Finance company Paisalo Digital announced Q4FY25 results Highest ever AUM as at Q4FY25 was up 14.10% at Rs 52,328 million as against Q4FY24 at Rs 45,860 million. The company successfully issued its First Foreign Currency Convertible Bonds (FCCBs) amount to USD 50million approximately Rs 4,230 million) in FY25, and USD 2 million has been converted into share capital. In Q4, the company added a highest ever 1.52 million customers to its franchise. In FY25, the company has added highest ever record 5.16 million customers to its customer franchise. Total Customer franchise stood at 9.45 million as of Q4FY25 as compared to 4.29 million as of Q4FY24. Total geographic footprint as at FY25 stood at to 3,565 touchpoints across 22 states as compared to 2,455 touchpoints. In Q4, the company added 27 new touch points. As at FY25 the touchpoints split is 351 Branches, 1900 Distribution Points and 1314 CSPs. The company continues to protect its margin profile, Interest Income for Q4FY25 was up 17% at Rs 7,711 million as against Rs 6,587 million in Q4FY24. The company has posted 11.26% increase in PBT and 11.82% increase in PAT YoY. The Board of Directors have recommended a dividend of 10% i.e Re. 0.10 per equity share of face value of Re. 1.00 each for FY25. The dividend recommended by the Board of Directors is subject to approval of members of the company at ensuing AGM of the company. GNPA and NNPA stood at 0.99% and 0.76% as at Q4FY25 compared to 0.21% and 0.02% as at Q4FY24. The company is continuing to augment its debt management infrastructure as a mitigation measure. The company is proactively pruning as required. Paisalo has written off bad debts totaling to Rs 508 million and has recovered old written off bad debts worth Rs 366 million as at Q4FY25. Employee head count stood at 3,178 as at Q4FY25. The company added 769 employees in FY25. The company continues to optimize its operating expenses and improve productivity. Business transformation has entered Phase 3 and AI transformation is progressing well. The Tangible Networth is Rs 15,257 million versus Bank Borrowings (secured) Rs 22,982 million, i.e., 1.51 times. In Q4FY25, the company delivered annualized RoE of 12.96% as against 13.4% in Q4FY24. In Q4FY25, the company delivered annualized RoA of 3.89% as against 4.53% in Q4FY24. Capital Adequacy Ratio remained strong at 39.1. Result PDF