Muthoot Finance Ltd. Q3 FY2025 results: revenue ₹5,190 crore, up 35.9% on the year
Muthoot Finance Ltd. (MUTHOOTFIN) reported consolidated revenue from operations of ₹5,190 crore for Q3 FY2025, the quarter ended 31 December 2024, up 35.9% on the same quarter a year earlier. Profit after tax was ₹1,392 crore, up 21.5% on the year, and earnings per share ₹35.36. The figures are the company's own, from the unaudited results it filed with NSE on 13 February 2025.
The quarter, against the one before and a year earlier
| Line | Q3 FY2025 | Q2 FY2025 | Q3 FY2024 | Change on the year |
|---|---|---|---|---|
| Revenue from operations | 5,190 | 4,929 | 3,820 | +35.9% |
| Other income | 32 | 29 | 23 | +41.0% |
| Total income | 5,222 | 4,957 | 3,843 | +35.9% |
| Cost of materials consumed | 0 | 0 | 0 | n/a |
| Purchases of stock-in-trade | 0 | 0 | 0 | n/a |
| Changes in inventories | 0 | 0 | 0 | n/a |
| Employee benefit expense | 580 | 530 | 437 | +32.7% |
| Finance costs | 1,900 | 1,807 | 1,412 | +34.5% |
| Depreciation, depletion and amortisation | 31 | 25 | 24 | +26.8% |
| Other expenses | 398 | 374 | 329 | +21.1% |
| Total expenses | 3,335 | 3,156 | 2,308 | +44.5% |
| Profit before exceptional items and tax | 1,886 | 1,802 | 1,534 | +22.9% |
| Exceptional items | 0 | 0 | 0 | n/a |
| Profit before tax | 1,886 | 1,802 | 1,534 | +22.9% |
| Current tax | 470 | 498 | 401 | +17.3% |
| Deferred tax | 24 | -17 | -12 | n/a |
| Total tax | 495 | 481 | 389 | +27.2% |
| Profit after tax | 1,392 | 1,321 | 1,145 | +21.5% |
| Attributable to owners of the parent | 1,389 | 1,272 | 1,104 | +25.9% |
| Other comprehensive income | -42 | 55 | 31 | n/a |
| Total comprehensive income | 1,350 | 1,377 | 1,176 | +14.7% |
| EPS, basic | ₹35.36 | ₹31.67 | ₹27.49 | +28.6% |
| EPS, diluted | ₹35.36 | ₹31.67 | ₹27.49 | +28.6% |
₹ crore except per share.
Quarterly results, the last 12 quarters
| Q2 FY2024 | Q3 FY2024 | Q4 FY2024 | Q1 FY2025 | Q2 FY2025 | Q3 FY2025 | Q4 FY2025 | Q1 FY2026 | Q2 FY2026 | Q3 FY2026 | Q4 FY2026 | Q1 FY2027 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3,606 | 3,820 | 4,164 | 4,474 | 4,929 | 5,190 | 5,622 | 6,450 | 7,283 | 8,188 | 9,289 | 8,672 |
| Expenses | 2,162 | 2,308 | 2,594 | 2,847 | 3,156 | 3,335 | 3,721 | 3,831 | 4,088 | 4,417 | 4,707 | 4,898 |
| Operating profit | 2,802 | 2,948 | 3,043 | 3,247 | 3,605 | 3,784 | 4,047 | 5,009 | 5,803 | 6,730 | 7,761 | 7,264 |
| OPM % | 78% | 77% | 73% | 73% | 73% | 73% | 72% | 78% | 80% | 82% | 84% | 84% |
| Other income | 26 | 23 | 16 | 19 | 29 | 32 | 31 | 35 | 50 | 52 | 3 | 23 |
| Interest | 1,335 | 1,412 | 1,447 | 1,595 | 1,807 | 1,900 | 2,111 | 2,355 | 2,571 | 2,919 | 3,155 | 3,458 |
| Depreciation | 22 | 24 | 27 | 26 | 25 | 31 | 35 | 35 | 38 | 40 | 24 | 31 |
| Exceptional items | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 1,470 | 1,534 | 1,585 | 1,646 | 1,802 | 1,886 | 1,932 | 2,654 | 3,244 | 3,822 | 4,584 | 3,797 |
| Tax % | 26% | 25% | 25% | 27% | 27% | 26% | 25% | 26% | 26% | 26% | 26% | 26% |
| Net profit | 1,095 | 1,145 | 1,182 | 1,196 | 1,321 | 1,392 | 1,444 | 1,974 | 2,412 | 2,823 | 3,397 | 2,825 |
| EPS in ₹ | ₹26.39 | ₹27.49 | ₹28.37 | ₹28.99 | ₹31.67 | ₹35.36 | ₹36.81 | ₹50.22 | ₹60.29 | ₹69.84 | ₹83.43 | ₹69.72 |
| Filing | NSE | NSE | NSE | NSE | NSE | NSE | Filing | Filing | Filing | Filing | Filing | Filing |
₹ crore except per share, consolidated, as filed with the exchange. Operating profit is sales less the expenses other than interest and depreciation, OPM is that over sales, and tax % is tax over profit before tax: arithmetic on the filed lines; everything else is as filed. Quarters before December 2024 are from the exchange's earlier results feed, which carries the filed lines without the filing itself; the column links to the exchange's page for the company.
Source
Unaudited consolidated results for the quarter ended 31 December 2024, filed with NSE on 13 February 2025: the result statement. All of Muthoot Finance Ltd.'s results: NSE company page.
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