What was MAS Financial Services's revenue in Q4 FY26?

MAS Financial Services reported revenue of ₹516 Cr in Q4 FY26, a +23.86% change year-over-year.

Did MAS Financial Services management deliver on previous promises?

Scorecard data is being built as historical quarters are processed.

MAS Financial Services Q4 FY26 Research Workspace: Revenue ₹516 Cr (+23.86%)

Q: What guidance did MAS Financial Services management give?

AUM growth target of 20-25% for FY27: Management expects to grow AUM at 20-25% in FY27, consistent with historical performance, prioritizing risk management and profitability.

Revenue ₹516 Cr +23.86%

EBITDA —

PAT ₹104 Cr +25%

EBITDA Margin —

Duration 55 min

Read Time 1 min read

✓ Verified against BSE filing

2-Minute Summary

✦ AI-Generated from Full Transcript

MAS Financial delivered a strong Q4 FY26 with consolidated PAT of ₹104 crore (+25% YoY) and AUM crossing ₹15,000 crore (+19% YoY). Growth was driven by MSME (70% of book) and two-wheeler loans (+35% YoY), while asset quality remained stable with net NPA at 1.70% (standalone) and 0.68% (housing). Management guided for 20-25% AUM growth in FY27, with housing finance targeting 30-35% growth. Cost of borrowing declined 42bps YoY to 9.39%, with further improvement expected. Credit cost is guided at 1-1.25% of AUM. A key risk is potential inflationary pressure from crude prices impacting borrower repayment capacity, especially in CV and logistics segments.

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Risk Intelligence

Inflationary pressure from crude prices

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Quarter Snapshot

AUM ₹15,034 Cr

+19% YoY

Consolidated assets under management crossed ₹15,000 crore milestone.

Two-wheeler loan book ₹1,063 Cr

+35% YoY

Fastest growing segment, yields 19-23%, contributing to yield improvement.

Cost of borrowing 9.39%

-42bps YoY

Average cost of borrowing declined on daily average balance basis.

Capital adequacy ratio 22.84%

flat

Strong capital position with Tier I at 21.50%, well above regulatory requirement.

Fast read

Guidance and risk preview

Top guidance AUM growth target of 20-25% for FY27

Management expects to grow AUM at 20-25% in FY27, consistent with historical performance, prioritizing risk management and profitability.

Top risk Inflationary pressure from crude prices

Rising crude prices could impact borrower repayment capacity, especially in logistics and transport segments, potentially reversing asset quality i...