Manappuram Finance Ltd's Q4FY25 Quarter Results
- 4d ago
Result Summary
- Manappuram Finance Ltd reported a 7.8% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 31.3%.
- Its expenses for the quarter were down by 12.4% QoQ and up 20.6% YoY.
- The net profit increased 102.4% QoQ and increased 35.7% YoY.
- The earnings per share (EPS) of Manappuram Finance Ltd stood at 6.7 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 2362.22 | 2562.63 | 1798.59 | -7.8% | 31.3% |
Total Expenses | 1428.88 | 1631.95 | 1184.65 | -12.4% | 20.6% |
Profit Before Tax | 745.52 | 376.06 | 566.56 | 98.2% | 31.6% |
Tax | 182.03 | 97.60 | 151.27 | 86.5% | 20.3% |
Profit After Tax | 563.49 | 278.46 | 415.29 | 102.4% | 35.7% |
Earnings Per Share | 6.70 | 3.30 | 4.90 | 103.0% | 36.7% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
Manappuram Finance Ltd is an Indian financial services company that primarily operates in the gold loan sector. The company's core business involves providing short-term loans against gold jewelry, which is a popular form of credit in India. Besides gold loans, Manappuram Finance Ltd also offers other financial products and services such as vehicle and housing loans, microfinance, insurance, and foreign exchange services. The company has established a strong presence in rural and semi-urban areas, catering to the financial needs of the underserved population. As of the latest financial period, there were no major developments or acquisitions reported by the company.
Revenue
For the quarter ending in Q4FY25, Manappuram Finance Ltd reported a total income of ₹2362.22 crores. This reflects a decrease of 7.8% from the previous quarter (Q3FY25), where total income was ₹2562.63 crores. However, when compared to the same quarter in the previous year (Q4FY24), the total income increased by 31.3%, indicating significant year-over-year growth. The fluctuations in revenue could be attributed to various factors, including market demand and seasonal variations in business operations.
Profitability
The profitability metrics for Manappuram Finance Ltd show a notable improvement in Q4FY25. The company reported a profit before tax of ₹745.52 crores, which is a substantial increase of 98.2% from the previous quarter (Q3FY25), where the profit before tax was ₹376.06 crores. On a year-over-year basis, the profit before tax increased by 31.6% compared to ₹566.56 crores in Q4FY24. The profit after tax for Q4FY25 stood at ₹563.49 crores, marking a 102.4% increase from Q3FY25's ₹278.46 crores and a 35.7% rise from ₹415.29 crores in Q4FY24. This significant growth in profitability is also reflected in the earnings per share, which increased from ₹3.30 in Q3FY25 to ₹6.70 in Q4FY25, and from ₹4.90 in Q4FY24, representing a year-over-year growth of 36.7%.
Operating Metrics
The operating metrics of Manappuram Finance Ltd reveal a reduction in total expenses for Q4FY25, amounting to ₹1428.88 crores, a decrease of 12.4% from ₹1631.95 crores in the previous quarter (Q3FY25). This reduction in expenses contributed to the improved profitability of the company. On a year-over-year basis, total expenses increased by 20.6% from ₹1184.65 crores in Q4FY24. The tax expense for Q4FY25 was ₹182.03 crores, showing an 86.5% increase from Q3FY25 and a 20.3% increase from Q4FY24. These operating metrics indicate that the company managed to control its expenses while achieving higher profits during the quarter. The earnings per share, a critical measure of profitability, showed a substantial improvement, increasing from ₹3.30 in Q3FY25 to ₹6.70 in Q4FY25, indicative of enhanced earnings attributable to shareholders.
