Muthoot Microfin Ltd

Muthoot Microfin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Muthoot Microfin Ltd

₹ 136 0.97%
10 Jun 12:43 p.m.
muthootmicrofin.com BSE: 544055 NSE: MUTHOOTMF
About

Founded in April 1992, Muthoot Microfin Limited, a subsidiary of Muthoot Pappachan Group, provides micro-loans to female customers with a focus on rural regions in India[1]

Key Points

Market Share[1] Muthoot Microfin is the 3rd largest NBFC-MFI in India in terms of gross loan portfolio as of FY23.[2] They are also 3rd largest among NBFC-MFIs in South India in terms of gross loan portfolio, largest in Kerala, and have a 16% market share in Tamil Nadu

Website BSE NSE
  • Market Cap ₹ 2,317 Cr.
  • Current Price ₹ 136
  • High / Low ₹ 258 / 119
  • Stock P/E
  • Book Value ₹ 154
  • Dividend Yield 0.00 %
  • ROCE 5.81 %
  • ROE -8.19 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.87 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 6.13% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Microfinance Institutions

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
334 380 444 479 564 577 643 638 662 681 555
207 152 146 150 189 208 227 244 334 428 845
Operating Profit 127 228 298 329 374 368 416 394 329 253 -290
OPM % 38% 60% 67% 69% 66% 64% 65% 62% 50% 37% -52%
7 3 4 1 2 2 2 0 1 1 1
Interest 121 155 168 194 221 232 231 237 237 237 222
Depreciation 6 7 7 8 9 9 10 10 11 11 11
Profit before tax 6 70 126 128 147 130 177 147 81 5 -522
Tax % 26% 18% 25% 25% 25% 4% 32% 23% 24% 25% -23%
5 57 95 96 110 125 120 113 62 4 -401
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
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
748 684 833 1,429 2,271 2,562
243 369 417 658 785 1,880
Operating Profit 505 315 416 771 1,486 681
OPM % 68% 46% 50% 54% 65% 27%
2 12 10 17 15 3
Interest 234 299 340 549 883 930
Depreciation 3 19 21 27 35 43
Profit before tax 271 9 65 213 582 -289
Tax % 26% 22% 27% 23% 23% -23%
201 7 47 164 450 -223
EPS in Rs 17.63 0.62 4.15 14.03 26.37 -13.05
Dividend Payout % 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 45%
TTM: 13%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -150%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -39%
Return on Equity
10 Years: %
5 Years: %
3 Years: 6%
Last Year: -8%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 114 114 114 117 170 168
Reserves 772 776 1,203 1,486 2,634 2,465
2,451 3,094 4,107 6,646 8,524 8,101
193 200 167 280 262 123
Total Liabilities 3,530 4,184 5,591 8,529 11,590 10,857
21 110 121 172 215 223
CWIP 1 0 0 0 0 0
Investments 0 0 0 63 47 354
3,509 4,074 5,470 8,294 11,329 10,280
Total Assets 3,530 4,184 5,591 8,529 11,590 10,857

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-602 -704 -1,084 -2,333 -2,125 1,382
-6 -38 -74 -180 -225 -128
707 80 1,344 2,567 2,549 -1,485
Net Cash Flow 99 -662 187 54 198 -230

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0 0 0 0 0 3
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 3
Working Capital Days -58 -94 -44 -43 10 20
ROCE % 9% 11% 15% 6%

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
55.47% 55.47% 55.47% 55.47% 55.47% 55.47%
27.59% 26.28% 26.55% 25.85% 25.79% 25.46%
2.80% 2.35% 2.28% 2.57% 2.44% 2.32%
12.11% 14.01% 13.96% 14.38% 14.56% 15.05%
2.03% 1.89% 1.74% 1.73% 1.73% 1.70%
No. of Shareholders 2,15,0981,86,0881,70,2611,62,5751,61,6551,58,976

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls