Manba Finance Limited Q4 FY25 earnings call summary

Earnings call of 23 May 2025, summarised by AI from the filing.

Manba Finance FY25 net interest income ₹129 cr, up 49%, PAT ₹38 cr, up 21%, with record disbursements of ₹842 cr.

Key takeaways

1. FY25 results Net interest income ₹129 cr, up 49% year-on-year, with net interest margin of 14.03%; profit after tax approximately ₹38 cr, up 21%.
2. Guidance No forward guidance was provided on the call.
3. Change Provisioning coverage ratio increased by 4% driven by tightening of credit norms.
4. Driver Record high disbursements of ₹842 cr in FY25, up from ₹633 cr in FY24, driving AUM growth.
5. Risk AUM growth is seasonal, with Q4 seeing few festivals and lower disbursements.

Original filing on BSE

Manba Finance Limited Q1 FY27 results

As filed: Revenue ₹92.6 cr (+38% year on year), EBITDA ₹60.8 cr (+41% year on year), PAT ₹13.3 cr (+33% year on year), EBITDA margin 65.7% (+152 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹93.4 cr (+37% year on year), EBITDA ₹60.7 cr (+48% year on year), PAT ₹11.1 cr (+39% year on year), EBITDA margin 65.0% (+471 bps). Score 85 of 100, Above trend. EBITDA margin rose 471 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 15% from last quarter. Share price after the results: +15.7% in 30 days (Nifty 500: +2.6%).
• Q3 FY26: Revenue ₹89.8 cr (+30% year on year), EBITDA ₹60.5 cr (+34% year on year), PAT ₹13.1 cr (+1% year on year), EBITDA margin 67.3% (+208 bps). Score 70 of 100, Above trend. EBITDA margin rose 208 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: −7.4% in 29 days (Nifty 500: +0.4%).
• Q2 FY26: Revenue ₹78.0 cr (+20% year on year), EBITDA ₹51.0 cr (+16% year on year), PAT ₹11.0 cr (−8% year on year), EBITDA margin 65.4% (−231 bps). Score 47 of 100, In line with trend. EBITDA margin fell 231 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +1.0% in 30 days (Nifty 500: −0.2%).
• Q1 FY26: Revenue ₹67.0 cr (+37% year on year), EBITDA ₹43.0 cr (+39% year on year), PAT ₹10.0 cr (+100% year on year), EBITDA margin 64.2% (+91 bps). Score 87 of 100, Above trend. EBITDA margin rose 91 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +3.6% in 30 days (Nifty 500: +0.8%).
• Q4 FY25: Revenue ₹68.0 cr, EBITDA ₹41.0 cr, PAT ₹8.0 cr, EBITDA margin 60.3%. Not scored. No result for the same quarter last year. Share price after the results: −2.0% in 29 days (Nifty 500: +2.0%).
• Q3 FY25: Revenue ₹69.0 cr, EBITDA ₹45.0 cr, PAT ₹13.0 cr, EBITDA margin 65.2%. Not scored. No result for the same quarter last year.
• Q2 FY25: Revenue ₹65.0 cr, EBITDA ₹44.0 cr, PAT ₹12.0 cr, EBITDA margin 67.7%. Not scored. No result for the same quarter last year.

Past price moves after results do not indicate future moves. Not a recommendation.

Manba Finance Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (28 Jul 2026), Results deck (28 Jul 2026), Results press release (27 Jul 2026)
• Q4 FY26: Earnings call (19 May 2026), Results deck (19 May 2026)
• Q3 FY26: Earnings call (30 Jan 2026), Results deck (30 Jan 2026), Results deck (30 Jan 2026)
• Q2 FY26: Earnings call (12 Nov 2025), Results deck (12 Nov 2025), Results deck (19 Nov 2025)
• Q1 FY26: Earnings call (5 Aug 2025), Results deck (5 Aug 2025), Results deck (1 Sep 2025)
• Q4 FY25: Earnings call (23 May 2025), Results deck (23 May 2025), Results deck (18 Jun 2025)