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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Manappuram Finance (531213) investor relations material
Manappuram Finance Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary8 Aug, 2025
Executive summary
Gold loan portfolio increased to 65% of consolidated AUM, with a focus on higher ticket size customers and calibrated rate reductions to match market leaders.
Consolidated AUM reached ₹44,304 crore, up 3% QoQ but down 1.4% YoY; consolidated PAT was ₹132 crore, up 165% QoQ but down 76% YoY.
Interim dividend of 50 paisa per share declared for FY26, reflecting confidence in ongoing business performance.
New CEO appointed and board changes, including new Chairman and senior management restructuring.
Well-capitalized with a Tier 1 ratio of 28.7% and diversified funding sources.
Financial highlights
Standalone PAT for the quarter was ₹392 crore, down from ₹414 crore in Q4 FY25, mainly due to lower income from non-gold businesses.
Gold loan yields declined from 22.2% in Q4 FY25 to 20.7% in Q1 FY26 as part of a conscious strategy to align with market rates.
Cost of borrowings stable at 9.2%, with further reductions expected as banks lower MCLR rates.
Net interest income (consolidated) at ₹1,407 crore, down 3.9% QoQ and 14.2% YoY.
Earnings per share (EPS) for Q1 FY26 stood at ₹4.63 (basic and diluted) on a standalone basis.
Outlook and guidance
Gold loan yields expected to gradually reduce to 18% over the next 4–6 quarters, with AUM and customer base growth to offset yield compression.
Microfinance credit costs expected to decline by 30–40% in coming quarters, with profitability returning by year-end.
Continued focus on gold loans as core product, with calibrated growth in microfinance, housing, vehicle, and MSME loans.
Management expects FY26 to be better than previous years in terms of gold loan growth.
Interim dividend declared for FY26, reflecting confidence in ongoing business performance.
Gold loan yield cut: high-ticket customer growth?
Non-gold portfolio: secured book target & timeline?
Asirvad MFI: drivers for Q4 profitability?
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Next Manappuram Finance earnings date
Q2 25/267 Nov, 2025
Next Manappuram Finance earnings date
Q2 25/267 Nov, 2025
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