Muthoot Fincorp Q4 FY25 Earnings Results: Net Profit Drops 20% YoY Despite Strong AUM Growth

Muthoot Fincorp, a leading gold loan-focused NBFC, posted a net profit of ₹192 crore for the fourth quarter of FY25, marking a 20% year-on-year decline. This compares to a profit of ₹240 crore in the same quarter of the previous fiscal year.

Despite the profit drop, revenue for Q4FY25 grew significantly to ₹1,479 crore, up from ₹1,197 crore a year ago.

Assets Under Management (AUM) Grows Sharply

The company’s assets under management (AUM) rose sharply by 46% YoY, reaching ₹32,055 crore, compared to ₹21,923 crore in the year-ago quarter. This growth highlights the rising demand for gold-backed loans.

Muthoot Fincorp FY25 Performance 

For the full financial year 2024-25, Muthoot Fincorp reported a 40% increase in net profit at ₹787 crore, up from ₹563 crore in FY24. Annual revenue also rose to ₹5,551 crore from ₹4,016 crore in the previous fiscal year.

Muthoot Fincorp Q3FY25 Highlights

In Q3FY25, the company reported a net profit of ₹1,389 crore, up 26% from ₹1,104 crore in Q3FY24. Revenue jumped 36% to ₹5,190 crore, while interest income surged to ₹5,067 crore. The NBFC’s total consolidated loan AUM touched an all-time high of ₹1.11 lakh crore, with gold loan assets growing by ₹6,800 crore by the end of FY25.

Read More, ITC Final Divided Record Date on May 28: What It Means for Shareholders?  

Muthoot Fincorp Share Price Performance

Muthoot Fincorp share price has delivered mixed returns recently. It rose 1.9% in the past 5 days but fell 1.75% over the last month. Over 6 months, the stock has gained 8%, and in the past 1 year, it delivered a 23% return.

Conclusion

While Muthoot Fincorp saw a dip in Q4 profit, the strong growth in revenue and AUM reflects continued demand for gold loans. The company’s solid full-year performance and expanding loan book suggest long-term growth momentum remains intact.

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