Investor Presentation - Capital Markets Day 2026
MUTHOOTMF · price
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Muthoot Microfin hosted its Capital Markets Day 2026 presenting its strategic transformation from a JLG-dominated microfinance company to a diversified retail lending franchise. The company unveiled 'Vision 30/30' targeting ₹30,000 crore AUM by 2030 with 21% CAGR, ROA of 5%+ and ROE of 20%+. Q4 FY'26 showed strong performance with AUM at ₹1,40,056 million (up 13.3% YoY), PAT of ₹711 million (up 117.7% YoY), and ROA improving by 1510 bps to 2.1%. Asset quality improved significantly with GNPA at 3.89% (down 95 bps YoY) and NNPA at 1.14%. The portfolio is strategically shifting from microfinance (JLG) toward secured lending products like MSME loans, gold loans, and property-backed loans, with the new Muthoot Small Enterprise Loan already contributing 17% of AUM with nil delinquency and 100% collection efficiency.
The strategic shift toward higher-ticket secured lending and explicit multi-year targets (ROA 5%+, ROE 20%+) signal a quality-focused growth trajectory that could improve profitability and reduce risk profile, making the stock attractive for investors seeking exposure to evolving NBFC/microfinance sector.