Muthoot Capital Services Limited has informed the Exchange about Investor Presentation
MUTHOOTCAP · price
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Muthoot Capital Services, an NBFC focused on two-wheeler and vehicle finance, reported FY25 AUM of ₹3,058 Cr, up 52% year-on-year, crossing the ₹3,000 Cr milestone. Annual disbursements grew 84% YoY to ₹2,642 Cr, with retail loans contributing the bulk of growth. However, profitability weakened: FY25 PAT fell to ₹46.31 Cr from ₹122.49 Cr in FY24 (which had a one-time exceptional gain of ₹95.85 Cr), and Q4 FY25 PBT dropped sharply to ₹6.98 Cr from ₹17.29 Cr in Q3. Asset quality improved significantly, with GNPA falling to 4.88% from 10.17% a year ago, helped by a ₹95.60 Cr ARC sale in Q2. The company carries a debt-equity ratio of 4.34x and CRAR of 22.36%, with promoter holding at 62.62%.
Strong AUM and disbursement growth are positive, but rising borrowing costs (now 9.95% vs 8.74% two years ago) and falling yields have compressed spreads, hurting quarterly profits. Investors should watch whether margin pressure stabilises; near-term stock reaction may be muted given the weak Q4 profitability despite improving asset quality.