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Investor Relations14 Oct 2025
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Mahindra & Mahindra Financial Services (M&MFIN) investor relations material
Mahindra & Mahindra Financial Services Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary22 Jul, 2025
Executive summary
Q1FY26 performance was stable, with 1% disbursement growth to Rs 12,808 crore, AUM up 15% to Rs 1,22,008 crore, and total income up 18% to Rs 4,438 crore.
PAT increased 3% year-over-year to Rs 530 crore, with credit costs rising to 1.9% of average total assets.
Asset quality remained stable, with Gross Stage 3 assets at 3.8% of AUM and coverage ratio at 51.4%.
Rights issue of ~Rs 3,000 crore completed, boosting Tier-1 capital adequacy to 17.9%.
Major tech migration completed, moving loan management to a new cloud-based system to enhance digital capabilities.
Financial highlights
Standalone total income grew 18% year-over-year to Rs 4,438 crore; consolidated total income up 15% to Rs 5,013 crore.
Pre-provisioning operating profit rose 19% year-over-year to Rs 1,353 crore; consolidated PAT up 6% to Rs 529 crore.
Net Interest Margin (NIM) stable at 6.5-6.7%, with positive trends expected as cost of funds and pricing improve.
Cost-to-income ratio at 41.3% for Q1FY26, with Return on Assets at 1.6% and Return on Net Worth at 9.8%.
PAT includes a recurring INR 46 crore dividend from MIBL, with surplus cash remaining post-payout.
Outlook and guidance
Management maintains a mid-term aspiration for mid-teen growth in disbursements and book, with a 15% ROE target.
Focus on defending and growing leadership in vehicle finance, expanding SME, leasing, and fee income streams.
Continued emphasis on asset quality, risk management, and efficiency gains through digital and AI initiatives.
Credit cost guidance for the full year is 1.3% to 1.7%, with GS2+GS3 targeted below 10%.
Optimism for growth in the remainder of the year, driven by rural tailwinds, favorable policy, and festival season.
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Next Mahindra & Mahindra Financial Services earnings date
Q2 25/2628 Oct, 2025
Next Mahindra & Mahindra Financial Services earnings date
Q2 25/2628 Oct, 2025
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Frequently asked questions
Mahindra & Mahindra Financial Services Limited is an India-based non-banking financial company (NBFC) that provides financial products and services primarily in rural and semi-urban areas. The company offers loans for utility vehicles, tractors, commercial vehicles, and two-wheelers, along with personal loans, SME financing, insurance broking, and mutual fund distribution. It serves individual and enterprise customers through an extensive network across India. The company is part of the Mahindra Group. Mahindra & Mahindra Financial Services Limited is headquartered in Mumbai, India, and its shares are listed on the NSE.
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