Muthoot Capital Services Ltd (NSE:MUTHOOTCAP)

Q4 2026 Muthoot Capital Services Ltd Earnings Call Transcript

May 11, 2026 / 05:30 AM GMT

Release Date Price: ₹209.51 (-6.73%)

Transcript

Key Points

Positve

Muthoot Capital Services Ltd (BOM:511766) achieved an AUM of 3,500 crores, reflecting steady expansion across core and emerging product segments.
The company has made significant progress in digital transformation initiatives, including AI-led interventions and automated collections.
Muthoot Capital Services Ltd (BOM:511766) has diversified its portfolio with encouraging traction in commercial vehicles, used cars, and loyalty loans.
The company has successfully reduced its cost of funds by 60 paisa, which is expected to positively impact future financial performance.
Muthoot Capital Services Ltd (BOM:511766) has a clear roadmap for growth, targeting Rs 3,000 crores of disbursement and deeper market penetration.

Negative

The company's GNPA increased to 6.96%, with a significant contribution from a corporate loan recognized as NPA.
There has been a significant degrowth in the co-lending portfolio, which decreased from 940 crores to 595 crores.
The profitability has been subdued due to increased operational expenses and investments in new verticals and digital infrastructure.
Equity investors have expressed concerns over the lack of dividends and capital appreciation over the past years.
The company's provisioning coverage ratio remains around 50%, raising concerns about balance sheet protection amidst high NPA levels.

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

MUTH.NS - Muthoot Capital Services Ltd
Q4 2026 Muthoot Capital Services Ltd Earnings Call
May 11, 2026 / 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 the Muthut Capital Service Limited Q4 FY26 earning conference call hosted by Elara Securities.

As a reminder, all participant lines will be 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 star then zero on your touch tone phone.

Please note that this conference has been recorded. I now hand the conference over to Mr. Manit Ki Mawat from Hilara Securities.

Thank you, Anur, to you, sir.

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