Moneyview (MONEYVIEW) Q4 24/25 earnings summary

Executive summary

• FY2024-25 consolidated revenue reached INR 23,391.46 million versus INR 13,423.70 million; consolidated PAT was INR 2,402.76 million versus INR 1,711.48 million.

• Growth combined lending-platform fees and commissions with portfolio-loan interest; portfolio impairment and default-loss guarantee costs were significant expense items.

Financial highlights

• Consolidated total income was INR 23,785.29 million, total expenses INR 20,593.17 million and PBT INR 3,192.12 million in FY2024-25.

• Consolidated operating revenue included fees and commissions of INR 14,867.98 million, loan interest of INR 7,890.46 million and derecognition gains of INR 285.48 million.

• Impairment of financial instruments was INR 6,677.30 million, including INR 3,460.38 million in portfolio-loan impairment and write-offs and INR 3,216.92 million in DLG expense.

• Standalone revenue was INR 14,874.24 million versus INR 10,141.80 million; standalone PAT was INR 1,640.21 million versus INR 1,537.70 million.

Segment performance

• Operations were reported as one segment covering loan facilitation and unsecured personal lending; revenue and substantially all non-current operating assets were India-based.

• Consolidated revenue included INR 7,890.46 million of interest on portfolio loans, alongside INR 14,867.98 million of platform fees and commissions.

• Earned-wage-access services entered the consolidated perimeter following the September 2024 acquisition of Zeo Fin Technology.