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Mahindra & Mahindra Financial Services (M&MFIN) investor relations material
Mahindra & Mahindra Financial Services Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary28 Oct, 2025
Executive summary
Q2 FY26 saw improved momentum in the wheels business, especially tractors, aided by GST changes and festive demand, with expectations of continued growth into H2.
Achieved 3% year-over-year growth in Q2FY26 disbursements, reaching ₹13,514 crore, and AUM rose 13% YoY to ₹1,27,246 crore.
Net profit after tax increased 54% YoY to ₹569 crore for Q2FY26, with PAT for H1 reaching INR 1,100 crore.
Asset quality remained stable with GS2+GS3 at 9.7%, Gross Stage 3 at 3.9%, and credit cost guidance maintained at 1.7% for the full year.
Capital adequacy remains strong at 19.5%, with Tier I at 16.9%.
Financial highlights
AUM grew 13% and income grew 14% year-over-year; NIM expanded from 6.5% to 7%.
Total income for Q2FY26 grew 14% YoY to ₹4,489 crore; standalone revenue from operations for Q2 FY2026: ₹4,472.67 crore.
Pre-provisioning operating profit (PPOP) increased 25% YoY to ₹1,499 crore.
PAT for H1 increased 25% YoY, reaching INR 1,100 crore.
Cost-to-income ratio for H1FY26 stood at 41.7%; ROA for H1FY26 was 1.6%, and RONW was 10.3%.
Outlook and guidance
Management expects continued momentum in H2, especially in passenger vehicles and tractors, driven by GST benefits and festive demand.
Focus on defending and growing leadership in vehicle financing, expanding SME, leasing, and fee income streams.
Continued emphasis on asset quality, risk management, and efficiency gains through digital and AI initiatives.
Disbursement growth is targeted at a minimum 15% CAGR in the medium term.
Targeting stronger RoA and RoE outcomes and turnaround in affordable housing segment.
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Next Mahindra & Mahindra Financial Services earnings date
Investor Day 202520 Nov, 2025
Next Mahindra & Mahindra Financial Services earnings date
Investor Day 202520 Nov, 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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