Gold Loan Portfolio Analysis
PROFITABILITY RATIOS
Yearly
ht
ā
Muthoot Finance
(%) Quarterly
(%)
(Based on Income)
Mar-22* Mar-21* Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15
Q1 FY
2023*
Q4 FY
2022*
Q1 FY
2022*
Interest expense to Gross
Income
34.56
34.92 32.00 32.51 30.50
39.92
46.31 48.71
37.52
34.38
36.18
Selling, general and
administrative expenses to
Net Income
24.40
25.13
29.26
32.24
28.93
34.88
41.36 48.26
33.85
29.58 22.37
Provisions & Write Offs to Net
Income
1.75
1.38
1.61
0.59
5.44
8.16
6.20
1.67 (3.68)
(3.98) 1.94
Operational expenses to Net
Income
26.15
26.51 30.87
32.84
34.38
43.03
47.56 49.93
30.17
25.60
24.31
OPBDT / Net Income
73.85
73.49
69.13
67.16
65.62
56.97
52.44 50.06 69.83
74.40 75.69
Depreciation to Net Income
0.74
0.74
0.73
0.90
1.00
1.33
2.13 3.72
0.82
0.90
0.66
OPBT/ Net Income
73.11
72.75
68.40 66.26
64.63
55.63 50.31
46.34 69.01
73.50
75.03
PBT/ Net Income
73.11
72.75
68.40
66.26
64.63
55.63 50.31 46.34 69.01
73.50 75.03
PAT / Net Income
54.45
54.09
50.88
42.47
40.38 34.17 30.93 30.23
51.16
54.64
56.05
*Under IND-AS
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