Muthoot Capital Services Ltd (NSE:MUTHOOTCAP)

Q4 2025 Muthoot Capital Services Ltd Earnings Call Transcript

May 15, 2025 / 05:30 AM GMT

Release Date Price: ₹269.25 (-7.59%)

Transcript

Key Points

Positve

Muthoot Capital Services Ltd (BOM:511766) reported a significant year-on-year growth of 84% in business, with disbursements reaching an all-time high of 200,642 crore.
The company's AUM surpassed 3,000 crore for the first time, marking a 52% year-on-year increase.
The GNPA was reduced by 52% year-on-year, with a current GNPA of 4.88% and a high PCR of 60%.
The company has strategically expanded into used cars and commercial vehicle loans, aligning with evolving customer demands.
Muthoot Capital Services Ltd (BOM:511766) is leveraging technology and data-driven models to enhance its lending journey, including underwriting, operations, and collections.

Negative

The asset quality showed signs of stress, with a significant provision of 16 crore in the quarter, raising concerns about specific pain points or geographic issues.
The company's debt-to-equity ratio stands at 4.34 times, indicating a high level of leverage.
The borrowing cost is relatively high at 9.95%, which could impact profitability.
There was a notable increase in credit costs, which offset the growth achieved in the quarter.
The company's OpEx remains high despite having a considerable scale and co-lending partnerships, which could affect profitability in the long term.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

MUTH.NS - Muthoot Capital Services Ltd
Q4 2025 Muthoot Capital Services Ltd Earnings Call
May 15, 2025 / 05:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to Mu Capital Services Limited Q4 F 525 earnings conference call hosted by Elara Securities India Private Limited. As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call, please signal an operator by pressing 0 on your touchstone phone. Please note that this conference has been recorded. I now hand the conference over to Ms. Shweta Dataar.

Thank you and over to you, ma'am.

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Unidentified_2 [2]
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