Share Price and Basic Stock Data
Last Updated: November 26, 2025, 7:57 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 operates in the microfinance sector, focusing on providing financial services to underserved markets. The company reported a significant increase in its sales, which rose from ₹1,429 Cr in FY 2023 to ₹2,249 Cr in FY 2024, reflecting a growth trajectory of approximately 57.4%. For the trailing twelve months (TTM), sales stood at ₹2,371 Cr, indicating a robust operational performance. Quarterly sales also exhibited a positive trend, reaching ₹563.63 Cr in September 2023 and projected to touch ₹680.78 Cr by December 2024. This upward trajectory is supported by a market capitalization of ₹2,906 Cr and a price of ₹170 per share, suggesting a favorable market perception. Despite the impressive growth in sales, the company reported a net loss of ₹361 Cr, indicating challenges in translating revenue growth into profitability. The operating profit margin (OPM) demonstrated variability, with a peak of 68.69% in June 2023, but declining to 40.47% in the most recent reporting period. This inconsistency raises questions about cost management and operational efficiency.
Profitability and Efficiency Metrics
Muthoot Microfin Ltd’s profitability metrics reflect a mixed performance. The company recorded an operating profit of ₹771 Cr in FY 2023, which increased to ₹1,477 Cr in FY 2024, but the operating profit margin (OPM) declined to 27% in FY 2025, indicating potential inefficiencies. The interest expenses surged to ₹930 Cr in FY 2025, which could be contributing to the net loss of ₹361 Cr in the same period. The interest coverage ratio (ICR) stood at a low 0.73x, signaling that the company is struggling to meet its interest obligations from its operating profits. The return on equity (ROE) was reported at 8.19%, which is moderate compared to industry standards, suggesting that the company is generating reasonable returns for its shareholders. However, the decline in profit before tax to -₹289 Cr in FY 2025 raises concerns about future profitability. The cash conversion cycle (CCC) of 3 days indicates effective working capital management, but the overall profitability remains a critical area requiring attention.
Balance Sheet Strength and Financial Ratios
The balance sheet of Muthoot Microfin Ltd reveals significant leverage, with total borrowings recorded at ₹8,653 Cr against reserves of ₹2,534 Cr. This results in a total debt-to-equity ratio of 3.01x, indicating a high reliance on debt financing, which could pose risks in a rising interest rate environment. The company’s current ratio stood at 1.37, reflecting a reasonable liquidity position, although a current ratio below 1.5 is generally considered low for the microfinance sector. The book value per share has decreased from ₹164.48 in FY 2024 to ₹157.06 in FY 2025. The return on capital employed (ROCE) was reported at 5.80%, which is relatively low compared to industry norms, suggesting underutilization of capital. Furthermore, the enterprise value (EV) of ₹8,818.09 Cr relative to net operating revenue at 3.44x indicates that the market is valuing the company at a premium, which can be favorable if operational efficiencies improve. However, the company must address its profitability challenges to strengthen its balance sheet further.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Muthoot Microfin Ltd illustrates a stable promoter holding of 55.47%, indicating strong management control. Foreign institutional investors (FIIs) held 23.25% of the shares, a decline from previous quarters, which may reflect cautious sentiment among foreign investors amid profitability concerns. Domestic institutional investors (DIIs) accounted for 2.84% of the total shareholding, while public shareholders comprised 16.74%. The total number of shareholders decreased to 1,52,290, indicating potential investor fatigue or dissatisfaction with the recent performance. The decline in FIIs’ stake could signify a lack of confidence in the company’s ability to turn its operational performance around. However, the consistent promoter holding suggests that the management remains committed to steering the company through its current challenges. Maintaining investor confidence will be crucial for Muthoot Microfin Ltd as it navigates through profitability issues and seeks to enhance shareholder value.
Outlook, Risks, and Final Insight
Looking ahead, Muthoot Microfin Ltd faces both opportunities and challenges. The growth in sales and operating profit indicates potential for recovery, yet the company must address its profitability issues, particularly the rising interest expenses and fluctuating profit margins. Risks include high leverage, as indicated by the debt-to-equity ratio of 3.01x, which could hinder financial flexibility during adverse market conditions. Additionally, the declining interest coverage ratio raises concerns about the company’s ability to sustain operations without incurring further losses. On the upside, a focus on improving operational efficiencies and customer acquisition could enhance profitability in the long run. If Muthoot Microfin Ltd can stabilize its profit margins and improve its debt management, it could regain investor confidence and drive share price appreciation. Conversely, failure to address these operational challenges may lead to continued losses, impacting the overall sustainability of the business in a competitive microfinance landscape.
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 | 3,297 Cr. | 193 | 197/119 | 158 | 0.00 % | 5.80 % | 8.19 % | 10.0 | |
| Satin Creditcare Network Ltd | 1,658 Cr. | 150 | 176/131 | 12.3 | 237 | 0.00 % | 11.9 % | 7.53 % | 10.0 |
| CreditAccess Grameen Ltd | 22,023 Cr. | 1,377 | 1,490/750 | 165 | 448 | 0.00 % | 9.55 % | 7.86 % | 10.0 |
| Industry Average | 8,992.67 Cr | 573.33 | 88.65 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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: November 15, 2025, 3:05 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: November 9, 2025, 4:11 pm
| 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 |
|---|---|
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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: 88.65)
- 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 26 November 2025) is 158.39 which is 17.93% lower the current market price of 193.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 3,297 Cr. market cap, FY2025-2026 high/low of 197/119, 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 3,297 Cr..
What is the current Stock Price of Muthoot Microfin Ltd as on 26 November 2025?
The current stock price of Muthoot Microfin Ltd as on 26 November 2025 is 193.
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 197/119.
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.