Logotype for Muthoot Finance Ltd

Muthoot Finance (MUTHOOTFIN) investor relations material

Muthoot Finance Q1 25/26 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Muthoot Finance Ltd
Q1 25/26 earnings summary13 Aug, 2025

Executive summary

  • Achieved record consolidated loan AUM of ₹1,33,938 crore, up 37% YoY, and standalone loan AUM of ₹1,20,031 crore, up 42% YoY, with gold loan AUM up 40% YoY to ₹1,13,194 crore.

  • Standalone profit after tax surged 90% YoY to ₹2,046 crore; consolidated PAT reached ₹1,974 crore, up 65% YoY.

  • Opened 22 new branches; branch network expanded to 7,413 locations, with rural and semi-urban focus.

  • Market capitalization crossed ₹1 trillion, reflecting strong investor confidence and market leadership.

  • Technology investments and digital initiatives are enhancing customer experience and operational efficiency.

Financial highlights

  • Standalone total income for Q1 FY26 was ₹5,720 crore, up 54% YoY; consolidated income rose 44% YoY to ₹64,850 Mn.

  • Standalone interest income grew 53% YoY to ₹55,923 Mn; profit before tax at ₹2,745 crore, up 84% YoY.

  • Yield expanded by 100 bps sequentially, mainly due to ₹400 crore in exceptional interest income from NPL recoveries and ARC receipts.

  • Cost of borrowing declined by 11 bps in the quarter; operating expenses improved due to higher AUM and per-branch business.

  • Dividend payout ratio for FY25 at 20%, with a payout of ₹10,438 Mn; interim dividend of ₹26 per share declared.

Outlook and guidance

  • Management expects continued strong growth, supported by digital transformation and favorable regulatory environment.

  • Focus remains on gold loans, digital initiatives, and expanding rural and semi-urban presence.

  • Strong liquidity and capital adequacy (21.96% as of June 2025) support future growth; no immediate plans for capital raise.

  • Management intends to maintain a spread of 9.5% and will pass on cost of funds reductions to customers if borrowing costs decline.

  • Opportunities seen in affordable housing, microfinance, and leveraging digital platforms for customer acquisition.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Muthoot Finance earnings date

Logotype for Muthoot Finance Ltd
Q2 25/2613 Nov, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Muthoot Finance earnings date

Logotype for Muthoot Finance Ltd
Q2 25/2613 Nov, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Muthoot Finance Ltd is a non-banking financial company primarily offering gold loans secured against household gold jewelry. It also provides other financial services including money transfer, insurance, and wealth management. The company is headquartered in Kochi, India, and its shares are listed on the NSE.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage