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Muthoot Microfin Limited Q4 FY25 results deck summary

NSE: MUTHOOTMF · BSE: 544055

Results deck of 8 May 2025, summarised by AI from the filing.

Management guides FY26 AUM growth 5%-10%, NIM 12.4%-12.7%, credit cost 4%-6%, RoA 0.5%-2%.

Key takeaways

  1. FY26 guidance Management guides FY26 AUM growth 5%-10%, NIM 12.4%-12.7%, credit cost 4%-6%, RoA 0.5%-2%.

Original filing on BSE

Muthoot Microfin Limited Q1 FY27 results

As filed: Revenue ₹669 cr (+20% year on year), EBITDA ₹362 cr (+60% year on year), PAT ₹81.3 cr (+300% year on year), EBITDA margin 54.2% (+1,000 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 ₹632 cr (+14% year on year), EBITDA ₹332 cr, PAT ₹71.1 cr, EBITDA margin 52.6% (+1,000 bps). Score 77 of 100, Above trend. Revenue growth was well above the company's own trend. EBITDA margin rose 1000 bps year on year. Share price after the results: −15.2% in 30 days (Nifty 500: −2.9%).
  • Q3 FY26: Revenue ₹603 cr (−11% year on year), EBITDA ₹299 cr (+19% year on year), PAT ₹62.4 cr (+300% year on year), EBITDA margin 49.6% (+1,000 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 above it. EBITDA margin rose 1000 bps year on year. Tax rate 10%. Share price after the results: −17.4% in 30 days (Nifty 500: −6.9%).
  • Q2 FY26: Revenue ₹576 cr (−14% year on year), EBITDA ₹258 cr (−22% year on year), PAT ₹31.0 cr (−50% year on year), EBITDA margin 44.8% (−498 bps). Score 7 of 100, Below trend. EBITDA margin fell 498 bps year on year. Not enough history for a trend yet: scored on growth alone. Share price after the results: +9.9% in 30 days (Nifty 500: +0.7%).
  • Q1 FY26: Revenue ₹559 cr (−12% year on year), EBITDA ₹227 cr (−42% year on year), PAT ₹6.0 cr (−95% year on year), EBITDA margin 40.6% (−1,000 bps). Score 0 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Tax rate 0%. Not enough history for a trend yet: scored on growth alone. Share price after the results: +9.3% in 30 days (Nifty 500: +1.9%).
  • Q4 FY25: Revenue ₹555 cr (−14% year on year), EBITDA −₹290 cr (−170% year on year), PAT −₹401 cr (−300% year on year), EBITDA margin -52.3% (−1,000 bps). Score 3 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Revenue fell 19% from last quarter. Share price after the results: −12.3% in 29 days (Nifty 500: +6.1%).
  • Q3 FY25: Revenue ₹681 cr (+17% year on year), EBITDA ₹252 cr (−32% year on year), PAT ₹4.0 cr (−97% year on year), EBITDA margin 37.0% (−1,000 bps). Score 25 of 100, Below trend. EBITDA margin fell 1000 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 94% from last quarter.
  • Q2 FY25: Revenue ₹667 cr, EBITDA ₹332 cr, PAT ₹62.0 cr, EBITDA margin 49.8%. Not scored. No result for the same quarter last year.

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

Muthoot Microfin Limited earnings call, investor presentation and press release summaries

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