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Muthoot Microfin Limited MUTHOOTMF NSEFINANCIAL

Financial Services · Credit Services · India
https://muthootmicrofin.com
Company Profile ↓
₹161.67
+9.50% 1Y
Mkt Cap₹2,712.28 Cr
P/E11.13
P/B0.99
52W High₹255.81
52W Low₹145.46
Book Value₹170.14
EPS (TTM)₹14.52

Company Overview

Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, Suvidha, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. The company was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited operates as a subsidiary of Muthoot Fincorp Limited.

Why Investors Should Care

Steady Revenue Expansion

Revenue has grown at a 19.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 11.1, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 21.0%.

Recent Developments

  • Mar 2026 Revenue of ₹2,205.64 Cr (-9.2% YoY); net profit ₹170.27 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +48.3%, earnings +1241.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 19.5%, profit CAGR 1.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:19.55%
1 Year:48.30%

Compounded Profit Growth

5 Years:1.28%
1 Year:1,241.70%

Stock Price Performance

1 Year:+9.50%
6 Months:-14.46%
3 Months:-35.39%
1 Month:-14.59%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 15% of range
₹145.46 ₹255.81
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)28.27 · Oversold
Price Performance
1M-14.59%
3M-35.39%
6M-14.46%
1Y+9.50%
Valuation vs Sector

P/E of 11.13 is below the sector median of 15.36 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.0%.
  • Compounding revenue at 19.5% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading 36.8% below its 52-week high.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.13
Industry PE
15.36
Forward P/E
5.32
PEG Ratio
-
Book Value
₹170.14
Price to Book
0.99
P/S
2.41
EV/EBITDA
47.31
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
19.55%
Profit 5Y
1.28%
Revenue (YoY)
48.30%
Earnings (YoY)
1,241.70%

Profitability & Returns

ROCE
3.13%
ROE
5.97%
ROA
1.34%
Profit Margin
20.95%
Op Margin
32.11%
Gross Margin
98.13%
EPS (Latest Qtr)
₹4.24
EPS (TTM)
₹14.52

Balance Sheet & Liquidity

Debt/Equity
3.41
Quick Ratio
2.13
Current Ratio
1.31
Debt
₹9,740.39 Cr
Total Assets
₹12,684.81 Cr
Current Assets
₹7,122.93 Cr
Working Capital
₹1,702.06 Cr

Ownership

Promoter Holding
73.37%
Chg in Prom Hold
-
FII / Inst Holding
7.92%
Chg in FII Hold
0.06%

Financial Snapshot

Enterprise Value
₹2,712.28 Cr
Total Revenue (TTM)
₹1,171.47 Cr
EBITDA
₹270.37 Cr
Free Cash Flow
₹-591.18 Cr
Operating Cash Flow
₹-580.33 Cr
Shares Outstanding
₹16.78 Cr
Gross Margin
98.13%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MUTHOOTMF Muthoot Microfin Limited NSEFINANCIAL 161.67 11.13 ₹2,712.28 Cr 0.00% 3.13% 5.97% 19.55% 1.28%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 652.89 Cr544.08 Cr530.04 Cr542.53 Cr604.27 Cr
Cost of Revenue 379.10 Cr369.72 Cr367.55 Cr374.48 Cr386.79 Cr
Gross Profit 273.79 Cr174.36 Cr162.50 Cr168.05 Cr217.48 Cr
Operating Expenses 50.05 Cr56.20 Cr53.01 Cr55.56 Cr59.31 Cr
Operating Income 223.74 Cr118.16 Cr109.49 Cr112.49 Cr158.17 Cr
EBITDA 234.68 Cr129.34 Cr120.49 Cr122.94 Cr168.84 Cr
Interest Expense -----
Pretax Income 5.07 Cr-521.71 Cr5.76 Cr69.11 Cr96.94 Cr
Tax Provision 1.26 Cr-120.56 Cr-42.30 L6.66 Cr25.81 Cr
Net Income 3.80 Cr-401.15 Cr6.18 Cr62.44 Cr71.12 Cr
Diluted EPS 0.22-23.540.363.664.24

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -1,291.04 Cr1,984.41 Cr2,430.13 Cr2,205.64 Cr
Cost of Revenue -851.34 Cr1,271.80 Cr1,410.41 Cr1,416.18 Cr
Gross Profit -439.70 Cr712.61 Cr1,019.71 Cr789.46 Cr
Operating Expenses -181.30 Cr228.86 Cr892.13 Cr396.63 Cr
Operating Income -258.40 Cr483.75 Cr127.59 Cr392.83 Cr
EBITDA -252.37 Cr633.30 Cr-227.50 Cr270.37 Cr
Interest Expense 9.67 Cr12.89 Cr16.02 Cr18.57 Cr18.33 Cr
Pretax Income -212.87 Cr581.84 Cr-288.90 Cr208.91 Cr
Tax Provision -48.98 Cr132.26 Cr-66.38 Cr38.64 Cr
Net Income -163.89 Cr449.58 Cr-222.52 Cr170.27 Cr
Diluted EPS -9.6130.25-13.2910.15

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -8,529.20 Cr11,590.23 Cr10,857.02 Cr12,684.81 Cr
Current Assets -5,378.54 Cr7,659.89 Cr6,631.16 Cr7,122.93 Cr
Cash & Equivalents -759.46 Cr927.65 Cr697.25 Cr701.15 Cr
Inventory -----
Receivables --14.52 Cr19.41 Cr11.64 Cr
Total Liabilities -6,903.35 Cr8,785.87 Cr8,224.79 Cr9,830.49 Cr
Current Liabilities -4,023.18 Cr5,333.88 Cr4,696.61 Cr5,420.87 Cr
Long Term Debt -2,764.99 Cr3,300.28 Cr3,366.02 Cr4,269.39 Cr
Total Debt -6,623.12 Cr8,589.29 Cr8,101.34 Cr9,707.25 Cr
Total Equity -1,625.85 Cr2,804.35 Cr2,632.23 Cr2,854.31 Cr
Shares Outstanding -16.70 Cr17.05 Cr17.05 Cr17.05 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --2,332.88 Cr-1,271.69 Cr1,382.03 Cr-580.33 Cr
Investing Cash Flow --180.03 Cr-225.33 Cr-127.79 Cr-41.39 Cr
Financing Cash Flow -2,566.54 Cr1,671.02 Cr-1,484.64 Cr625.62 Cr
Capital Expenditure --28.18 Cr-27.63 Cr-20.84 Cr-10.85 Cr
Free Cash Flow --2,361.06 Cr-1,299.33 Cr1,361.19 Cr-591.18 Cr
Net Change in Cash -53.63 Cr174.00 Cr-230.40 Cr3.90 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -34.1%35.9%42.0%35.8%
Operating Margin % -20.0%24.4%5.3%17.8%
Net Margin % -12.7%22.7%-9.2%7.7%
ROE % -10.1%16.0%-8.5%6.0%
ROCE % -5.7%7.7%2.1%5.4%

Shareholding Pattern

Insiders
73.37%
Institutions
7.92%
Public Float
29.73%

Analyst View

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Latest News

Recent headlines for MUTHOOTMF

Google News Fri, 07 Aug 2026

Muthoot Microfin Ltd (NSE:MUTHOOTMF) (Q1 2027) Earnings Call Highlights: Record Disbursements ... - Yahoo Finance

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Google News Fri, 26 Jun 2026

MUTHOOTMF Forecast — Price Target — Prediction for 2027 - TradingView

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Google News hu, 08 Oct 2026

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Google News hu, 13 Aug 2026

Muthoot Microfin (NSEI:MUTHOOTMF) Stock Price - Simply Wall Street

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Google News ue, 06 Oct 2026

Muthoot Microfin (MUTHOOTMF.NS) Edges Lower to ₹174.01 as Stock Hovers Near Key Support - Backspread Trade - siam.in

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Google News Sat, 03 Jan 2026

Muthoot Microfin Ltd. Share Price Today - Muthoot Microfin Ltd. Stock Price Live NSE/BSE - CNBC TV18

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MUTHOOTMF — Frequently Asked Questions

What is the current share price of Muthoot Microfin Limited (MUTHOOTMF)?

As of 2026-10-23 04:58 IST, Muthoot Microfin Limited (MUTHOOTMF) trades at ₹161.67 on NSE. Its 52-week range is ₹145.46 to ₹255.81.

What is the market capitalisation of MUTHOOTMF?

Muthoot Microfin Limited (MUTHOOTMF) has a market capitalisation of ₹2,712.28 Cr on NSE.

What is the P/E ratio of MUTHOOTMF?

MUTHOOTMF trades at a trailing price-to-earnings (P/E) ratio of 11.13. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 0.99.

What is the return on equity (ROE) of MUTHOOTMF?

MUTHOOTMF has a return on equity (ROE) of 5.97%. Its return on capital employed (ROCE) is 3.13%.

Is MUTHOOTMF a good stock to buy?

This page provides a data-driven analysis of Muthoot Microfin Limited (MUTHOOTMF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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