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

Written by: Kusum KumariUpdated on: 27 May 2025, 5:18 pm IST
Muthoot Fincorp Q4FY25 earnings profit fell 20% YoY to ₹192 crore, but AUM surged 46% to ₹32,055 crore. FY25 profit rose 40% YoY to ₹787 crore on higher gold loan demand.
Muthoot Fincorp Q4 FY25 Earnings Results: Net Profit Drops 20% YoY Despite Strong AUM Growth
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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.

 

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.       

 

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.    


 

Published on: May 27, 2025, 11:48 AM IST

Kusum Kumari

Kusum Kumari is a Content Writer with 4 years of experience in simplifying financial market concepts. Currently crafting insightful content at Angel One, She specialise in breaking down complex topics into easy-to-understand pieces, blending expertise in market fundamentals and technical analysis.

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