Muthoot Capital Services Ltd
Muthoot Capital Services Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
FY '26 AUM growth guidance is around INR 4,500 crores (Page 15). For FY '26, Muthoot Capital expects provisions (credit cost) between INR 60-70 crores, similar to Q4 run rate, indicating stable credit costs.
From Muthoot Capital Services Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- FY '26 AUM growth guidance is around INR 4,500 crores (Page 15).
- Expectation to increase market share Pan-India from 1.8% to 3% in FY '26 (Page 14).
- Business plan assumes continued slippage rate similar to current levels, conservatively factored into ROA and ROE projections (Page 15-16).
- Focus on diversification: aiming for 40% of business through alternate products like used cars, CV loans, loyalty loans by FY '28, with visible growth starting FY '25 (Page 8).
- Digital channels expansion targeted to achieve 5% disbursement via digital platforms, driving efficiency and reach (Page 9).
- Segment-wise growth: 2-wheelers grew 56% YoY; 4-wheeler SBU grew 232% in FY '25, commercial vehicles loans initiated and growing (Page 5).
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Profitability & Margins
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Capital Expenditure Plans
- Muthoot Capital Services Limited is investing significantly in technology and data sciences to become digital-first, customer-centric, and data-driven.
- They are building multiple products on the Muthoot FinCorp ONE app, including loyalty loans, online FD journeys, and end-to-end 2-wheeler self-service journeys, expected to go live by end of Q1 FY '26.
- The company plans strategic expansion into used 2-wheelers, electric 2-wheelers, used cars, and new commercial vehicles, entering new growth trajectories.
- There's focus on leveraging the group’s extensive network (5,000+ branches, 60 lakh customers) for cross-selling and reducing customer acquisition costs.
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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 Muthoot Cap.Serv's management said in earlier quarters
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Frequently Asked Questions
What were Muthoot Capital Services Ltd Q4 FY25 results?
FY '26 AUM growth guidance is around INR 4,500 crores (Page 15). For FY '26, Muthoot Capital expects provisions (credit cost) between INR 60-70 crores, similar to Q4 run rate, indicating stable credit costs.
What is Muthoot Capital Services Ltd share price analysis?
Muthoot Capital Services Ltd currently shows a neutral. The stock trades at a P/E of 17.1 with a market cap of ₹430 Cr. Investors should review the full earnings analysis for detailed insights.
Is Muthoot Capital Services Ltd planning capital expenditure?
Muthoot Capital Services Limited is investing significantly in technology and data sciences to become digital-first, customer-centric, and data-driven.
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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.