Muthoot Microfin earnings calls.

Muthoot Microfin delivered a strong Q3 FY26 with ₹605 croreCurrent reported value: ₹605 crore. No comparable prior figure is available in the source record. revenue and ₹62 crore PATCurrent reported value: ₹62 crore PAT. No comparable prior figure is available in the source record., driven by robust disbursement recovery to ₹850 crore per monthCurrent reported value: ₹850 crore per month. No comparable prior figure is available in the source record. (targeting ₹1,000 crore/monthCurrent reported value: ₹1,000 crore/month. No comparable prior figure is available in the source record. in Q4). AUM reached ₹13,078 croreCurrent ₹13,078 crore. Reported change: +5.4% YoY. (+5.4% YoY), with PAR 1-90 improving 120bps to 5.9%Current 120bps to 5.9%. Reported change: -120bps YoY. and collection efficiency at 94.8%Current 94.8%. Reported change: +150bps QoQ. (+150bps QoQ). Operating cost ratio fell from 7% to 6.5%Current reported value: 6.5%. No comparable prior figure is available in the source record. via branch rationalization (66 of 82 branches merged) and digital collection expansion (individual loan portfolio at ₹1,097 croreCurrent ₹1,097 crore. Reported change: New Product Growing. with near-zero delinquency and 9% bounce rate). Credit cost of 3.3%Current reported value: 3.3%. No comparable prior figure is available in the source record. for Q3 is well below 4-6% guidance range, supporting ROA of 1.9%Current reported value: 1.9%. No comparable prior figure is available in the source record.. The company targets ₹14,000 crore AUMCurrent reported value: ₹14,000 crore AUM. No comparable prior figure is available in the source record. by FY26 year-end (14% growth vs 5-10% guidance) and ₹17,000 croreCurrent reported value: ₹17,000 crore. No comparable prior figure is available in the source record. in FY27 (20% growth), with JLG/non-JLG mix improving to 70:30Current reported value: 70:30. No comparable prior figure is available in the source record.. Key risks include 95% unsecured portfolio exposure and regulatory headwinds in certain states, though management expects 3% ROA in FY27 with credit cost normalizing to 2-2.5%Current reported value: 2-2.5%. No comparable prior figure is available in the source record. range.