Muthoot Microfin Ltd

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

₹ 182 -1.00%
25 Sep - close price
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 2nd largest NBFC-MFI in India in terms of gross loan portfolio as of FY23.[2] They are also 2nd 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 ₹ 3,095 Cr.
  • Current Price ₹ 182
  • High / Low ₹ 263 / 141
  • Stock P/E 12.6
  • Book Value ₹ 167
  • Dividend Yield 0.00 %
  • ROCE 9.31 %
  • ROE 6.22 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.08 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 5.19% 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 Financial Services BSE 1000

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
479 564 577 643 663 662 681 555 559 576 603 632 669
Interest 194 221 232 231 234 237 237 222 210 211 222 232 247
150 189 208 227 273 334 428 845 333 318 304 300 306
Financing Profit 135 153 137 185 156 91 15 -512 16 47 77 101 116
Financing Margin % 28% 27% 24% 29% 24% 14% 2% -92% 3% 8% 13% 16% 17%
1 2 2 2 0 1 1 1 0 1 3 7 2
Depreciation 8 9 9 10 10 11 11 11 11 11 10 11 11
Profit before tax 128 147 130 177 147 81 5 -522 6 37 69 97 107
Tax % 25% 25% 4% 32% 23% 24% 25% -23% -7% 18% 10% 27% 24%
96 110 125 120 113 62 4 -401 6 31 62 71 81
EPS in Rs 8.19 9.38 7.31 7.02 6.64 3.61 0.22 -23.53 0.36 1.79 3.66 4.17 4.77
Gross NPA % 2.75% 3.03% 4.84% 4.85% 4.61% 4.40% 3.89%
Net NPA % 0.51% 0.34% 1.34% 1.58% 1.41% 1.34% 1.14%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
748 860 684 833 1,429 2,249 2,563 2,375 2,480
Interest 234 291 299 340 549 866 930 874 911
243 543 369 417 658 772 1,880 1,254 1,228
Financing Profit 271 27 16 75 222 611 -248 247 340
Financing Margin % 36% 3% 2% 9% 16% 27% -10% 10% 14%
2 6 12 10 17 6 2 5 13
Depreciation 3 14 19 21 27 35 43 43 43
Profit before tax 271 20 9 65 213 582 -289 209 310
Tax % 26% 8% 22% 27% 23% 23% -23% 18%
201 18 7 47 164 450 -223 170 245
EPS in Rs 17.63 1.59 0.62 4.15 14.03 26.37 -13.05 9.99 14.39
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 28%
3 Years: 18%
TTM: 1%
Compounded Profit Growth
10 Years: %
5 Years: 89%
3 Years: 1%
TTM: 174%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: 13%
Return on Equity
10 Years: %
5 Years: 6%
3 Years: 5%
Last Year: 6%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 114 114 114 114 117 167 168 168
Reserves 772 793 776 1,203 1,486 2,637 2,465 2,687
Borrowing 2,451 2,997 3,094 4,107 6,646 8,589 8,101 9,707
193 187 200 167 280 197 123 123
Total Liabilities 3,530 4,092 4,184 5,591 8,529 11,590 10,857 12,685
21 109 110 121 172 215 223 199
CWIP 1 0 0 0 0 0 0 0
Investments 0 0 0 0 63 47 354 406
3,509 3,983 4,074 5,470 8,294 11,329 10,280 12,080
Total Assets 3,530 4,092 4,184 5,591 8,529 11,590 10,857 12,685

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-602 114 -704 -1,084 -2,333 -1,272 1,382 -580
-6 -66 -38 -74 -180 -225 -128 -41
707 463 80 1,344 2,567 1,671 -1,485 626
Net Cash Flow 99 511 -662 187 54 174 -230 4
Free Cash Flow -613 91 -712 -1,095 -2,361 -1,299 1,361 -591
CFO/OP -105% 49% -222% -248% -298% -78% 219% -52%

Ratios

Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 23% 2% 1% 4% 11% 20% -8% 6%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Assets Under Management (AUM)
INR Mn

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Active Clients (Borrowers)
Million
Disbursement
INR Mn
Loan Officers (Relationship Officers)
count
Number of Branches
count
Total Employees
count
Overall Collection Efficiency
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
55.47% 55.47% 55.47% 55.47% 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% 23.25% 23.17% 22.81% 23.11%
2.80% 2.35% 2.28% 2.57% 2.44% 2.32% 2.49% 2.84% 3.03% 3.51% 3.38%
12.11% 14.01% 13.96% 14.38% 14.56% 15.05% 16.95% 16.74% 16.64% 16.61% 16.45%
2.03% 1.89% 1.74% 1.73% 1.73% 1.70% 1.70% 1.70% 1.69% 1.60% 1.60%
No. of Shareholders 2,15,0981,86,0881,70,2611,62,5751,61,6551,58,9761,58,2211,52,2901,45,4941,40,5001,36,798

* 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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