Manappuram Finance Ltd
Manappuram Finance Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Consolidated AUM Growth: Targeting around 20% growth in FY'26 across gold loans and other segments including vehicle SME and housing portfolios. The company targets consolidated AUM growth of about 20%, with growth expected across gold loans, vehicle finance, MSME, and housing portfolios.
From Manappuram Finance Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Consolidated AUM Growth: Targeting around 20% growth in FY'26 across gold loans and other segments including vehicle SME and housing portfolios.
- Gold Loan Portfolio: Expected to grow over 20% in the current financial year, supported by digital onboarding and rural demand.
- Microfinance Portfolio: Anticipated to decline to about 10% of the consolidated book by year-end due to strategic focus shift.
- Vehicle Finance & MSME: Growth targeted around 20%, following consolidation and strengthened underwriting.
- Loan Yield & Margins: Yield expected to moderate due to competitive pressure, but growth and capital leverage will aim to maintain ROE around 18%.
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Profitability & Margins
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Capital Expenditure Plans
- Bain Capital is infusing capital into Manappuram Finance Limited, with an 18% stake via equity (9%) and convertible warrants (9%) coming into the parent company.
- The capital infusion is not exclusively for gold loans but primarily targets growth in gold loans, secured MSME lending, and affordable housing.
- Capital requirements for subsidiaries will be met from the parent company as per projected growth plans; no fixed amount allocated upfront.
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Manappuram Finance Ltd's management said in earlier quarters
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Frequently Asked Questions
What were Manappuram Finance Ltd Q4 FY25 results?
Consolidated AUM Growth: Targeting around 20% growth in FY'26 across gold loans and other segments including vehicle SME and housing portfolios. The company targets consolidated AUM growth of about 20%, with growth expected across gold loans, vehicle finance, MSME, and housing portfolios.
What is Manappuram Finance Ltd share price analysis?
Manappuram Finance Ltd currently shows a neutral. The stock trades at a P/E of 34.4 with a market cap of ₹34,154 Cr. Investors should review the full earnings analysis for detailed insights.
Is Manappuram Finance Ltd planning capital expenditure?
Bain Capital is infusing capital into Manappuram Finance Limited, with an 18% stake via equity (9%) and convertible warrants (9%) coming into the parent company.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.