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Manappuram Finance
Manappuram Finance (531213) investor relations material
Manappuram Finance Q4 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 25/26 earnings summary4 May, 2026
Executive summary
Q4 FY26 saw strong performance with consolidated AUM reaching ₹63,798 crore, up 22.4% QoQ and 48.3% YoY, led by robust gold loan growth and disciplined risk management amid a stable but competitive NBFC environment.
Gold loan AUM surged 99.1% YoY and 31.5% QoQ to ₹50,953 crore, now constituting 80% of consolidated AUM, with stable LTV at 57%.
PAT for Q4 FY26 was ₹405 crore, up 69.7% QoQ, while FY26 PAT was ₹993 crore, down 17.5% YoY; asset quality improved across segments.
Audited standalone and consolidated financial results for Q4 and FY ended March 31, 2026, were approved, with an unmodified audit opinion from statutory auditors.
Significant equity infusion: ₹2,192.47 crore from BC Asia Investments XXV Limited and ₹548.11 crore from BC Asia Investments XIV Limited via share warrants.
Financial highlights
Q4 FY26 consolidated revenue: ₹2,614 crore, up 10.7% YoY and 11% QoQ; FY26 consolidated revenue: ₹9,409 crore; PAT: ₹993 crore, down 17.5% YoY.
Consolidated total income for FY 2025-26 was ₹9,524.68 crore, down from ₹10,031.15 crore in FY 2024-25.
Q4 consolidated AUM: ₹63,798 crore, up 22.4% QoQ and 48.3% YoY.
Standalone PAT for Q4: ₹376 crore, down 1.5% QoQ and 9.4% YoY, impacted by a one-time vehicle loan write-off of ₹84 crore.
Fourth interim dividend of ₹0.50 per equity share declared for FY 2025-26; total interim dividends for the year aggregate to ₹2.00 per share.
Outlook and guidance
Expecting continued momentum in gold loans, supported by new regulatory guidelines and branch expansion (500-550 new branches planned).
Microfinance portfolio expected to stabilize further, with new book collection efficiency above 99% and old book runoff by Q3 FY27.
Targeting consolidated ROE improvement to 13%-16% in the next 1-2 years, with a long-term goal above 15%.
Focus on expanding gold loan market share, leveraging technology and process innovation.
The company will continue to monitor the impact of new labour codes and make necessary adjustments as rules are finalized.
Asirvad Micro Finance covenant breach impact
Vehicle Finance technical write off rationale
BC Asia equity and warrant issuance terms
New gold loan guidelines impact on LTV and growth
Asirvad profit sustainability post-ECL write-backs
Cleanup cycle in vehicle and MSME portfolios
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Latest events from Manappuram Finance
- Gold loan growth drove AUM and PAT gains, with digital and structural reforms supporting future outlook.531213
Q3 25/263 Feb 2026 - AUM up 21.2% YoY, net profit rises 11.7% YoY, with robust growth and strong capital position.531213Q1 24/252 Feb 2026
- AUM up 17.4% YoY to ₹45,715 crore; net profit at ₹572 crore; regulatory actions impact microfinance.531213Q2 24/2516 Jan 2026
- Q3 FY25 profit fell 51.6% YoY to INR 278 crore amid microfinance losses and write-offs.531213Q3 24/258 Jan 2026
- Gold loan AUM rose 18.7% YoY; profit fell on microfinance losses, but capital remains strong.531213Q4 24/257 Jan 2026
- Gold loan growth lifted AUM, but microfinance losses and asset quality pressures persisted.531213Q1 25/266 Jan 2026
- Gold loan-led AUM growth and profit, but microfinance losses and strong capital adequacy.531213Q2 25/2616 Dec 2025
Next Manappuram Finance earnings date
Q1 26/277 Aug, 2026
Manappuram Finance
Next Manappuram Finance earnings date
Q1 26/277 Aug, 2026
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