Manappuram Finance's Q4 FY 2025-26 Quarterly Results

Result Summary

• Manappuram Finance Ltd reported a 11.3% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 11.1%.
• Its expenses for the quarter were up by 8.5% QoQ and 9.9% YoY.
• The net profit increased 69.7% QoQ and decreased 299.2% YoY.
• The earnings per share (EPS) of Manappuram Finance Ltd stood at 4.76 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

---

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Manappuram Finance Ltd is a well-established financial services company in India, primarily involved in providing gold loans, microfinance, housing finance, and other related financial services. The company operates within the non-banking financial company (NBFC) sector, focusing heavily on leveraging gold as a secure asset to offer financial solutions. The company has a significant presence in the Indian market, offering a range of financial products designed to meet the needs of different consumer segments. Manappuram Finance Ltd has been actively expanding its portfolio and adapting its strategies to meet the dynamic economic environment and regulatory landscape.

Revenue

In Q4FY26, Manappuram Finance Ltd reported a total income of ₹2625.58 crores, representing an 11.3% increase from the previous quarter (Q3FY26) where the income stood at ₹2358.89 crores. Compared to the same quarter in the previous year (Q4FY25), the total income rose by 11.1%, up from ₹2363.25 crores. This consistent rise in revenue over both the quarterly (QoQ) and yearly (YoY) periods highlights the company's ability to enhance its income-generating capabilities. The growth in total income can be attributed to the company's strategic initiatives and its robust presence in the financial services sector.

Profitability

For the quarter ending Q4FY26, Manappuram Finance Ltd recorded a profit before tax (PBT) of ₹563.81 crores, showing a substantial quarterly increase of 86.2% from ₹302.85 crores in Q3FY26. Year-over-year, this figure has drastically improved from a loss of ₹235.88 crores in Q4FY25. The tax expense for Q4FY26 was ₹159.02 crores, experiencing a significant rise from ₹64.31 crores in the previous quarter and recovering from a negative tax expense in Q4FY25. Consequently, the profit after tax (PAT) for Q4FY26 was ₹404.79 crores, a 69.7% increase from Q3FY26's ₹238.54 crores and a notable improvement from a loss of ₹203.18 crores in Q4FY25. Earnings per share (EPS) also rose to ₹4.76 in Q4FY26 from ₹2.82 in the previous quarter, marking a remarkable turnaround from a negative EPS of ₹-2.40 in Q4FY25.

Operating Metrics

The financial data does not provide specific operating metrics such as loan book size, asset quality indicators, or other non-financial measures typically used to gauge operational performance. However, a review of the financial results indicates that the company has managed to increase its total expenses to ₹1846.19 crores in Q4FY26 from ₹1701.97 crores in Q3FY26, reflecting an 8.5% rise. Compared to Q4FY25, this is a 9.9% increase from ₹1679.92 crores. Despite rising expenses, the increase in total income and profitability metrics indicates the company's operational efficiency and financial resilience. The focus remains on maintaining a balance between income growth and expense management to achieve sustainable profitability.