Muthoot Microfin Limited has informed the Exchange about Investor Presentation
MUTHOOTMF · price
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Awaiting price reaction for this filing.
Muthoot Microfin reported a sharp swing to losses in FY25, with a PAT of -₹2,225 Mn versus a profit of ₹4,496 Mn in FY24, dragged by a ₹2,296 Mn management overlay for Karnataka crisis and other macro stress. Asset quality deteriorated sharply with GNPA rising to 4.84% (+255 bps YoY) and NNPA at 1.34%. AUM grew modestly at 1.3% YoY to ₹1,23,567 Mn while disbursements fell 16.8% YoY to ₹88,725 Mn. Q4 FY25 alone posted a loss of -₹4,011 Mn (vs profit of ₹1,198 Mn a year ago), with income declining 13.8% YoY. Total income for FY25 rose 13.7% YoY to ₹25,644 Mn and PPOP grew 15% to ₹8,676 Mn, but heavy credit costs (9.36% including overlay) wiped out profits. Management has guided for a return to profitability in FY26, targeting AUM growth of 5-10%, credit cost normalizing to 4-6%, and RoA of 0.5-2%.
The FY25 loss and weak asset quality reflect significant one-time stress from Karnataka and sector-wide headwinds; FY26 guidance points to recovery, but stock may stay volatile until collection efficiency and GNPA trends show sustained improvement.