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MAS Financial Services Limited Q4 FY26 earnings call summary

NSE: MASFIN · BSE: 540749

Earnings call of 30 Apr 2026, summarised by AI from the filing.

MAS Financial Q4 FY26 PAT ₹104 cr, up 25%; guides 20-25% AUM growth and cost of borrowing reduction to 9.20%-9.25%.

Key takeaways

  1. Guidance Management confident to grow AUM 20% to 25% going forward, targeting ₹1 lakh cr by 2036.
  2. Cost of borrowing Reduced to 9.39% in Q4 FY26, expected to further reduce to 9.20%-9.25% over next 2-3 quarters.
  3. Asset quality Gross stage 3 stable at 2.57%, net stage 3 at 1.70%; aggressive write-offs as buffer.
  4. Risk West Asia crisis and inflation could affect borrowers and asset quality.

Original filing on BSE

MAS Financial Services Limited Q1 FY27 results

As filed: Revenue ₹562 cr (+21% year on year), EBITDA ₹387 cr (+16% year on year), PAT ₹110 cr (+27% year on year), EBITDA margin 68.7% (−295 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 ₹542 cr (+24% year on year), EBITDA ₹373 cr (+18% year on year), PAT ₹104 cr (+26% year on year), EBITDA margin 68.7% (−318 bps). Score 60 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA growth was below it; profit growth was above it. EBITDA margin fell 318 bps year on year. Revenue rose ₹104 cr on a year ago, more than the ₹92.0 cr it added the year before. Share price after the results: −5.2% in 30 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹507 cr (+24% year on year), EBITDA ₹364 cr (+20% year on year), PAT ₹93.3 cr (+17% year on year), EBITDA margin 71.8% (−213 bps). Score 60 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA growth was in line with it; profit growth was well below it. EBITDA margin fell 213 bps year on year. Revenue rose ₹96.8 cr on a year ago, more than the ₹70.0 cr it added the year before. Share price after the results: +5.6% in 30 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹480 cr (+25% year on year), EBITDA ₹347 cr (+20% year on year), PAT ₹91.0 cr (+17% year on year), EBITDA margin 72.3% (−297 bps). Score 53 of 100, In line with trend. Revenue and EBITDA growth were in line with the company's own trend; profit growth was well below it. EBITDA margin fell 297 bps year on year. Revenue rose ₹96.0 cr on a year ago, more than the ₹74.0 cr it added the year before. Share price after the results: +2.5% in 30 days (Nifty 500: +0.7%).
  • Q1 FY26: Revenue ₹466 cr (+28% year on year), EBITDA ₹334 cr (+20% year on year), PAT ₹87.0 cr (+19% year on year), EBITDA margin 71.7% (−470 bps). Score 52 of 100, In line with trend. Revenue growth was above the company's own trend; EBITDA growth was in line with it; profit growth was below it. EBITDA margin fell 470 bps year on year. Revenue rose ₹102 cr on a year ago, more than the ₹72.0 cr it added the year before. Share price after the results: −6.0% in 30 days (Nifty 500: −1.4%).
  • Q4 FY25: Revenue ₹438 cr (+27% year on year), EBITDA ₹315 cr (+19% year on year), PAT ₹83.0 cr (+19% year on year), EBITDA margin 71.9% (−467 bps). Score 52 of 100, In line with trend. Revenue growth was above the company's own trend; EBITDA growth was below it; profit growth was well below it. EBITDA margin fell 467 bps year on year. Revenue rose ₹92.0 cr on a year ago, more than the ₹65.0 cr it added the year before. Share price after the results: +10.0% in 30 days (Nifty 500: +3.5%).
  • Q3 FY25: Revenue ₹410 cr (+21% year on year), EBITDA ₹303 cr (+17% year on year), PAT ₹80.0 cr (+25% year on year), EBITDA margin 73.9% (−198 bps). Score 50 of 100, In line with trend. Revenue growth was below the company's own trend; EBITDA growth was well below it; profit growth was in line with it. EBITDA margin fell 198 bps year on year. Revenue rose ₹70.0 cr on a year ago, against ₹78.0 cr the year before.
  • Q2 FY25: Revenue ₹384 cr (+24% year on year), EBITDA ₹289 cr (+23% year on year), PAT ₹78.0 cr (+26% year on year), EBITDA margin 75.3% (−55 bps). Score 66 of 100, Above trend. EBITDA margin fell 55 bps year on year. Not enough history for a trend yet: scored on growth alone.

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

MAS Financial Services Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.