Share Price and Basic Stock Data
Last Updated: January 29, 2026, 8:04 pm
| PEG Ratio | 0.00 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Muthoot Microfin Ltd, operating in the microfinance sector, reported a market capitalization of ₹3,024 Cr with its shares priced at ₹177. The company demonstrated a robust revenue trajectory, with sales increasing from ₹748 Cr in March 2019 to ₹1,429 Cr in March 2023, and further rising to ₹2,249 Cr in March 2024. This upward trend continued, reaching ₹2,562 Cr in March 2025, reflecting a significant compound annual growth rate (CAGR). Quarterly sales also exhibited growth, with ₹564 Cr reported in September 2023, climbing to ₹663 Cr by June 2024. The company’s operational efficiency is suggested by its operating profit margin (OPM) of 45%, indicating a strong capacity to generate profits from its revenues. The cash conversion cycle (CCC) stood at a mere 3 days, highlighting the efficiency in managing its receivables and payables. Such figures place Muthoot Microfin in a favorable position within the microfinance space, which is characterized by high growth potential in India.
Profitability and Efficiency Metrics
The profitability of Muthoot Microfin has shown variability in recent periods, with net profit recorded at ₹-361 Cr for the trailing twelve months (TTM). Despite a net profit of ₹164 Cr in March 2023, the company faced challenges leading to a decline in profitability, as evidenced by a net loss of ₹223 Cr for March 2025. The interest coverage ratio (ICR) stood at 0.73x, indicating that the company’s earnings are insufficient to cover its interest obligations, which is concerning. However, the operating profit rose to ₹1,477 Cr in March 2024, reflecting strong operational performance before accounting for interest and taxes. The return on equity (ROE) was reported at 8.19%, which is relatively low compared to industry standards, suggesting room for improvement in generating returns for shareholders. Additionally, the return on capital employed (ROCE) of 5.80% indicates that the company is facing challenges in effectively utilizing its capital to generate profits.
Balance Sheet Strength and Financial Ratios
Muthoot Microfin’s balance sheet reflects a total borrowing of ₹8,653 Cr against reserves of ₹2,534 Cr, indicating a high leverage ratio. The debt-to-equity ratio stood at 3.01x as of March 2025, which is considerably high compared to typical sector benchmarks, suggesting elevated financial risk. The company’s current ratio of 1.37x indicates adequate liquidity to cover short-term obligations, while the quick ratio also mirrors this at 1.37x. The book value per share was reported at ₹157.06 for March 2025, which is lower than the current market price, reflecting potential undervaluation. The interest coverage ratio of 0.73x raises concerns about the company’s ability to meet its interest obligations from operating income. The enterprise value (EV) of ₹8,818.09 Cr further emphasizes the company’s capital structure and market perception, which appears to be influenced by its profitability challenges.
Shareholding Pattern and Investor Confidence
Muthoot Microfin’s shareholding structure indicates a significant promoter holding of 55.47%, which demonstrates strong control and commitment from the founders. Foreign institutional investors (FIIs) held 23.17% as of December 2025, a notable presence that reflects confidence from international investors. Domestic institutional investors (DIIs) comprised 3.03% of the shareholding, while the public held 16.64%. The fluctuation in FII holdings from 27.59% in December 2023 to 23.17% in December 2025 may signal cautious sentiment towards the company’s financial performance. The total number of shareholders has decreased to 1,45,494, indicating possible consolidation or a reduction in retail investor interest. The lack of dividends, with a payout ratio of 0% across reported periods, may also deter some investors seeking income, thereby impacting overall investor sentiment.
Outlook, Risks, and Final Insight
Looking ahead, Muthoot Microfin faces a mixed outlook with both opportunities and risks. The strong revenue growth trajectory suggests potential for recovery and improved profitability if operational efficiencies are maintained and financial management is optimized. However, the high leverage and declining profitability pose significant risks, particularly in a rising interest rate environment, which could further strain margins. The company’s ability to manage its debt levels while improving operational performance will be crucial. Additionally, external factors such as regulatory changes in the microfinance sector and increased competition could impact its market position. Overall, while Muthoot Microfin has demonstrated strong revenue growth and operational efficiency, addressing its profitability challenges and financial leverage will be paramount for sustaining investor confidence and achieving long-term success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Muthoot Microfin Ltd | 3,036 Cr. | 178 | 199/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,702 Cr. | 154 | 176/131 | 8.86 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 20,342 Cr. | 1,270 | 1,497/848 | 41.9 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,360.00 Cr | 534.00 | 25.38 | 281.00 | 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 334 | 380 | 444 | 479 | 564 | 577 | 643 | 663 | 662 | 681 | 555 | 559 | 576 |
| Expenses | 207 | 152 | 146 | 150 | 189 | 208 | 227 | 273 | 334 | 428 | 845 | 333 | 318 |
| Operating Profit | 127 | 228 | 298 | 329 | 374 | 368 | 416 | 390 | 329 | 253 | -290 | 226 | 258 |
| OPM % | 38% | 60% | 67% | 69% | 66% | 64% | 65% | 59% | 50% | 37% | -52% | 40% | 45% |
| Other Income | 7 | 3 | 4 | 1 | 2 | 2 | 2 | 0 | 1 | 1 | 1 | 0 | 1 |
| Interest | 121 | 155 | 168 | 194 | 221 | 232 | 231 | 234 | 237 | 237 | 222 | 210 | 211 |
| Depreciation | 6 | 7 | 7 | 8 | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 11 | 11 |
| Profit before tax | 6 | 70 | 126 | 128 | 147 | 130 | 177 | 147 | 81 | 5 | -522 | 6 | 37 |
| Tax % | 26% | 18% | 25% | 25% | 25% | 4% | 32% | 23% | 24% | 25% | -23% | -7% | 18% |
| Net Profit | 5 | 57 | 95 | 96 | 110 | 125 | 120 | 113 | 62 | 4 | -401 | 6 | 31 |
| 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 | 1.79 |
Last Updated: January 6, 2026, 9:06 pm
Below is a detailed analysis of the quarterly data for Muthoot Microfin Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 576.00 Cr.. The value appears strong and on an upward trend. It has increased from 559.00 Cr. (Jun 2025) to 576.00 Cr., marking an increase of 17.00 Cr..
- For Expenses, as of Sep 2025, the value is 318.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 333.00 Cr. (Jun 2025) to 318.00 Cr., marking a decrease of 15.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 258.00 Cr.. The value appears strong and on an upward trend. It has increased from 226.00 Cr. (Jun 2025) to 258.00 Cr., marking an increase of 32.00 Cr..
- For OPM %, as of Sep 2025, the value is 45.00%. The value appears strong and on an upward trend. It has increased from 40.00% (Jun 2025) to 45.00%, marking an increase of 5.00%.
- For Other Income, as of Sep 2025, the value is 1.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Jun 2025) to 1.00 Cr., marking an increase of 1.00 Cr..
- For Interest, as of Sep 2025, the value is 211.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 210.00 Cr. (Jun 2025) to 211.00 Cr., marking an increase of 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 11.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 11.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 37.00 Cr.. The value appears strong and on an upward trend. It has increased from 6.00 Cr. (Jun 2025) to 37.00 Cr., marking an increase of 31.00 Cr..
- For Tax %, as of Sep 2025, the value is 18.00%. The value appears to be increasing, which may not be favorable. It has increased from -7.00% (Jun 2025) to 18.00%, marking an increase of 25.00%.
- For Net Profit, as of Sep 2025, the value is 31.00 Cr.. The value appears strong and on an upward trend. It has increased from 6.00 Cr. (Jun 2025) to 31.00 Cr., marking an increase of 25.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 1.79. The value appears strong and on an upward trend. It has increased from 0.36 (Jun 2025) to 1.79, marking an increase of 1.43.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:30 am
| 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 | 2,371 |
| Expenses | 243 | 543 | 369 | 417 | 658 | 772 | 1,880 | 1,924 |
| Operating Profit | 505 | 318 | 315 | 416 | 771 | 1,477 | 682 | 447 |
| OPM % | 68% | 37% | 46% | 50% | 54% | 66% | 27% | 19% |
| Other Income | 2 | 6 | 12 | 10 | 17 | 6 | 2 | 3 |
| Interest | 234 | 291 | 299 | 340 | 549 | 866 | 930 | 880 |
| Depreciation | 3 | 14 | 19 | 21 | 27 | 35 | 43 | 44 |
| Profit before tax | 271 | 20 | 9 | 65 | 213 | 582 | -289 | -474 |
| Tax % | 26% | 8% | 22% | 27% | 23% | 23% | -23% | |
| Net Profit | 201 | 18 | 7 | 47 | 164 | 450 | -223 | -361 |
| EPS in Rs | 17.63 | 1.59 | 0.62 | 4.15 | 14.03 | 26.37 | -13.05 | -21.16 |
| 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: December 4, 2025, 3:06 am
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 114 | 114 | 114 | 114 | 117 | 167 | 168 | 168 |
| Reserves | 772 | 793 | 776 | 1,203 | 1,486 | 2,637 | 2,465 | 2,534 |
| Borrowings | 2,451 | 2,997 | 3,094 | 4,107 | 6,646 | 8,589 | 8,101 | 8,653 |
| Other Liabilities | 193 | 187 | 200 | 167 | 280 | 197 | 123 | 138 |
| Total Liabilities | 3,530 | 4,092 | 4,184 | 5,591 | 8,529 | 11,590 | 10,857 | 11,493 |
| Fixed Assets | 21 | 109 | 110 | 121 | 172 | 215 | 223 | 209 |
| CWIP | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 63 | 47 | 354 | 441 |
| Other Assets | 3,509 | 3,983 | 4,074 | 5,470 | 8,294 | 11,329 | 10,280 | 10,842 |
| Total Assets | 3,530 | 4,092 | 4,184 | 5,591 | 8,529 | 11,590 | 10,857 | 11,493 |
Below is a detailed analysis of the balance sheet data for Muthoot Microfin Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 168.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 168.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,534.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,465.00 Cr. (Mar 2025) to 2,534.00 Cr., marking an increase of 69.00 Cr..
- For Borrowings, as of Sep 2025, the value is 8,653.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 8,101.00 Cr. (Mar 2025) to 8,653.00 Cr., marking an increase of 552.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 138.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 123.00 Cr. (Mar 2025) to 138.00 Cr., marking an increase of 15.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 11,493.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10,857.00 Cr. (Mar 2025) to 11,493.00 Cr., marking an increase of 636.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 209.00 Cr.. The value appears to be declining and may need further review. It has decreased from 223.00 Cr. (Mar 2025) to 209.00 Cr., marking a decrease of 14.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 441.00 Cr.. The value appears strong and on an upward trend. It has increased from 354.00 Cr. (Mar 2025) to 441.00 Cr., marking an increase of 87.00 Cr..
- For Other Assets, as of Sep 2025, the value is 10,842.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,280.00 Cr. (Mar 2025) to 10,842.00 Cr., marking an increase of 562.00 Cr..
- For Total Assets, as of Sep 2025, the value is 11,493.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,857.00 Cr. (Mar 2025) to 11,493.00 Cr., marking an increase of 636.00 Cr..
However, the Borrowings (8,653.00 Cr.) are higher than the Reserves (2,534.00 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
| Month | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|
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: 25.38)
- 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 | Contact not found |
| 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 29 January 2026) is ₹82.36 which is 53.73% lower the current market price of ₹178.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹3,036 Cr. market cap, FY2025-2026 high/low of ₹199/119, reserves of ₹2,534 Cr, and liabilities of ₹11,493 Cr.
What is the Market Cap of Muthoot Microfin Ltd?
The Market Cap of Muthoot Microfin Ltd is 3,036 Cr..
What is the current Stock Price of Muthoot Microfin Ltd as on 29 January 2026?
The current stock price of Muthoot Microfin Ltd as on 29 January 2026 is ₹178.
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 ₹199/119.
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 158.
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.