Muthoot Finance Ltd's Q4FY25 Quarterly Results

Result Summary

• Muthoot Finance Ltd reported a 20.0% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 26.7%.
• Its expenses for the quarter were down by 18.0% QoQ and up 28.6% YoY.
• The net profit decreased 15.0% QoQ and increased 17.1% YoY.
• The earnings per share (EPS) of Muthoot Finance Ltd stood at 28.4 during Q4FY25.

Financial Statments for Q4FY25

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Muthoot Finance Ltd is a leading financial services company based in India, primarily engaged in the business of providing personal and business loans secured by gold jewelry, commonly known as gold loans. As one of the largest gold financing companies in India, Muthoot Finance caters to a diverse customer base, offering financial solutions that include personal loans, housing loans, and microfinance, among others. The company operates in the non-banking financial company (NBFC) sector and has a significant presence across the country with an extensive network of branches. The company has been pivotal in providing quick liquidity solutions to its customers through its core gold loan product. There are no recent major developments available in the provided data.

Revenue

During the fourth quarter of the fiscal year 2025 (Q4FY25), Muthoot Finance Ltd reported a total income of ₹4179.42 crores. This represents a 20.0% decrease in revenue when compared to the previous quarter, Q3FY25, which was ₹5221.69 crores. However, on a year-over-year basis, there was a 26.7% increase compared to Q4FY24, where the total income was ₹3298.36 crores. The revenue figures indicate fluctuations both quarterly and annually, reflecting the dynamics of the company's operational environment and market conditions during these periods.

Profitability

For Q4FY25, the company reported a Profit Before Tax (PBT) of ₹1585.18 crores, which is a 16.0% decline compared to the previous quarter's figure of ₹1886.32 crores, but a 17.0% increase from the same quarter in the prior year, Q4FY24, where the PBT was ₹1354.88 crores. The Profit After Tax (PAT) for Q4FY25 was ₹1182.27 crores, marking a decrease of 15.0% from Q3FY25's ₹1391.54 crores, yet an increase of 17.1% from Q4FY24's ₹1009.26 crores. The tax expense for Q4FY25 was ₹402.90 crores, which decreased by 18.6% from Q3FY25 and increased by 16.6% compared to Q4FY24. These profitability metrics reflect the company's financial performance and tax obligations over the specified periods.

Operating Metrics

The total expenses incurred by Muthoot Finance Ltd in Q4FY25 amounted to ₹2386.01 crores, which is a decrease of 18.0% from the previous quarter, Q3FY25, where expenses were ₹2908.51 crores. However, this figure represents a 28.6% increase when compared to Q4FY24's total expenses of ₹1855.69 crores. The Earnings Per Share (EPS) for Q4FY25 was ₹28.40, showing a 19.8% decline from Q3FY25's EPS of ₹35.40, but a 16.9% increase from Q4FY24's EPS of ₹24.30. These operating metrics provide insights into the company's cost management and earnings distribution over the quarters.