My Mudra Fincorp Ltd
Incorporated in 2013, My Mudra Fincorp
Ltd provides services for loans, insurance
and credit cards[1]
- Market Cap ₹ 77.5 Cr.
- Current Price ₹ 68.0
- High / Low ₹ 130 / 51.6
- Stock P/E 8.60
- Book Value ₹ 46.9
- Dividend Yield 0.00 %
- ROCE 31.2 %
- ROE 25.7 %
- Face Value ₹ 10.0
Pros
- Company has reduced debt.
- Company is almost debt free.
- Company has a good return on equity (ROE) track record: 3 Years ROE 38.5%
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Debtor days have increased from 66.4 to 86.4 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
Financial Services Financial Services Finance Other Financial Services
Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
28.46 | 53.56 | 71.14 | 80.37 | |
27.19 | 47.72 | 58.27 | 66.84 | |
Operating Profit | 1.27 | 5.84 | 12.87 | 13.53 |
OPM % | 4.46% | 10.90% | 18.09% | 16.83% |
0.00 | 0.00 | 0.00 | 0.31 | |
Interest | 0.41 | 0.56 | 1.10 | 0.88 |
Depreciation | 0.16 | 0.42 | 0.58 | 0.85 |
Profit before tax | 0.70 | 4.86 | 11.19 | 12.11 |
Tax % | 32.86% | 28.60% | 25.38% | 25.60% |
0.47 | 3.47 | 8.36 | 9.01 | |
EPS in Rs | 439.25 | 2,940.68 | 7,084.75 | 7.91 |
Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 41% |
TTM: | 13% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 168% |
TTM: | 8% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | % |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 39% |
Last Year: | 26% |
Balance Sheet
Figures in Rs. Crores
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
Equity Capital | 0.01 | 0.01 | 0.01 | 11.39 |
Reserves | 4.37 | 8.43 | 16.79 | 42.02 |
3.41 | 3.71 | 9.65 | 3.52 | |
1.61 | 2.70 | 3.83 | 4.56 | |
Total Liabilities | 9.40 | 14.85 | 30.28 | 61.49 |
1.02 | 1.15 | 2.00 | 11.24 | |
CWIP | 0.00 | 1.22 | 3.62 | 0.00 |
Investments | 0.26 | 0.00 | 0.25 | 0.00 |
8.12 | 12.48 | 24.41 | 50.25 | |
Total Assets | 9.40 | 14.85 | 30.28 | 61.49 |
Cash Flows
Figures in Rs. Crores
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
-0.04 | 1.36 | 1.76 | 2.17 | |
-0.03 | -1.45 | -5.54 | -8.00 | |
0.21 | 0.39 | 4.97 | 21.00 | |
Net Cash Flow | 0.14 | 0.30 | 1.20 | 15.17 |
Ratios
Figures in Rs. Crores
Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|
Debtor Days | 48.48 | 47.29 | 65.42 | 86.42 |
Inventory Days | ||||
Days Payable | ||||
Cash Conversion Cycle | 48.48 | 47.29 | 65.42 | 86.42 |
Working Capital Days | 50.92 | 47.50 | 77.22 | 68.26 |
ROCE % | 54.36% | 63.68% | 31.16% |
Documents
Announcements
-
Appointment
25 August 2025 - Re-appointment of M/s Hitesh Goyal (secretarial) and M/s Awadhesh Kumar (internal) auditors for FY2025-26.
-
Outcome of Board Meeting
25 August 2025 - Board calls 12th AGM on Sep 29, 2025; cut-off Sep 22; NSDL e-voting; auditors reappointed.
-
Updates
14 August 2025 - My Mudra signs agency agreement with ICICI Prudential to sell life insurance products.
-
Updates
28 July 2025 - My Mudra becomes authorised partner of Kotak Mahindra Bank for solar and industrial equipment loans.
-
Updates
20 July 2025 - Received NSE caution for delay in submitting Nov 19, 2024 investor call audio recording link.
Annual reports
No data available.
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