ALFA Finder| Margins | Yield at 16.20% (+11bps); Cost of Borrowing at 9.25% (-55bps). |
|---|---|
| Demand visibility | Strong; underserved credit needs in mid and low-income segments. |
| Management confidence | High; emphasizing 30 years of consistent and steady performance across cycles. |
Growth
Standalone Q1 FY27 Net Interest Income grew 29.58% YoY to ₹3,079 Mn; PAT rose 24.67% to ₹1,046 Mn.
Outlook
Focus on maintaining 20-25% off-book AUM via direct assignment. Aiming for consistent leverage and optimized cost structure.
Risks
Potential headwinds include macroeconomic shocks, regulatory changes in capital adequacy, and volatility in interest rates affecting borrowing costs.
Last quarter's promises, checked
Delivered
- Guided 20-25% AUM growth → delivered 19% (= PARTIAL)
- Guided 1.0-1.25% credit cost → delivered ~1.25-1.30% (= BEAT)
- Guided 9.20-9.25% cost of borrowing → delivered 9.25% (= BEAT)
Partly delivered
- Guided 16-17% yields → delivered 16.20% (= PARTIAL)
Missed
- Guided INR 1,000 Cr Housing AUM by FY26 → delivered INR 940 Cr (= MISS)
Investor Presentation filed with BSE, NSE: MASFIN. Summary written with AI assistance from the document.
Mas Financial Services Ltd: key numbers
- Share price
- ₹266.13
- Market cap
- ₹4,829 Cr
- Revenue (annual)
- ₹1,995 Cr
- Net profit (annual)
- ₹371.2 Cr
- P/E (TTM)
- 11.6×Sector 20.8×
- Promoter holding
- 66.66%+0.01% QoQ
- FII holding
- 2.67%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Mas Financial Services Ltd
All →Mas Financial Services Earnings Call Transcript: Key Takeaways
MAS Financial continues its consistent growth trajectory, crossing the ₹17,000 crore AUM milestone. Management remains confident in achieving a ₹1 lakh crore AUM by 2036 while maintaining robust asset quality and capital adequacy.
- Call
- Guides 25% growth
Mas Financial Services Investor Presentation: Key Takeaways
Q2FY27: consolidated AUM ₹17,043 Cr (+23.31% YoY), consolidated PAT ₹115 Cr (+25.91% YoY); ROE 15.33%, cost of borrowing 9.19%, MSME-focused lending.
Mas Financial Services Debt & Borrowing
MAS Financial Services confirmed 100% security cover over its secured NCDs as at 30 September 2026. The auditor-certified statement shows cover of 1.11 on book value.
Mas Financial Services Results Update
MAS Financial Services reported Q2 FY27 consolidated PAT of ₹115.12 Crores, up 25.91% YoY, with AUM at ₹17,042.86 Crores. Standalone PAT was ₹110.05 Crores on ~23% growth.
Mas Financial Services Q2 FY27 Results: Net Profit ₹115.1 Cr, Up 25.9% YoY
Mas Financial Services Ltd reported revenue from operations of ₹589.4 Cr (+22.7% YoY) and net profit of ₹115.1 Cr (+25.9% YoY) for Q2 FY27.
- Key figure
- Net profit ₹115.1 Cr · +25.9% YoY
Mas Financial Services Board Meeting Date
MAS Financial Services has scheduled a board meeting for October 28, 2026, to consider financial results for the quarter and half-year ended September 30, 2026.