ALFA Finder| Revenue growth | FY26 Income: -7.2% YoY; Q4 Income: +14.9% YoY. |
|---|---|
| Margins | NIM at 12.0% in Q4; guided to improve in FY27. |
| Demand visibility | Strong credit demand in AP, Punjab, and MP markets. |
| Management confidence | High on diversifying into MSEL and individual loan segments. |
Growth
PAT grew 117.7% YoY to ₹711 Mn in Q4. FY26 Income decreased 7.2% YoY to ₹23,807 Mn.
Outlook
FY27 guidance: AUM growth 12-15%, NIM 12.3-12.5%, and ROE 12-15%. Focus on individual and gold loans.
Risks
Asset quality impacted by regional crises; GNPA at 3.89%. NIM moderation and higher credit costs in FY26.
Earnings Call filed with NSE, NSE: MUTHOOTMF. Summary written with AI assistance from the document.
Muthoot Microfin Ltd: key numbers
- Share price
- ₹161.70
- Market cap
- ₹2,757 Cr
- Revenue (annual)
- ₹2,370 Cr
- Net profit (annual)
- ₹170.3 Cr
- P/E (TTM)
- 8.5×Sector 20.8×
- Promoter holding
- 55.47%+0.00% QoQ
- FII holding
- 23.19%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Muthoot Microfin Ltd
All →Muthoot Microfin Earnings Call Transcript: Key Takeaways
Record ₹2,900 Cr disbursement, AUM up 22%, standalone PAT ₹110.8 Cr. Credit cost 2.6%. Management downplays drought exposure of 3.6% of book.
Muthoot Microfin Investor Presentation: Key Takeaways
Q2 FY27: total income INR 7,329mn (+26.9% YoY), PAT INR 1,108mn (+263% YoY), AUM INR 1,53,228mn (+22% YoY); GNPA eased to 3.38%.
Muthoot Microfin Results Update
Muthoot Microfin reported Q2 FY27 PAT of Rs. 110.8 crore, up 262.9% YoY, alongside a record Rs. 2,900 crore in disbursements. CareEdge revised its outlook to Positive.
Muthoot Microfin Q2 FY27 Results: Net Profit ₹110.8 Cr, Up 263.3% YoY
Muthoot Microfin Ltd reported revenue from operations of ₹730.7 Cr (+26.8% YoY) and net profit of ₹110.8 Cr (+263.3% YoY) for Q2 FY27.
- Key figure
- Net profit ₹110.8 Cr · +263.3% YoY
Muthoot Microfin Other Announcement
Muthoot Microfin filed its quarterly shareholding pattern for the period ended 30 September 2026. Promoter and promoter group hold about 55.47%, with no transaction reported.
Muthoot Microfin Credit Rating
CareEdge reaffirmed Muthoot Microfin's long-term foreign currency rating at BB- and revised the outlook to Positive from Stable. The move reflects improving asset quality and profitability.