Muthoot Microfin Q1 FY26 Results | Concall Insights & Stock Valuation Explained!

Описание: Muthoot Microfinance has announced its Q1 FY26 results, marking a key step in its turnaround journey. In this video, we break down the numbers, concall highlights, and stock valuation.

Key Q1 FY26 Highlights:

Disbursements: ₹1,775 crores across 3.1 lakh loans (down ~19% YoY)

AUM: ₹12,252 crores with 34.1 lakh borrowers

New Branches: 27 branches opened (expansion in Assam, Telangana, and Andhra Pradesh)

Diversification: Launched Micro LAP, Gold Loans, and Individual MSME Loans

Margins: NIM improved to 11.5% (vs. 10.9% in Q4)

Profit: ₹6.2 crores (₹8 crores including OCI) – a modest but positive turnaround

Asset Quality: GNPA stable at 4.5%, NNPA at 1.58%

Provisioning: Coverage ratio ~97%, credit cost down to 4.3% (vs. 9.4% in FY25)

Guidance: Management expects lower credit costs, improved collections, and stronger profitability in coming quarters.

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