Muthoot Microfin Q1 FY27 Results (NSE: MUTHOOTMF)
Signal: Earnings grew
The read
Muthoot Microfin delivered a strong Q1FY27 with revenue up 19.3% YoY, PAT up 24.6%, and EBITDA margin expanding 280bps to 65% as operating leverage kicked in. AUM grew 17.5% YoY, indicating healthy demand in microfinance. The company remains on track for its long-term targets.
| Metric | Value | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹984.73 Cr | 19.34% | N/A |
| EBIT | ₹609.26 Cr | 20.61% | |
| Net profit | ₹329 Cr | 24.55% | |
| EPS | ₹6.58 | 24.62% | |
| EBIT margin | 61.87% |
P&L walk
Revenue up 19.3% YoY driven by AUM growth; EBITDA margin expanded 280bps to 65% as operating expenses grew slower than revenue; PAT grew 24.6% in line with operating performance.
Segments
Single segment microfinance, driving all revenue and profit.
Key positives
- Revenue growth of 19.3% YoY driven by AUM expansion (17.5% YoY).
- PAT growth of 24.6% YoY, outpacing revenue growth.
- EBITDA margin expanded 280bps YoY to 65%, reflecting operating leverage.
- Cost-to-income ratio improved to 39.01% from 39.61% a year ago.
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