Q2 2025 Muthoot Finance Ltd Earnings Call Transcript

Nov 14, 2024 / 11:30 AM GMT

Release Date Price: ₹1775.85 (+0.31%)

Transcript

Key Points

Positve

Muthoot Finance Ltd (BOM:533398) reported a robust 28% year-on-year growth in its standalone assets under management (AUM), reaching 90,000 crores.
The company's consolidated AUM crossed the significant milestone of one lakh crores, indicating strong business expansion.
Standalone profit after tax grew by 18% year-on-year, reflecting improved profitability.
The gold loan portfolio grew by 18% to 13,285 crores, showcasing strong demand and effective market penetration.
The company has increased its guidance for gold loan growth from 15% to 25% for the financial year 2025, indicating confidence in continued growth.

Negative

The company's non-performing assets (NPAs) have increased, with gold loan NPAs rising from 3,002 crores to 3,686 crores.
There is a notable increase in NPAs in the non-gold loan segment, which rose from 90 crores to 193 crores.
The cost of borrowing remains high at around 9%, which could impact future profitability if not managed.
The competitive landscape is intensifying with the return of a major competitor, which may affect market share and pricing strategies.
The company's credit costs have been elevated, with provisions for expected credit losses impacting financial performance.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

MUTT.NS - Muthoot Finance Ltd
Q2 2025 Muthoot Finance Ltd Earnings Call
Nov 14, 2024 / 11:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good evening. And welcome to the Muthoot Finance Limited Q2 F 525 earnings conference call hosted by NVE Bang Equity Private Limited. As a reminder, all participant lines will be in listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call? Please signal an operator by pressing star then zero on your touchtone phone. Please note that this conference is being recorded.

I now hand the conference over to Mundet from Normal Bank equities Private Limited. Thank you and over to you, ma'am.

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Unidentified_2 [2]
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