Muthoot Finance Share Price Hits 52-Week High; PAT Up 21% YoY in Q3 FY25

Muthoot Finance Limited has announced its unaudited financial results for the quarter and nine months ended December 31, 2024.

On February 13, 2025, Muthoot Finance share price (NSE: MUTHOOTFIN) opened at ₹2,248.80, up from its previous close of ₹2,182.85. At 11:13 AM, the share price of Muthoot Finance was trading at ₹2,323.95, up by 6.46% on the NSE. Notably, the stock price touched its 52-week high today at ₹2,334.80.

Growth in Loan Assets Under Management (AUM)

Muthoot Finance achieved its highest-ever consolidated loan AUM, reaching ₹1,11,308 crore, a 34% YoY increase from ₹82,773 crore last year. The Standalone Loan AUM also saw a remarkable growth of 37% YoY, standing at ₹97,487 crore. During Q3 FY25, the consolidated loan AUM grew by ₹7,159 crore, reflecting a 7% QoQ increase.

The company reported its highest-ever Gold Loan AUM, which rose 34% YoY to ₹92,964 crore. The average Gold Loan AUM per branch reached a record high of ₹19.15 crore. Additionally, the company disbursed ₹15,723 crore to 13,70,178 new customers, marking its highest-ever gold loan disbursement to new customers in any nine-month period.

Q3 FY 2025 Financial Highlights

Muthoot Finance’s consolidated Profit After Tax (PAT) for 9M FY25 stood at ₹3,908 crore, a 19% YoY increase from ₹3,285 crore in 9M FY24. The Standalone PAT grew 23% YoY, reaching ₹3,693 crore. For Q3 FY25, the consolidated PAT rose 21% YoY to ₹1,392 crore compared to ₹1,145 crore in Q3 FY24.

With 202 tonnes of gold held as security, Muthoot Finance continues to reinforce its leadership in the gold loan market.

Commenting on the performance for the quarter, the Chairman of The Muthoot Group, Mr George Jacob Muthoot, said, “Our Consolidated Profit after Tax for 9M FY25 increased by 19% YoY to Rs. 3,908 crores. Amid favourable macroeconomic indicators, the union budget’s positive tax reform announcements are expected to start a consumption cycle, and combined with a steadfast commitment to the fiscal deficit target, the general economic outlook looks promising. Also, RBI’s focus on enhancing liquidity, and the move to slash the benchmark interest rate for the first time in 5 years, paint an optimistic outlook.”

He further stated, “In line with our vision to emerge as a diversified financial services provider, we are actively expanding our new product portfolio, including Business Loans, SME Loans, Loan against Property, and Personal Loans. These offerings complement our core Gold Loan business, providing customers with tailored financial solutions while enabling us to broaden our customer base and revenue streams. As we scale up our non-gold loan segments and enhance the contribution from subsidiaries, we are on track to grow their share to 18%-20% over the next five years. We remain committed to leveraging our strengths to drive inclusive growth and long-term value creation for all stakeholders.”

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.