My Mudra Fincorp Ltd

My Mudra Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

My Mudra Fincorp Ltd

₹ 102 -4.69%
18 Sep 3:31 p.m.
Company website NSE - SME: MYMUDRA
About

Incorporated in 2013, My Mudra Fincorp
Ltd provides services for loans, insurance
and credit cards[1]

Key Points

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

Website NSE - ST
  • Market Cap ₹ 116 Cr.
  • Current Price ₹ 102
  • High / Low ₹ 119 / 51.6
  • Stock P/E 12.8
  • Book Value ₹ 46.9
  • Dividend Yield 0.00 %
  • ROCE 31.2 %
  • ROE 25.7 %
  • Face Value ₹ 10.0
Edit ratios

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

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Half Yearly Results

Figures in Rs. Crores

Sep 2023 Mar 2024 Sep 2024 Mar 2025
32.07 39.00 33.74 46.63
28.85 31.47 28.87 37.97
Operating Profit 3.22 7.53 4.87 8.66
OPM % 10.04% 19.31% 14.43% 18.57%
0.02 0.06 0.01 0.30
Interest 0.35 0.75 0.63 0.25
Depreciation 0.26 0.35 0.38 0.46
Profit before tax 2.63 6.49 3.87 8.25
Tax % 20.91% 33.13% 25.84% 25.45%
2.08 4.34 2.87 6.14
EPS in Rs 1,762.71 3,677.97 2.52 5.39
Raw PDF

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: -3%
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%

Shareholding Pattern

Numbers in percentages

1 Recently
Sep 2024Mar 2025
57.83% 57.83%
2.56% 0.96%
6.24% 0.37%
33.37% 40.84%
No. of Shareholders 8701,104

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

Concalls