Moneyview reports a remarkable 158.8% Year-on-Year profit increase ahead of its upcoming IPO, driven by strong revenue growth and expanding loan disbursals amid a buoyant retail finance sector.
Moneyview has reported a sharp jump in quarterly earnings as it heads towards its initial public offering, with profit rising 158.8% year on year to ₹173.8 crore in the June quarter, according to its red herring prospectus. Operating revenue climbed 50.2% to ₹1,041.1 crore, while total income, including other income, increased to ₹1,065.1 crore. EBITDA rose 88.1% to ₹424.3 crore, reflecting faster top-line growth than expense growth.
The Bengaluru-based digital lender said fee and commission income remained its biggest source of revenue, rising 61.5% to ₹632.9 crore as loan disbursals and managed assets expanded. Interest income also increased, but at a slower pace, climbing 36.9% to ₹387.2 crore. Moneyview said loan disbursals grew 40.3% to ₹7,152 crore in the quarter, while managed assets under management reached ₹22,520.2 crore as of June 30.
Moneyview runs a two-part model. In one arm, it works as a loan service provider for banks and non-banking finance companies, handling onboarding, credit checks, origination, collections and servicing in return for fees. In the other, its wholly owned NBFC subsidiary Whizdm Finance lends from its own balance sheet, generating interest income. The company said it had 140.28 million registered users by June 30, with 11.9 million monetised users, most of them in Tier II and smaller cities.
Costs also rose, but more slowly than revenue. Total expenses increased 35.7% to ₹832.3 crore, with impairment charges and finance costs making up the largest share. Moneyview said its gross Stage 3 loan ratio, a measure of stressed loans, stood at 2.72% at June 30, slightly higher than a year earlier but a touch below the end of FY26. Its net Stage 3 ratio improved to 0.59% from 0.65% a year earlier.
The results come as Moneyview prepares to list, with the IPO set to combine a fresh issue worth ₹750 crore and an offer for sale of up to 10.05 crore shares. At the top of the price band, the issue would value the company at about ₹5,985 crore. The company plans to use part of the proceeds to support lending under default loss guarantee arrangements and to strengthen Whizdm Finance’s capital base.
Moneyview’s numbers also land in a busy period for Indian lenders, especially in gold loans and broader retail finance. Muthoot Finance reported a 25% rise in standalone quarterly profit to ₹2,550 crore, alongside record assets under management, while Manappuram Finance posted a 341.4% jump in profit. Piramal Finance and IIFL Finance also reported stronger asset growth and profitability, underscoring a broader expansion in retail lending even as companies remain focused on credit quality and capital discipline.
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