| Management target | Net Profit 25.0% FY27 |
|---|
| Revenue growth | Standalone total income grew 20% YoY to ₹530 crore. |
|---|---|
| Margins | Targeting spreads of 7%-7.5% and NIMs of 8%-8.5%. |
| Demand visibility | Robust demand in MSME; slightly lower eligible demand in CV. |
| Management confidence | High; 125 consecutive quarters of consistent performance. |
Growth
Consolidated AUM grew 21% YoY; standalone PAT increased 25% to ₹105 crore; MSME loans (77% of book) grew 21-23%.
Outlook
Guidance of 20%-25% AUM growth; aim to double AUM every 3-3.5 years; target ROA range of 2.75%-3.25%.
Risks
Potential impacts from Gujarat floods; West Asia crisis manageable via tighter credit screens; slight uptick in CV credit costs.
Last quarter's promises, checked
Delivered
- Guided 20%-25% AUM growth → delivered 21% (= BEAT)
- Targeted 2.75%-3% ROA → delivered 2.75%-3.25% range (= BEAT)
- Guided 1.25%-1.3% credit cost → delivered 1.25%-1.3% (= BEAT)
Partly delivered
- Targeted 9.20%-9.25% borrowing cost → delivered 9.25% (= PARTIAL)
Missed
- Aimed for ₹1,000 Cr Housing AUM by FY26 → delivered <₹1,000 Cr (= MISS)
Earnings Call Transcript filed with BSE, NSE: MASFIN. Summary written with AI assistance from the document.
Mas Financial Services Ltd: key numbers
- Share price
- ₹282.75
- Market cap
- ₹5,131 Cr
- Revenue (annual)
- ₹1,995 Cr
- Net profit (annual)
- ₹371.2 Cr
- P/E (TTM)
- 13.0×Sector 22.0×
- Promoter holding
- 66.65%+0.00% QoQ
- FII holding
- 3.69%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 Debt & Borrowing
MAS Financial Services allotted non-convertible debt securities on 24 Sep 2026 as a reissue of forfeited shares. No issue price or investor count was disclosed in the filing.
Mas Financial Services Debt & Borrowing: ₹175 Cr
MAS Financial Services allotted 1,75,000 senior secured NCDs worth ₹175 Crore via private placement. The 24-month, 8.55% coupon debentures are rated CARE AA-/Stable.
- Value
- ₹175.0 Cr
Mas Financial Services Other Announcement
MAS Financial Services Limited has received an unsolicited ESG rating of "Strong" (Score 65) from CRISIL. This voluntary rating is based on publicly available data.
Mas Financial Services Debt & Borrowing: ₹3.33 Cr
MAS Financial Services Ltd will receive ₹3.33 Crore from the redemption of Optionally Convertible Preference Shares held in its subsidiary, MAS Rural Housing and Mortgage Finance Limited. This transaction involves the redemption of 33,33,340 OCPS held by the company.
- Value
- ₹3.33 Cr
Mas Financial Services Other Announcement
MAS Financial Services received a voluntary ESG rating of 61 (Strong) from ESG Risk Assessments & Insights Limited. The rating was assigned based on publicly available data.
Mas Financial Services Annual General Meeting
MAS Financial Services Ltd conducted its 31st Annual General Meeting on September 02, 2026. Resolutions included dividend declaration, director appointment, and increased borrowing powers.