Share Price and Basic Stock Data
Last Updated: October 10, 2025, 1:51 am
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Muthoot Microfin Ltd, a player in the microfinance sector, reported sales of ₹1,429 Cr for the year ending March 2023, a notable increase from ₹833 Cr in March 2022. The revenue growth trajectory continued with sales reaching ₹2,249 Cr for March 2024 and ₹2,562 Cr for March 2025. The quarterly revenue figures also reflect this upward trend, with sales standing at ₹563.63 Cr in September 2023 and increasing to ₹643.22 Cr by March 2024. However, in the subsequent quarters, a decline was noted, with sales dropping to ₹555.03 Cr by March 2025. The company’s ability to generate revenue has been positively impacted by its operational strategies, although fluctuations in quarterly performance highlight some instability. The operating profit margin (OPM) has averaged around 40.47%, indicating a robust operational efficiency despite the declining figures in the latter part of the fiscal year. The cash conversion cycle stood at just 3 days, showcasing efficient asset management and quick turnover of receivables, which is critical for the microfinance sector.
Profitability and Efficiency Metrics
Muthoot Microfin’s profitability metrics reveal a mixed performance. The company reported a net profit of ₹164 Cr for March 2023, which was a significant rise from ₹47 Cr in March 2022. However, this positive trend reversed, and the net profit fell to a loss of ₹223 Cr for March 2025. This decline is alarming considering the backdrop of increasing revenues. The return on equity (ROE) stood at 8.19%, while the return on capital employed (ROCE) was reported at 5.80%, both of which are relatively low compared to industry standards. The interest coverage ratio (ICR) was recorded at 0.73x, indicating that the company may struggle to cover its interest obligations. This is concerning, particularly as interest expenses have surged to ₹930 Cr for March 2025, reflecting the increasing cost of borrowings, which stood at ₹8,101 Cr. The operational profit margin has shown resilience, maintaining a high average, but the overall profitability has been compromised by escalating costs and declining net profits.
Balance Sheet Strength and Financial Ratios
The balance sheet of Muthoot Microfin indicates a concerning trend in financial health. As of March 2025, total borrowings were reported at ₹8,101 Cr against reserves of ₹2,465 Cr, leading to a high debt-to-equity ratio of 3.01x. This high leverage poses a risk, particularly in a sector sensitive to economic fluctuations. The company’s current ratio was reported at 1.37x, suggesting a reasonable liquidity position, although it has decreased from previous years. The book value per share stood at ₹157.06, reflecting a decline from ₹164.48 in March 2024. The efficiency ratios, including the cash conversion cycle of 3 days, indicate operational effectiveness; however, the declining ROCE of 6% for March 2025 contrasts sharply with the 15% reported for March 2024. These financial ratios highlight a growing concern regarding the sustainability of debt levels and the company’s ability to maintain profitability amid rising costs and fluctuating revenues.
Shareholding Pattern and Investor Confidence
Muthoot Microfin’s shareholding structure reveals a predominantly promoter-driven entity, with promoters holding 55.47% as of March 2025. The Foreign Institutional Investors (FIIs) have reduced their stake to 23.40%, down from 27.59% in December 2023, indicating a potential decline in investor confidence. Domestic Institutional Investors (DIIs) maintained a stable presence with a 2.49% holding. The public shareholding has increased to 16.95%, suggesting a growing interest from retail investors, but the overall decline in FII participation could be a warning sign. The total number of shareholders has decreased to 158,221, reflecting a consolidation of ownership, which might indicate a lack of broader market confidence. This shift in the shareholding pattern, particularly the decline in FIIs, may impact liquidity and market perception, raising questions about future capital inflows and the company’s strategic direction.
Outlook, Risks, and Final Insight
If Muthoot Microfin can sustain its revenue growth, it might recover from the recent dip in net profit, particularly if operational efficiencies continue to improve. However, the rising interest expenses and high leverage present significant risks that could hinder profitability. The company’s ability to manage its borrowings effectively will be crucial in maintaining a healthy balance sheet. Additionally, the declining interest from FIIs could affect the stock’s liquidity and investor sentiment. If the company can stabilize its cost structure and enhance its profit margins, it may regain investor confidence and support a more favorable outlook. Nonetheless, the management’s focus on improving ROCE and reducing debt levels will be essential to navigate the challenges posed by the competitive microfinance landscape and macroeconomic factors.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Muthoot Microfin Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Muthoot Microfin Ltd | 2,839 Cr. | 166 | 231/119 | 154 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,630 Cr. | 147 | 194/131 | 12.9 | 230 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 22,082 Cr. | 1,380 | 1,431/750 | 114 | 436 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,850.33 Cr | 564.33 | 63.45 | 273.33 | 0.00% | 9.08% | 7.86% | 10.00 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 333.68 | 380.18 | 443.84 | 478.70 | 563.63 | 576.76 | 643.22 | 663.47 | 662.41 | 680.78 | 555.03 | 558.62 |
| Expenses | 206.69 | 151.82 | 146.12 | 149.89 | 189.34 | 208.44 | 227.24 | 273.31 | 333.90 | 428.15 | 845.04 | 332.54 |
| Operating Profit | 126.99 | 228.36 | 297.72 | 328.81 | 374.29 | 368.32 | 415.98 | 390.16 | 328.51 | 252.63 | -290.01 | 226.08 |
| OPM % | 38.06% | 60.07% | 67.08% | 68.69% | 66.41% | 63.86% | 64.67% | 58.81% | 49.59% | 37.11% | -52.25% | 40.47% |
| Other Income | 6.56 | 3.03 | 4.33 | 1.44 | 1.85 | 2.34 | 1.86 | 0.28 | 0.62 | 0.66 | 1.19 | 0.44 |
| Interest | 121.06 | 154.71 | 168.22 | 194.30 | 221.02 | 231.60 | 230.69 | 233.70 | 237.41 | 237.29 | 221.71 | 209.76 |
| Depreciation | 6.35 | 6.98 | 7.41 | 7.93 | 8.53 | 9.22 | 9.76 | 10.18 | 10.53 | 10.94 | 11.18 | 11.00 |
| Profit before tax | 6.14 | 69.70 | 126.42 | 128.02 | 146.59 | 129.84 | 177.39 | 146.56 | 81.19 | 5.06 | -521.71 | 5.76 |
| Tax % | 25.73% | 18.41% | 25.20% | 25.26% | 25.25% | 4.06% | 32.49% | 22.74% | 24.12% | 24.90% | -23.11% | -7.29% |
| Net Profit | 4.55 | 56.87 | 94.56 | 95.68 | 109.57 | 124.57 | 119.76 | 113.22 | 61.61 | 3.80 | -401.15 | 6.18 |
| EPS in Rs | 0.39 | 4.87 | 8.09 | 8.19 | 9.38 | 7.31 | 7.02 | 6.64 | 3.61 | 0.22 | -23.53 | 0.36 |
Last Updated: August 19, 2025, 1:15 pm
Below is a detailed analysis of the quarterly data for Muthoot Microfin Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 558.62 Cr.. The value appears strong and on an upward trend. It has increased from 555.03 Cr. (Mar 2025) to 558.62 Cr., marking an increase of 3.59 Cr..
- For Expenses, as of Jun 2025, the value is 332.54 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 845.04 Cr. (Mar 2025) to 332.54 Cr., marking a decrease of 512.50 Cr..
- For Operating Profit, as of Jun 2025, the value is 226.08 Cr.. The value appears strong and on an upward trend. It has increased from -290.01 Cr. (Mar 2025) to 226.08 Cr., marking an increase of 516.09 Cr..
- For OPM %, as of Jun 2025, the value is 40.47%. The value appears strong and on an upward trend. It has increased from -52.25% (Mar 2025) to 40.47%, marking an increase of 92.72%.
- For Other Income, as of Jun 2025, the value is 0.44 Cr.. The value appears to be declining and may need further review. It has decreased from 1.19 Cr. (Mar 2025) to 0.44 Cr., marking a decrease of 0.75 Cr..
- For Interest, as of Jun 2025, the value is 209.76 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 221.71 Cr. (Mar 2025) to 209.76 Cr., marking a decrease of 11.95 Cr..
- For Depreciation, as of Jun 2025, the value is 11.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 11.18 Cr. (Mar 2025) to 11.00 Cr., marking a decrease of 0.18 Cr..
- For Profit before tax, as of Jun 2025, the value is 5.76 Cr.. The value appears strong and on an upward trend. It has increased from -521.71 Cr. (Mar 2025) to 5.76 Cr., marking an increase of 527.47 Cr..
- For Tax %, as of Jun 2025, the value is -7.29%. The value appears to be increasing, which may not be favorable. It has increased from -23.11% (Mar 2025) to -7.29%, marking an increase of 15.82%.
- For Net Profit, as of Jun 2025, the value is 6.18 Cr.. The value appears strong and on an upward trend. It has increased from -401.15 Cr. (Mar 2025) to 6.18 Cr., marking an increase of 407.33 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.36. The value appears strong and on an upward trend. It has increased from -23.53 (Mar 2025) to 0.36, marking an increase of 23.89.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 23, 2025, 12:53 pm
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|
| Sales | 748 | 860 | 684 | 833 | 1,429 | 2,249 | 2,562 | 2,457 |
| Expenses | 243 | 543 | 369 | 417 | 658 | 772 | 1,880 | 1,940 |
| Operating Profit | 505 | 318 | 315 | 416 | 771 | 1,477 | 682 | 517 |
| OPM % | 68% | 37% | 46% | 50% | 54% | 66% | 27% | 21% |
| Other Income | 2 | 6 | 12 | 10 | 17 | 6 | 2 | 3 |
| Interest | 234 | 291 | 299 | 340 | 549 | 866 | 930 | 906 |
| Depreciation | 3 | 14 | 19 | 21 | 27 | 35 | 43 | 44 |
| Profit before tax | 271 | 20 | 9 | 65 | 213 | 582 | -289 | -430 |
| Tax % | 26% | 8% | 22% | 27% | 23% | 23% | -23% | |
| Net Profit | 201 | 18 | 7 | 47 | 164 | 450 | -223 | -330 |
| EPS in Rs | 17.63 | 1.59 | 0.62 | 4.15 | 14.03 | 26.37 | -13.05 | -19.34 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
YoY Net Profit Growth
| Year | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -91.04% | -61.11% | 571.43% | 248.94% | 174.39% | -149.56% |
| Change in YoY Net Profit Growth (%) | 0.00% | 29.93% | 632.54% | -322.49% | -74.55% | -323.95% |
Muthoot Microfin Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2019-2020 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 24% |
| 3 Years: | 45% |
| TTM: | 0% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| TTM: | -171% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -25% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 5% |
| 3 Years: | 6% |
| Last Year: | -8% |
Last Updated: September 5, 2025, 3:46 pm
Balance Sheet
Last Updated: August 11, 2025, 4:15 pm
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Equity Capital | 114 | 114 | 114 | 114 | 117 | 167 | 168 |
| Reserves | 772 | 793 | 776 | 1,203 | 1,486 | 2,637 | 2,465 |
| Borrowings | 2,451 | 2,997 | 3,094 | 4,107 | 6,646 | 8,589 | 8,101 |
| Other Liabilities | 193 | 187 | 200 | 167 | 280 | 197 | 123 |
| Total Liabilities | 3,530 | 4,092 | 4,184 | 5,591 | 8,529 | 11,590 | 10,857 |
| Fixed Assets | 21 | 109 | 110 | 121 | 172 | 215 | 223 |
| CWIP | 1 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 63 | 47 | 354 |
| Other Assets | 3,509 | 3,983 | 4,074 | 5,470 | 8,294 | 11,329 | 10,280 |
| Total Assets | 3,530 | 4,092 | 4,184 | 5,591 | 8,529 | 11,590 | 10,857 |
Below is a detailed analysis of the balance sheet data for Muthoot Microfin Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 168.00 Cr.. The value appears strong and on an upward trend. It has increased from 167.00 Cr. (Mar 2024) to 168.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Mar 2025, the value is 2,465.00 Cr.. The value appears to be declining and may need further review. It has decreased from 2,637.00 Cr. (Mar 2024) to 2,465.00 Cr., marking a decrease of 172.00 Cr..
- For Borrowings, as of Mar 2025, the value is 8,101.00 Cr.. The value appears to be improving (decreasing). However, Borrowings exceed Reserves, which may signal higher financial risk. It has decreased from 8,589.00 Cr. (Mar 2024) to 8,101.00 Cr., marking a decrease of 488.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 123.00 Cr.. The value appears to be improving (decreasing). It has decreased from 197.00 Cr. (Mar 2024) to 123.00 Cr., marking a decrease of 74.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 10,857.00 Cr.. The value appears to be improving (decreasing). It has decreased from 11,590.00 Cr. (Mar 2024) to 10,857.00 Cr., marking a decrease of 733.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 223.00 Cr.. The value appears strong and on an upward trend. It has increased from 215.00 Cr. (Mar 2024) to 223.00 Cr., marking an increase of 8.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 354.00 Cr.. The value appears strong and on an upward trend. It has increased from 47.00 Cr. (Mar 2024) to 354.00 Cr., marking an increase of 307.00 Cr..
- For Other Assets, as of Mar 2025, the value is 10,280.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,329.00 Cr. (Mar 2024) to 10,280.00 Cr., marking a decrease of 1,049.00 Cr..
- For Total Assets, as of Mar 2025, the value is 10,857.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,590.00 Cr. (Mar 2024) to 10,857.00 Cr., marking a decrease of 733.00 Cr..
However, the Borrowings (8,101.00 Cr.) are higher than the Reserves (2,465.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Free Cash Flow | 503.00 | 316.00 | 312.00 | 412.00 | 765.00 | -7.00 | 674.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 2 | 3 |
| Inventory Days | |||||||
| Days Payable | |||||||
| Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 2 | 3 |
| Working Capital Days | -58 | -42 | -94 | -44 | -43 | 45 | 22 |
| ROCE % | 9% | 8% | 9% | 11% | 15% | 6% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | -13.29 | 30.20 | 14.19 | 4.15 | 0.62 |
| Diluted EPS (Rs.) | -13.07 | 30.20 | 11.98 | 3.97 | 0.62 |
| Cash EPS (Rs.) | -10.72 | 28.45 | 16.30 | 5.97 | 2.27 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 157.06 | 164.48 | 137.15 | 115.39 | 77.94 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 157.06 | 164.48 | 137.15 | 115.39 | 77.94 |
| Revenue From Operations / Share (Rs.) | 152.85 | 133.15 | 122.29 | 72.92 | 59.92 |
| PBDIT / Share (Rs.) | 40.81 | 88.01 | 67.48 | 37.28 | 28.66 |
| PBIT / Share (Rs.) | 38.26 | 85.93 | 65.21 | 35.46 | 27.01 |
| PBT / Share (Rs.) | -17.24 | 34.13 | 18.22 | 5.67 | 0.79 |
| Net Profit / Share (Rs.) | -13.28 | 26.37 | 14.03 | 4.15 | 0.61 |
| PBDIT Margin (%) | 26.70 | 66.09 | 55.18 | 51.12 | 47.82 |
| PBIT Margin (%) | 25.03 | 64.53 | 53.32 | 48.63 | 45.07 |
| PBT Margin (%) | -11.27 | 25.62 | 14.89 | 7.77 | 1.32 |
| Net Profit Margin (%) | -8.68 | 19.80 | 11.47 | 5.69 | 1.03 |
| Return on Networth / Equity (%) | -8.45 | 16.03 | 10.22 | 3.59 | 0.79 |
| Return on Capital Employeed (%) | 19.93 | 38.52 | 25.34 | 7.57 | 7.72 |
| Return On Assets (%) | -2.04 | 3.87 | 1.92 | 0.84 | 0.16 |
| Long Term Debt / Equity (X) | 0.21 | 0.34 | 0.85 | 3.03 | 3.48 |
| Total Debt / Equity (X) | 3.01 | 2.98 | 4.05 | 3.03 | 3.48 |
| Asset Turnover Ratio (%) | 0.22 | 0.22 | 0.20 | 0.17 | 0.16 |
| Current Ratio (X) | 1.37 | 1.45 | 1.51 | 21.84 | 20.97 |
| Quick Ratio (X) | 1.37 | 1.45 | 1.51 | 21.84 | 20.97 |
| Interest Coverage Ratio (X) | 0.73 | 1.70 | 1.44 | 1.25 | 1.09 |
| Interest Coverage Ratio (Post Tax) (X) | 0.76 | 1.51 | 1.30 | 1.14 | 1.02 |
| Enterprise Value (Cr.) | 8818.09 | 10187.09 | 0.00 | 0.00 | 0.00 |
| EV / Net Operating Revenue (X) | 3.44 | 4.49 | 0.00 | 0.00 | 0.00 |
| EV / EBITDA (X) | 12.89 | 6.79 | 0.00 | 0.00 | 0.00 |
| MarketCap / Net Operating Revenue (X) | 0.80 | 1.50 | 0.00 | 0.00 | 0.00 |
| Price / BV (X) | 0.78 | 1.21 | 0.00 | 0.00 | 0.00 |
| Price / Net Operating Revenue (X) | 0.80 | 1.50 | 0.00 | 0.00 | 0.00 |
| EarningsYield | -0.10 | 0.13 | 0.00 | 0.00 | 0.00 |
After reviewing the key financial ratios for Muthoot Microfin Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is -13.29. This value is below the healthy minimum of 5. It has decreased from 30.20 (Mar 24) to -13.29, marking a decrease of 43.49.
- For Diluted EPS (Rs.), as of Mar 25, the value is -13.07. This value is below the healthy minimum of 5. It has decreased from 30.20 (Mar 24) to -13.07, marking a decrease of 43.27.
- For Cash EPS (Rs.), as of Mar 25, the value is -10.72. This value is below the healthy minimum of 3. It has decreased from 28.45 (Mar 24) to -10.72, marking a decrease of 39.17.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 157.06. It has decreased from 164.48 (Mar 24) to 157.06, marking a decrease of 7.42.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 157.06. It has decreased from 164.48 (Mar 24) to 157.06, marking a decrease of 7.42.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 152.85. It has increased from 133.15 (Mar 24) to 152.85, marking an increase of 19.70.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 40.81. This value is within the healthy range. It has decreased from 88.01 (Mar 24) to 40.81, marking a decrease of 47.20.
- For PBIT / Share (Rs.), as of Mar 25, the value is 38.26. This value is within the healthy range. It has decreased from 85.93 (Mar 24) to 38.26, marking a decrease of 47.67.
- For PBT / Share (Rs.), as of Mar 25, the value is -17.24. This value is below the healthy minimum of 0. It has decreased from 34.13 (Mar 24) to -17.24, marking a decrease of 51.37.
- For Net Profit / Share (Rs.), as of Mar 25, the value is -13.28. This value is below the healthy minimum of 2. It has decreased from 26.37 (Mar 24) to -13.28, marking a decrease of 39.65.
- For PBDIT Margin (%), as of Mar 25, the value is 26.70. This value is within the healthy range. It has decreased from 66.09 (Mar 24) to 26.70, marking a decrease of 39.39.
- For PBIT Margin (%), as of Mar 25, the value is 25.03. This value exceeds the healthy maximum of 20. It has decreased from 64.53 (Mar 24) to 25.03, marking a decrease of 39.50.
- For PBT Margin (%), as of Mar 25, the value is -11.27. This value is below the healthy minimum of 10. It has decreased from 25.62 (Mar 24) to -11.27, marking a decrease of 36.89.
- For Net Profit Margin (%), as of Mar 25, the value is -8.68. This value is below the healthy minimum of 5. It has decreased from 19.80 (Mar 24) to -8.68, marking a decrease of 28.48.
- For Return on Networth / Equity (%), as of Mar 25, the value is -8.45. This value is below the healthy minimum of 15. It has decreased from 16.03 (Mar 24) to -8.45, marking a decrease of 24.48.
- For Return on Capital Employeed (%), as of Mar 25, the value is 19.93. This value is within the healthy range. It has decreased from 38.52 (Mar 24) to 19.93, marking a decrease of 18.59.
- For Return On Assets (%), as of Mar 25, the value is -2.04. This value is below the healthy minimum of 5. It has decreased from 3.87 (Mar 24) to -2.04, marking a decrease of 5.91.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.21. This value is within the healthy range. It has decreased from 0.34 (Mar 24) to 0.21, marking a decrease of 0.13.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.01. This value exceeds the healthy maximum of 1. It has increased from 2.98 (Mar 24) to 3.01, marking an increase of 0.03.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.22. There is no change compared to the previous period (Mar 24) which recorded 0.22.
- For Current Ratio (X), as of Mar 25, the value is 1.37. This value is below the healthy minimum of 1.5. It has decreased from 1.45 (Mar 24) to 1.37, marking a decrease of 0.08.
- For Quick Ratio (X), as of Mar 25, the value is 1.37. This value is within the healthy range. It has decreased from 1.45 (Mar 24) to 1.37, marking a decrease of 0.08.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 0.73. This value is below the healthy minimum of 3. It has decreased from 1.70 (Mar 24) to 0.73, marking a decrease of 0.97.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 0.76. This value is below the healthy minimum of 3. It has decreased from 1.51 (Mar 24) to 0.76, marking a decrease of 0.75.
- For Enterprise Value (Cr.), as of Mar 25, the value is 8,818.09. It has decreased from 10,187.09 (Mar 24) to 8,818.09, marking a decrease of 1,369.00.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.44. This value exceeds the healthy maximum of 3. It has decreased from 4.49 (Mar 24) to 3.44, marking a decrease of 1.05.
- For EV / EBITDA (X), as of Mar 25, the value is 12.89. This value is within the healthy range. It has increased from 6.79 (Mar 24) to 12.89, marking an increase of 6.10.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 0.80. This value is below the healthy minimum of 1. It has decreased from 1.50 (Mar 24) to 0.80, marking a decrease of 0.70.
- For Price / BV (X), as of Mar 25, the value is 0.78. This value is below the healthy minimum of 1. It has decreased from 1.21 (Mar 24) to 0.78, marking a decrease of 0.43.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 0.80. This value is below the healthy minimum of 1. It has decreased from 1.50 (Mar 24) to 0.80, marking a decrease of 0.70.
- For EarningsYield, as of Mar 25, the value is -0.10. This value is below the healthy minimum of 5. It has decreased from 0.13 (Mar 24) to -0.10, marking a decrease of 0.23.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Muthoot Microfin Ltd:
- Net Profit Margin: -8.68%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 19.93% (Industry Average ROCE: 9.08%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: -8.45% (Industry Average ROE: 7.86%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0.76
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.37
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 0 (Industry average Stock P/E: 63.45)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.01
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: -8.68%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Microfinance Institutions | 13th Floor, Parinee Crescenzo, Bandra Kurla Complex, Mumbai Maharashtra 400051 | info@muthootmicrofin.com http://www.muthootmicrofin.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Thomas Muthoot | Chairman & Non-Exe.Director |
| Mr. Thomas John Muthoot | Executive Director |
| Mr. Akshaya Prasad | Non Executive Director |
| Mr. Thomas George Muthoot | Non Executive Director |
| Mr. Alok Prasad | Independent Director |
| Mr. John Tyler Day | Non Executive Director |
| Mr. Anil Sreedhar | Independent Director |
| Mrs. Pushpy B Muricken | Independent Director |
| Mrs. Bhama Krishnamurthy | Independent Director |
| Mr. T S Vijayan | Independent Director |
FAQ
What is the intrinsic value of Muthoot Microfin Ltd?
Muthoot Microfin Ltd's intrinsic value (as of 10 October 2025) is 154.38 which is 7.00% lower the current market price of 166.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹2,839 Cr. market cap, FY2025-2026 high/low of 231/119, reserves of ₹2,465 Cr, and liabilities of 10,857 Cr.
What is the Market Cap of Muthoot Microfin Ltd?
The Market Cap of Muthoot Microfin Ltd is 2,839 Cr..
What is the current Stock Price of Muthoot Microfin Ltd as on 10 October 2025?
The current stock price of Muthoot Microfin Ltd as on 10 October 2025 is 166.
What is the High / Low of Muthoot Microfin Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Muthoot Microfin Ltd stocks is 231/119.
What is the Stock P/E of Muthoot Microfin Ltd?
The Stock P/E of Muthoot Microfin Ltd is .
What is the Book Value of Muthoot Microfin Ltd?
The Book Value of Muthoot Microfin Ltd is 154.
What is the Dividend Yield of Muthoot Microfin Ltd?
The Dividend Yield of Muthoot Microfin Ltd is 0.00 %.
What is the ROCE of Muthoot Microfin Ltd?
The ROCE of Muthoot Microfin Ltd is 5.80 %.
What is the ROE of Muthoot Microfin Ltd?
The ROE of Muthoot Microfin Ltd is 8.19 %.
What is the Face Value of Muthoot Microfin Ltd?
The Face Value of Muthoot Microfin Ltd is 10.0.