Muthoot Finance Limited (MUTHOOTFIN) Financial Results —

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Investor Takeaways

Consolidated AUM reached INR 1,65,000 crores, up 54% YoY, driven by gold loan disbursement growth and new branches.

Consolidated profit after tax rose 98% YoY to INR 10,607 crores, supported by strong branch expansion and high-ticket loan growth.

300% dividend declared (INR 30 per share), reflecting confidence in sustainable yield of 18.5-20%.

Belstar Microfinance expanded to 1300 branches with 99.85% collection efficiency; 200-300 new Muthoot Finance branches and 200 gold branches planned.

Customer base grew to 4.68 lakh, with high-ticket loans (exceeding INR 3 lakh) comprising 32% of portfolio.

Overall Tone: Positive

Key Financial Highlights

Metric	Value	YoY Change
Revenue	Not available	N/A
Net Profit	₹10,607 Cr	+98%
EBITDA	Not available	N/A
EPS	Not available	N/A
OPM	Not available	N/A

What Changed

Muthoot Finance reported consolidated AUM of INR 1,65,000 crores, up 54% YoY, driven by robust gold loan disbursement growth and strategic branch expansion. Consolidated profit after tax surged 98% YoY to INR 10,607 crores, reflecting improved operational efficiency and higher loan book growth. The company declared a 300% dividend (INR 30 per share), underscoring confidence in sustainable yield of 18.5-20%. Belstar Microfinance expanded to 1300 branches with 99.85% collection efficiency, while management plans to open 200-300 new Muthoot Finance branches and 200 gold branches for Belstar. Customer base grew to 4.68 lakh, with high-ticket loans (exceeding INR 3 lakh) comprising 32% of the portfolio. Quarterly trends show consistent profit growth, with Q3FY25 profit at ₹1,391.55 Cr and OPM stable at 72.92%.

Peer Comparison

Company	P/E	ROE	ROCE	Market Cap (₹ Cr)
Muthoot Finance Limited	26.62	Not available	Not available	1,32,942.27
HDFC Bank Limited	15.5	14.3%	24.4%	1,18,1607.38
ICICI Bank Limited	15.47	N/A	N/A	8,92,242
State Bank of India	10.44	N/A	N/A	8,89,093.09

Muthoot Finance trades at a premium P/E of 26.62 compared to peers' 10.44–15.5, reflecting market expectations of higher growth. ROE and ROCE data are not provided for peers, limiting direct comparison.

Risks & Concerns

No specific risks identified in the filing; expansion plans and dividend declaration are presented as confident moves.

Market volatility in gold prices could impact loan disbursement growth, though not mentioned as a current concern.

Quarterly Trend

Quarter	Revenue (₹ Cr)	Net Profit (₹ Cr)	OPM%
Q3FY25	5,189.73	1,391.55	72.92
Q2FY25	4,928.82	1,321.22	73.14
Q1FY25	4,473.86	1,195.66	72.59
Q4FY24	4,163.80	1,182.27	73.08

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About Muthoot Finance Limited (MUTHOOTFIN)

Financial Services · Finance · Listed on NSE

Market Cap: ₹1,32,942.27 Cr P/E: 26.6

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

Muthoot Finance Limited (MUTHOOTFIN) — Financial Results