MUTHOOTFIN

Q4FY25 Standalone Results

standalone performance in Q4 FY25 was robust, with net profit rising 42.7% YoY to ₹1,508 crore, up from ₹1,056 crore in Q4 FY24, reflecting strong loan demand amidst record-high gold prices. Revenue grew to ₹4,854 crore in Q4 FY25 from ₹3,409 crore in Q4 FY24 and ₹2,853 crore in Q4 FY23, indicating healthy disbursements. Net Interest Income surged 36% YoY to ₹2,904 crore from ₹2,135 crore a year ago, supported by rising loan book momentum. On a full-year basis, FY25 standalone revenue reached ₹17,099 crore, a significant rise from ₹12,635 crore in FY24 and ₹10,515 crore in FY23. FY25 net profit stood at ₹5,201 crore, up from ₹4,050 crore in FY24 and ₹3,474 crore in FY23. The company’s financing profit in Q4 FY25 improved to ₹2,009 crore, up from ₹1,434 crore in Q4 FY24, while full-year financing profit touched ₹7,091 crore, compared to ₹5,455 crore last year. Gross NPA declined to 3.41% in Q4 FY25 from 3.98% in Q4 FY24, indicating improved asset quality. EPS rose to ₹37.56 in Q4 FY25 from ₹26.31 in Q4 FY24 and touched ₹129.54 for FY25, up from ₹100.87 in FY24. Loan AUM jumped 43% YoY to ₹1.09 lakh crore as of March-end, as borrowers turned to gold loans amid tightening in unsecured lending. While the company showed consistent growth, analysts will monitor how margin pressure (at 41% vs 43% YoY) and asset quality trend in a competitive lending landscape. Follow me for more such posts, Thank You! Disclaimer: This post is for informational purposes only and not a recommendation to buy or sell any securities. I, or my family, associates, or relatives, may have a financial interest in the securities mentioned.