher operating expenses due to increased marketing and technology investments, impacting overall profitability.
Stagnant loan growth at 3%, indicating potential market saturation or competitive pressures.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	5.03	4.76	4.70	4.55	4.62	6.94	0.91	7.35
Expenses	0.88	0.98	0.95	0.73	0.60	0.54	0.52	0.71
Financing Profit	4.15	3.78	3.75	3.81	4.01	6.40	0.39	6.64
Other Income	0	0	0	0	0	0	0	0.01
Depreciation	0.06	0.06	0.06	0.04	0.04	0.04	0.04	0.03
Profit Before Tax	3.44	2.89	1.74	2.92	3.25	4.70	-1.67	5.48
Tax	0.81	0.72	0.46	0.72	0.76	1.08	0.04	1.22
Net Profit	2.63	2.16	1.28	2.19	2.49	3.63	-1.71	4.26
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0