My Mudra Fincorp Ltd
Incorporated in 2013, My Mudra Fincorp
Ltd provides services for loans, insurance
and credit cards[1]
- Market Cap ₹ 91.2 Cr.
- Current Price ₹ 80.1
- High / Low ₹ 119 / 51.6
- Stock P/E 7.93
- Book Value ₹ 51.6
- Dividend Yield 0.00 %
- ROCE 31.4 %
- ROE 25.8 %
- Face Value ₹ 10.0
Pros
- Company has a good return on equity (ROE) track record: 3 Years ROE 35.2%
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Debtor days have increased from 66.3 to 86.1 days.
* 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
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Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|
| 28 | 54 | 71 | 81 | 105 | |
| 27 | 48 | 60 | 67 | 88 | |
| Operating Profit | 1 | 6 | 11 | 14 | 17 |
| OPM % | 4% | 11% | 15% | 17% | 16% |
| 0 | 0 | 0 | 0 | 1 | |
| Interest | 0 | 1 | 1 | 1 | 1 |
| Depreciation | 0 | 0 | 1 | 1 | 1 |
| Profit before tax | 1 | 5 | 9 | 12 | 15 |
| Tax % | 33% | 29% | 30% | 26% | |
| 0 | 3 | 6 | 9 | 12 | |
| EPS in Rs | 439.25 | 2,940.68 | 5,449.15 | 7.91 | 10.10 |
| Dividend Payout % | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 42% |
| TTM: | 44% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 168% |
| TTM: | 60% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | 19% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 35% |
| Last Year: | 26% |
Balance Sheet
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|
| Equity Capital | 0.01 | 0.01 | 0.01 | 11 | 11 |
| Reserves | 4 | 8 | 16 | 42 | 47 |
| 3 | 4 | 10 | 4 | 12 | |
| 2 | 3 | 4 | 5 | 7 | |
| Total Liabilities | 9 | 15 | 30 | 61 | 78 |
| 1 | 1 | 2 | 4 | 15 | |
| CWIP | 0 | 1 | 4 | 8 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 |
| 8 | 12 | 24 | 50 | 63 | |
| Total Assets | 9 | 15 | 30 | 61 | 78 |
Cash Flows
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| -0 | 1 | 1 | 2 | |
| -0 | -1 | -4 | -8 | |
| 0 | 0 | 5 | 21 | |
| Net Cash Flow | 0 | 0 | 1 | 15 |
Ratios
Figures in Rs. Crores
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|
| Debtor Days | 48 | 47 | 65 | 86 |
| Inventory Days | ||||
| Days Payable | ||||
| Cash Conversion Cycle | 48 | 47 | 65 | 86 |
| Working Capital Days | 51 | 48 | 75 | 104 |
| ROCE % | 54% | 54% | 31% |
Documents
Announcements
-
Updates
27 January 2026 - My Mudra Fincorp opened a Raipur, Chhattisgarh branch on Jan 27, 2026 to expand presence.
-
Monthly Business Updates
16 January 2026 - Estimated December 2025 turnover INR 8.22 Cr; December YoY +52.8%; Apr–Dec 81.82 Cr.
-
Certificate under SEBI (Depositories and Participants) Regulations, 2018
12 January 2026 - RTA certificate under Reg. 74(5) for quarter ended Dec 31, 2025.
-
Updates
12 January 2026 - Opened Hyderabad branch on Jan 12, 2026 to expand southern India presence.
-
Updates
16 December 2025 - Opened Bhopal branch (Dec 16, 2025) to strengthen Central India presence.
Annual reports
Concalls
-
Nov 2024Transcript PPT
Business Overview:[1]
MMFL specializes in distribution and sales of a diverse range of Financial Products like Loans (secured & unsecured), Insurance and Credit Cards. Currently, the company has 9 owned branches and 154 franchisees in 15+ states. It is a Corporate DSA for 90+ banks and NBFCs in India