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Muthoot Microfin Limited Q2 FY26 earnings call summary

NSE: MUTHOOTMF · BSE: 544055

Earnings call of 6 Nov 2025, summarised by AI from the filing.

Muthoot Microfin Q2 FY26 profit ₹30 cr, credit cost 3.6%, guides FY27 credit cost 2.25-2.5%.

Key takeaways

  1. Profit Q2 FY26 profit ₹30 cr (Q1 FY26: ₹6 cr), with total comprehensive income ₹55.9 cr.
  2. Guidance FY27 credit cost guided at 2.25-2.5% in a normal scenario; ROA target 2%.
  3. Change Credit cost fell to 3.6% from 4.3% in Q1 FY26.
  4. Driver Portfolio diversification into Individual Loan, Micro LAP and Gold Loan.
  5. Risk Branch rationalization and employee exits may disrupt operations.

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.