ALFA Finder| Management target | Revenue 20.0% FY27 |
|---|
| Revenue growth | AUM grew 18% YoY; earnings up 20% YoY. |
|---|---|
| Margins | NIM expanded by 50 bps YoY; cost of funds decreasing. |
| Demand visibility | Strong rural demand; disbursements expected to exceed ₹1,000 Cr monthly. |
| Management confidence | High; confident in achieving upwardly revised 20% growth guidance. |
Growth
AUM grew 18% YoY; disbursements increased 49% over the previous Q1. PPOP rose 43% YoY with 98% collection efficiency.
Outlook
Management raised growth guidance to 20% for the fiscal year, targeting 5% ROA by 2030.
Risks
Potential El Niño/monsoon impacts on rural cash flows; higher rural inflation vs urban areas; risk concentration in MFI segment.
Last quarter's promises, checked
Delivered
- Guided AUM growth 5-10% → delivered 13% (= BEAT)
- Guided credit cost 4-6% → delivered 3.5% (= BEAT)
- Targeted non-JLG mix 15% → delivered 17% (= BEAT)
Earnings Call Transcript 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.