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Muthoot Finance Limited Q4 FY25 earnings call summary

NSE: MUTHOOTFIN · BSE: 533398

Earnings call of 14 May 2025, summarised by AI from the filing.

Muthoot Finance reports highest ever consolidated loan AUM of ₹1,22,000 cr and gold loan AUM of ₹1,02,956 cr, guides 15% growth for this year.

Key takeaways

  1. Gold loan AUM ₹1,02,956 cr, crossing ₹1,00,000 cr milestone, with year-on-year growth of ₹30,000 cr (41%).
  2. Growth guidance Management guides minimum 15% growth for this year, may revise after Q2.
  3. Stage-III decline Stage-III gold loan declined to ₹3,347 cr in March from ₹3,700-plus cr in December.
  4. Market widening More people monetizing gold ornaments attracts new players; market widening.
  5. Regulatory risk Draft LTV tweaks may push customers to unorganized sector; representation made to RBI.

Original filing on BSE

Muthoot Finance Limited Q1 FY27 results

As filed: Revenue ₹8,672 cr (+34% year on year), EBITDA ₹7,264 cr (+45% year on year), PAT ₹2,825 cr (+43% year on year), EBITDA margin 83.8% (+611 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹9,289 cr (+65% year on year), EBITDA ₹7,761 cr (+92% year on year), PAT ₹3,397 cr (+135% year on year), EBITDA margin 83.6% (+1,000 bps). Score 92 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 1000 bps year on year. Share price after the results: −13.8% in 29 days (Nifty 500: −0.1%).
  • Q3 FY26: Revenue ₹8,188 cr (+58% year on year), EBITDA ₹6,730 cr (+78% year on year), PAT ₹2,823 cr (+103% year on year), EBITDA margin 82.2% (+927 bps). Score 94 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 927 bps year on year. Share price after the results: −18.0% in 29 days (Nifty 500: −9.6%).
  • Q2 FY26: Revenue ₹7,283 cr (+48% year on year), EBITDA ₹5,803 cr (+61% year on year), PAT ₹2,412 cr (+83% year on year), EBITDA margin 79.7% (+654 bps). Score 93 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 654 bps year on year. Share price after the results: +13.1% in 29 days (Nifty 500: −0.4%).
  • Q1 FY26: Revenue ₹6,450 cr (+44% year on year), EBITDA ₹5,009 cr (+54% year on year), PAT ₹1,974 cr (+65% year on year), EBITDA margin 77.7% (+506 bps). Score 97 of 100, Above trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin rose 506 bps year on year. Share price after the results: +16.6% in 30 days (Nifty 500: +2.2%).
  • Q4 FY25: Revenue ₹5,622 cr (+35% year on year), EBITDA ₹4,047 cr (+33% year on year), PAT ₹1,444 cr (+22% year on year), EBITDA margin 72.0% (−109 bps). Score 76 of 100, Above trend. Revenue and profit growth were above the company's own trend; EBITDA growth was well above it. EBITDA margin fell 109 bps year on year. Revenue rose ₹1,458 cr on a year ago, more than the ₹889 cr it added the year before. Share price after the results: +15.0% in 30 days (Nifty 500: +1.8%).
  • Q3 FY25: Revenue ₹5,190 cr (+36% year on year), EBITDA ₹3,785 cr (+28% year on year), PAT ₹1,392 cr (+22% year on year), EBITDA margin 72.9% (−422 bps). Score 64 of 100, In line with trend. Revenue growth was well above the company's own trend; EBITDA and profit growth were above it. EBITDA margin fell 422 bps year on year. Revenue rose ₹1,370 cr on a year ago, more than the ₹810 cr it added the year before.
  • Q2 FY25: Revenue ₹4,929 cr (+37% year on year), EBITDA ₹3,605 cr (+29% year on year), PAT ₹1,321 cr (+21% year on year), EBITDA margin 73.1% (−454 bps). Score 66 of 100, Above trend. EBITDA margin fell 454 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Muthoot Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.