Muthoot Finance's Q4 FY 2025-26 Quarterly Results

Result Summary

• Muthoot Finance Ltd reported a 12.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 64.4%.
• Its expenses for the quarter were up by 5.7% QoQ and 34.2% YoY.
• The net profit increased 20.3% QoQ and increased 135.3% YoY.
• The earnings per share (EPS) of Muthoot Finance Ltd stood at 83.43 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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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 non-banking financial company (NBFC) in India, primarily engaged in providing personal loans secured by gold jewelry, or gold loans. The company operates predominantly in the financial services industry, focusing on gold loan products to cater to its customer base. It targets individuals and small businesses, providing short-term secured credit solutions. Muthoot Finance has established a robust network of branches across India, enabling easy access to its services. The company has consistently adapted to market changes, ensuring it remains a significant player in the NBFC sector. Any recent major developments specific to Muthoot Finance Ltd beyond October 2023 are not available for this report.

Revenue

In Q4FY26, Muthoot Finance Ltd reported a total income of ₹9291.36 crores, marking a significant increase from ₹8239.21 crores in Q3FY26 and ₹5652.94 crores in Q4FY25. This represents a quarter-over-quarter (QoQ) growth of 12.8% and a year-over-year (YoY) growth of 64.4%. The substantial YoY increase in revenue underscores a strong performance relative to the previous financial year's same quarter. Such growth patterns indicate a robust increase in the company's income streams over the examined periods.

Profitability

The company's Profit Before Tax (PBT) for Q4FY26 stood at ₹4584.15 crores, compared to ₹3822.46 crores in Q3FY26 and ₹1932.20 crores in Q4FY25. This indicates a 19.9% QoQ growth and a remarkable 137.3% YoY growth. After accounting for taxes, the Profit After Tax (PAT) was ₹3397.48 crores in Q4FY26, up from ₹2823.48 crores in Q3FY26 and ₹1443.93 crores in Q4FY25, demonstrating a 20.3% QoQ increase and a 135.3% YoY rise. These figures reflect a significant enhancement in the company's profitability. The tax expense for Q4FY26 was ₹1186.68 crores, a rise from ₹998.98 crores in the previous quarter and ₹488.27 crores YoY, showing an 18.8% QoQ increase and a 143.0% YoY increase.

Operating Metrics

The Earnings Per Share (EPS) for Muthoot Finance Ltd in Q4FY26 was ₹83.43, indicating an increase from ₹69.84 in Q3FY26 and ₹36.81 in Q4FY25. This represents a 19.5% QoQ growth and a 126.7% YoY growth in EPS, highlighting the company's ability to generate higher earnings for its shareholders compared to previous periods. Total expenses for the quarter were reported at ₹4438.79 crores, reflecting an increase from ₹4200.24 crores in Q3FY26 and ₹3307.20 crores in Q4FY25, with a 5.7% QoQ and a 34.2% YoY rise. These metrics are crucial for understanding the company's operational efficiency and cost management over the reported periods.