Jio Financial Services (JIOFIN) Q4 2025 earnings summary

Executive summary

• Achieved strong growth in FY2025, with consolidated profit after tax of INR 1,613 crore, up from INR 1,605 crore in FY2024, and significant expansion in digital and physical presence, including the Jio Finance app launch and operations in 10 Tier-1 cities.

• Assets under management (AUM) surged to INR 10,053 crore as of March 31, 2025, compared to INR 173 crore a year earlier.

• Board recommended a dividend of INR 0.5 per equity share for FY2025, subject to shareholder approval.

• Diversified offerings across lending, payments, insurance, and investments, with new product launches and regulatory approvals.

• Total comprehensive income for FY2025 was INR 25,028.17 crore, a significant increase from INR 6,353.14 crore in FY2024, driven by other comprehensive income gains.

Financial highlights

• Consolidated total income for FY2025 increased to INR 2,079 crore from INR 1,855 crore in FY2024.

• Pre-provision operating profit for FY2025 was INR 1,594 crore, up from INR 1,530 crore in FY2024.

• Standalone profit after tax for FY2025 was INR 549 crore, up from INR 383 crore in FY2024.

• Basic and diluted EPS for FY2025 stood at INR 2.54, compared to INR 2.53 in FY2024.

• Cash and cash equivalents as of March 31, 2025, were INR 352.32 crore.

Outlook and guidance

• Focus remains on scaling business, optimizing product stack, and delivering world-class digital experiences, with expansion into mutual funds and wealth management through joint ventures with BlackRock and regulatory approvals in process.

• Continued disciplined execution, robust governance, and targeting mass-affluent and above customer segments for future growth.

• Received RBI approval to be classified as a Non-Deposit Taking Systemically Important Core Investment Company (CIC-ND-SI) effective July 9, 2024.