Conference Call with Muthoot Finance Management and Analysts on Q4FY25 & Full Year Performance and Outlook. Listen to the full earnings transcript.
Finance company Muthoot Finance announced Q4FY25 & FY25 results Highest Ever Consolidated Loan AUM at Rs 1,22,181 crore as on March 31, 2025 Historic Highest YoY Growth in Loan AUM by Rs 33,102 crore of 37% Highest Ever Consolidated Profit after Tax at Rs 5,352 crore in any year, up by 20% YoY Highest Ever Standalone Loan AUM at Rs 1,08,648 crore as on March 31, 2025 Historic Highest YoY Growth in Loan AUM by Rs 32,821 crore of 43% Highest Ever Standalone Profit after tax at Rs 5,201 crore in any year, up by 28% YoY Highest Ever Gold Loan AUM at Rs 1,02,956 crore as on March 31, 2025 Historic Highest YoY Growth in Gold Loan AUM by Rs 30,077 crore of 41% Consolidated Gross Loan AUM of the Group: 1,22,181 (YoY: +37%) for Q4FY25 Consolidated Profit after Tax of the Group: 1,444 (YoY: +22%) for Q4FY25 George Jacob Muthoot, Chairman said “We are glad to announce another year of remarkable growth and historic milestone achievement for the company. Our Consolidated Loan Assets Under Management crossed historic milestone of Rs.1lakh crore reaching Rs 1,22,181 crore. Our Standalone Loan Assets Under Management crossed historic milestone of Rs.1lakh crore reaching Rs 1,08,648 crore. The Consolidated Loan Assets Under Management increased by 37% YoY, and Standalone Loan Assets Under Management increased by 43% YoY. The Consolidated Profit after Tax for FY25 increased by 20% YoY at Rs 5,352 crore. With a strong focus on Muthoot Finance’s vision to emerge as a diversified financial services group, FY25 was a year of transformation. Alongside expanding our non-gold loan portfolio, we accelerated our digital initiatives to drive growth across all product segments. We remain proud of our leadership in the gold loan industry, while successfully tapping into growth opportunities in affordable housing, microfinance, personal loans and small business loans. The recent regulatory guidelines are a positive step for the sector; however, we have always operated with strong governance and are already aligned with these directives. As we step into FY26, we do so with optimism and remain committed to our various stakeholders.” George Alexander Muthoot, Managing Director said, " We are proud to announce that this year we crossed historic milestone of Rs 1 lakh crore Gold Loan AUM reaching Rs1,02,956 crore. This year, we achieved the highest ever Gold Loan advance to new customers of Rs 21,888 crore, reinforcing our position as a trusted partner in the gold loan industry. Complementing our core gold loan business, our non-gold loan offerings continued to gain traction, with our microfinance loans, personal loans, and home loans playing a pivotal role in diversifying our overall loan book. The housing finance arm achieved disbursements of Rs 1,242 crore in FY25 as against Rs 815 crore in FY24. The micro finance arm also showcased resilience amidst broader sectoral challenges, with a positive return on asset. As part of our transformational journey, FY25 saw a strong push towards strengthening our digital capabilities and engaging with tech-savvy customers. Our omnichannel strategy is delivering results, with key infrastructure in place to transition both gold and non-gold customers — especially those previously transacting in cash — to digital platforms.” Result PDF
Paints company Berger Paints (India) announced Q4FY25 & FY25 results Consolidated Q4FY25 Financial Highlights: Revenue from Operations for the quarter ended 31st March, 2025 was Rs 2,704.0 crore as against Rs 2,520.3 crore in the corresponding quarter of the last financial year, representing an increase of 7.3% over the corresponding period of last financial year. EBIDTA (excluding other income) for the quarter ended 31st March, 2025 was Rs 427.8 crore as against Rs 350.9 crore in the corresponding quarter of the last financial year, representing an increase of 21.9% over the corresponding period of last financial year. Net Profit for quarter ended 31st March, 2025 was Rs 262.9 crore as against Rs 222.6 crore in the corresponding quarter of the last financial year, representing an increase of 18. l % over the corresponding period of last financial year. Standalone Q4FY25 Financial Highlights: Revenue from Operations for the quarter ended 31st March, 2025 was Rs 2,347.5 crore as against Rs 2,249.1 crore in the corresponding quarter of the last financial year, representing an increase of 4.4% over the corresponding period of last financial year. EBITDA (excluding other income) for the quarter ended 31st March, 2025 was Rs 389.5 crore as against Rs 325.1 crore in the corresponding quarter of the last financial year, representing an increase of 1 9.8% over the corresponding period of last financial year. Net Profit for quarter ended 31st March, 2025 was Rs 236.9 crore as against Rs 81.6 crore in the corresponding quarter of the last financial year, representing an increase of 30.5% over the corresponding period of last financial year. Consolidated FY25 Financial Highlights: Revenue frorn Operations for the year ended 31st March, 2025 was Rs 11,544.7 crore as against Rs 11,198.9 crore in the corresponding financial year, representing an increase of 3.1 % over the corresponding period of last financial year. EBIDTA (excluding other income) for the year ended 31st March, 2025 was Rs 1,856.1 crore as against Rs 1,861.3 crore in the corresponding financial year, representing a decrease of 0.3% over the corresponding period of last financial year. Net Profit for the year ended 31st March, 2025 was Rs 1,182. 8 crore as against Rs 1,169.8 crore in the corresponding last financial year, representing an increase of 1.1 % over the corresponding period of last financial year. Standalone FY25 Financial Highlights: Revenue from Operations for the year ended 31st March, 2025 was Rs 10,169.2 crore as against Rs 10,002.9 crore in the corresponding financial year, representing an increase of 1 .7% over the corresp011ding period of last financial year. EBlDTA (excluding other income) for the year ended 31st March, 2025 was Rs 1,674. 1 crore as against Rs 1,671.7 crore in the corresponding last financial year, representing an increase of 0. 1 % over the corresponding period of last financial year. Net Profit for the year ended 31st March, 2025 was Rs 1,077.5 crore as against Rs 1,015.1 crore in the corresponding last financial year, representing an increase of 6.2% over the corresponding period of last financial year. Abhijit Roy, Managing Director & CEO of Berger Paints India said, "The tough market conditions continued into the fourth quarter with muted urban demand and increased competition intensity. In spite of this we were able to deliver high single-digit volume growth, with sequential improvement in value performance with reduced gap between volume-value growth gap, supported by easing impact of Q4FY24 price reductions and momentum in the premium emulsion category. The visible improvement in the industrial and decorative segments were good indicators of a demand improvement cycle. Operating margin remained within the guided range, aided by improved gross margin and disciplined cost management. Q4FY25 saw the company achieve the highest Gross Margin % in the past 12 quarters Ebidtafor the quarter saw a strong improvement and we are happy to report that we are currently at zero gross debt and have further improved our net cash position at the end of the quarter. We continue to register robust growth in the waterproofing, construction chemicals and wood coating segments. The industrial segment also saw resilient performance, which bodes well for us in the months ahead. On the international front, our operations in Poland and Nepal saw good topline performances with the Nepal operations seeing a turnaround on the back of improved business conditions and a low base. We remain optimistic about the demand scenario for the months ahead on the back of the favorable budget announcements, government spending on infrastructure & development and a good monsoon season. The strained geopolitical conditions in the immediate neighbourhood seems to have stabilized which hopefully will continue. As always, Berger Paints India Limited is focused on living up to the legacy of trust and innovation and will continue to introduce our customers and industry influencers to a slew of innovative products and services as we progress. Our latest launches in the form of Roof Kool & Seal and Tank Kool have seen enthusiastic acceptance in the market and we hope to see similar reception to the remaining launches scheduled for the upcoming season." Result PDF