Muthoot Microfin Ltd

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

Muthoot Microfin Ltd

₹ 159 0.76%
22 Aug 4:01 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 ₹ 2,714 Cr.
  • Current Price ₹ 159
  • High / Low ₹ 244 / 119
  • Stock P/E
  • Book Value ₹ 154
  • Dividend Yield 0.00 %
  • ROCE 5.80 %
  • ROE -8.19 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.03 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 Jun 2025
333.68 380.18 443.84 478.70 563.63 576.76 643.22 663.47 662.41 680.78 555.03 558.62
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%
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%
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
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
748 860 684 833 1,429 2,249 2,562 2,457
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%
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%
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%
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: -29%
Return on Equity
10 Years: %
5 Years: 5%
3 Years: 6%
Last Year: -8%

Balance Sheet

Figures in Rs. Crores

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
2,451 2,997 3,094 4,107 6,646 8,589 8,101
193 187 200 167 280 197 123
Total Liabilities 3,530 4,092 4,184 5,591 8,529 11,590 10,857
21 109 110 121 172 215 223
CWIP 1 0 0 0 0 0 0
Investments 0 0 0 0 63 47 354
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

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-602 114 -704 -1,084 -2,333 -1,272 1,382
-6 -66 -38 -74 -180 -225 -128
707 463 80 1,344 2,567 1,671 -1,485
Net Cash Flow 99 511 -662 187 54 174 -230

Ratios

Figures in Rs. Crores

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%

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
55.47% 55.47% 55.47% 55.47% 55.47% 55.47% 55.47%
27.59% 26.28% 26.55% 25.85% 25.79% 25.46% 23.40%
2.80% 2.35% 2.28% 2.57% 2.44% 2.32% 2.49%
12.11% 14.01% 13.96% 14.38% 14.56% 15.05% 16.95%
2.03% 1.89% 1.74% 1.73% 1.73% 1.70% 1.70%
No. of Shareholders 2,15,0981,86,0881,70,2611,62,5751,61,6551,58,9761,58,221

* 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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