MAS Financial Services Limited has informed the Exchange about Transcript
MASFIN · price
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Awaiting price reaction for this filing.
MAS Financial Services reported consolidated AUM of Rs. 12,850 crore (~20% YoY growth) and crossed the Rs. 300 crore consolidated PAT milestone for FY25. Standalone PAT grew 23.48% YoY to Rs. 306 crore, while Q4 standalone PAT rose ~19% to Rs. 80.82 crore. Asset quality remained stable with Net Stage-3 at 1.62% and capital adequacy strong at 24.72% (Tier-1 at 22.58%). Management announced a final dividend of Rs. 0.70 per share, taking total payout to 17% on face value. Housing finance subsidiary grew AUM 29% with PAT up ~26% and Net Stage-3 at 0.65-0.70%. The company reiterated 20-25% AUM growth guidance for FY26, ROA target of 2.75-3% in the medium-to-long-term, and a multi-year AUM target of Rs. 20,000 crore in 3.5-4 years. Management expects 25-35 bps reduction in cost of borrowing for FY26 following RBI rate cuts, which should support NIM expansion.
Positive signals for shareholders: consistent profit growth crossing Rs. 300 crore mark, stable asset quality, strong capital adequacy, and clear forward guidance on both growth (20-25%) and profitability (ROA 2.75-3%). Expected decline in borrowing costs should boost margins in FY26. Stock may get positive traction given the visible multi-year growth path and prudent risk management.