ALFA Finder| Management target | Revenue 15.0% FY27 |
|---|
| Revenue growth | Standalone income grew 33% YoY; consolidated AUM up 43%. |
|---|---|
| Margins | Yields compressed significantly to 17.93% from 20.76% QoQ. |
| Demand visibility | Strong demand for gold loans; non-gold subsidiaries showing momentum. |
| Management confidence | Confident but defensive regarding yield compression and competition. |
Growth
AUM expanded 43% YoY; standalone PAT grew 25%. Growth was volume-led amid competitive yield pressures.
Outlook
Targeting 15% AUM growth for FY26-27 with yields stabilizing around 18-18.5%.
Risks
Major yield compression from 20.76% to 17.93%; intense competition from banks and NBFCs.
Last quarter's promises, checked
Delivered
- Guided 15% AUM growth → delivered 43% (= BEAT)
- Guided 150-200 branch expansion → delivered 177 (= BEAT)
- Guided yield maintenance at 18.5-20% → delivered 20.76% (= BEAT)
Earnings Call Transcript filed with NSE, NSE: MUTHOOTFIN. Summary written with AI assistance from the document.
Muthoot Finance Ltd: key numbers
- Share price
- ₹2,905.20
- Market cap
- ₹1,16,635 Cr
- Revenue (annual)
- ₹31,209 Cr
- Net profit (annual)
- ₹10,590 Cr
- P/E (TTM)
- 9.6×Sector 20.8×
- Promoter holding
- 73.35%+0.00% QoQ
- FII holding
- 9.72%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Muthoot Finance Ltd
All →Muthoot Finance Debt & Borrowing: ₹2.05 Cr
Muthoot Finance paid Rs.2.05 Crore interest on secured NCD series PL-28 on 3 November 2026. Payment was made on the due date, meeting its debt servicing obligation.
- Value
- ₹2.05 Cr
Muthoot Finance Legal & Regulatory
Muthoot Finance disclosed a GST Department search and seizure at its Registered Office, conducted October 29-30, 2026. The company states business operations remained unaffected and it is cooperating fully.
Muthoot Finance Debt & Borrowing: ₹2.32 Cr
Muthoot Finance paid monthly interest of Rs.2.32 Crore across nine secured NCD series on November 2, 2026. The payments were made one day after the November 1 due date.
- Value
- ₹2.32 Cr
Muthoot Finance Debt & Borrowing
Muthoot Finance submitted its September 30, 2026 security cover statement for secured NCDs. The auditors certify the cover is adequate under the trust deeds.
Muthoot Finance Investor Presentation: Key Takeaways
Q2 FY27/H1 FY27: consolidated PAT ₹6,103 Cr (+39%), AUM ₹2,09,317 Cr (+42%). Gold loan dominant; subsidiaries scaling, Muthoot Money AUM +99%.
Muthoot Finance Results Update
Muthoot Finance's consolidated profit after tax rose 39% year-on-year to ₹6,103 Crore for the half year. Consolidated loan AUM grew 42% to ₹2,09,317 Crore.