Muthoot Microfin Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: August 30, 2025, 12:26 am

Quick Insight

Muthoot Microfin Ltd's current market capitalization stands at ₹2,595 Cr., with a share price of ₹152. Despite a low P/E ratio, the company's ROE and ROCE are below industry averages at 8.19% and 5.80% respectively. Operating profit margin of 40.47% indicates operational efficiency, but a negative net profit of -₹223 Cr. raises concerns. With substantial borrowings of ₹8,101 Cr. and a low ICR of 0.73x, the company may face liquidity challenges. However, a comfortable CCC of 3 days is a positive indicator. Shareholders' composition shows strong promoter holding at 55.47%, though FIIs and DIIs have notable stakes. Muthoot Microfin's low P/BV of 0.78x suggests undervaluation, presenting a potential opportunity for investors to capitalize on the stock's intrinsic value.

Competitors of Muthoot Microfin Ltd

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Quarterly Result

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

Growth

Last Updated: Unknown

Balance Sheet

Last Updated: August 11, 2025, 4:15 pm

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

Free Cash Flow

Financial Efficiency Indicators

Share Holding Pattern

Key Financial Ratios

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.

Fair Value

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Strength and Weakness