WEBSITE BSE:544055 NSE: MUTHOOTMF Inc. Year: 1992 Industry: Finance - NBFC My Bucket: Add Stock
Last updated: 15:58
Muthoot Microfin is a non-banking microfinance company or an NBFC that provides secured and unsecured loans to rural people in India. It was founded in 1992 as part of the Muthoot Pappachan Group.It has a presence in 18 states and 339 districts, with over 3 million customers and 10,867 crore assets under management. They offer several banking products and services such as income generating loans, dairy loans, sanitation loans, secured loans and provides skill training programs. Within 3 decades, It is the fourth largest NBFC-MFI in India and th...Read More
Muthoot Microfin is a non-banking microfinance company or an NBFC that provides secured and unsecured loans to rural people in India. It was founded in 1992 as part of the Muthoot Pappachan Group.It has a presence in 18 states and 339 districts, with over 3 million customers and 10,867 crore assets under management. They offer several banking products and services such as income generating loans, dairy loans, sanitation loans, secured loans and provides skill training programs. Within 3 decades, It is the fourth largest NBFC-MFI in India and the third largest among NBFC-MFIs in South India.They aim to create a difference in the lives of rural India by helping them realize their entrepreneurial dreams and strives to be a socially responsible and environmentally friendly organization. ...Read Less
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Market Cap ₹3153 Cr.
Stock P/E -14.2
P/B 1.1
Current Price ₹184.9
Book Value ₹ 162.3
Face Value 10
52W High ₹210
Dividend Yield 0%
52W Low ₹ 124.3
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 564 | 577 | 643 | 663 | 662 | 681 | 555 | 559 | 576 | 603 |
| Other Income | 2 | 2 | 2 | 0 | 1 | 1 | 1 | 0 | 1 | 3 |
| Total Income | 565 | 579 | 645 | 664 | 663 | 681 | 556 | 559 | 577 | 605 |
| Total Expenditure | 189 | 208 | 227 | 273 | 334 | 428 | 845 | 333 | 318 | 304 |
| Operating Profit | 376 | 371 | 418 | 390 | 329 | 253 | -289 | 227 | 259 | 301 |
| Interest Expense | 221 | 232 | 231 | 234 | 237 | 237 | 222 | 210 | 211 | 222 |
| Depreciation | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 11 | 11 | 10 |
| Profit Before Tax | 147 | 130 | 177 | 147 | 81 | 5 | -522 | 6 | 37 | 69 |
| Provision for Tax | 37 | 5 | 58 | 33 | 20 | 1 | -121 | -0 | 7 | 7 |
| Profit After Tax | 110 | 125 | 120 | 113 | 62 | 4 | -401 | 6 | 31 | 62 |
| Adjustments | 0 | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 110 | 125 | 120 | 113 | 62 | 4 | -401 | 6 | 31 | 62 |
| Adjusted Earnings Per Share | 9.4 | 7.3 | 7 | 6.8 | 3.7 | 0.2 | -23.5 | 0.4 | 1.8 | 3.7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 52 | 244 | 503 | 714 | 860 | 684 | 833 | 1429 | 2249 | 2562 | 2293 |
| Other Income | 0 | 0 | 0 | 8 | 36 | 7 | 12 | 10 | 18 | 16 | 15 | 5 |
| Total Income | 0 | 52 | 244 | 511 | 750 | 867 | 696 | 843 | 1446 | 2265 | 2577 | 2297 |
| Total Expenditure | 1 | 16 | 104 | 285 | 243 | 543 | 369 | 417 | 658 | 781 | 1893 | 1800 |
| Operating Profit | -0 | 36 | 140 | 226 | 507 | 324 | 327 | 426 | 788 | 1483 | 684 | 498 |
| Interest Expense | 0 | 21 | 82 | 189 | 234 | 291 | 299 | 340 | 549 | 866 | 930 | 865 |
| Depreciation | 0 | 0 | 1 | 2 | 3 | 14 | 19 | 21 | 27 | 35 | 43 | 43 |
| Profit Before Tax | -0 | 15 | 57 | 35 | 271 | 20 | 9 | 65 | 213 | 582 | -289 | -410 |
| Provision for Tax | -0 | 5 | 20 | 50 | 69 | 1 | 2 | 17 | 49 | 132 | -66 | -107 |
| Profit After Tax | -0 | 9 | 37 | -14 | 201 | 18 | 7 | 47 | 164 | 450 | -223 | -302 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | -0 | 9 | 37 | -14 | 201 | 18 | 7 | 47 | 164 | 450 | -223 | -302 |
| Adjusted Earnings Per Share | 0 | 1.6 | 4.4 | -1.4 | 17.6 | 1.6 | 0.6 | 4.2 | 14 | 26.9 | -13.3 | -17.6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 14% | 45% | 24% | 0% |
| Operating Profit CAGR | -54% | 17% | 16% | 0% |
| PAT CAGR | -150% | NAN% | NAN% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 14% | NA% | NA% | NA% |
| ROE Average | -8% | 8% | 6% | 10% |
| ROCE Average | 6% | 11% | 10% | 10% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 5 | 69 | 189 | 403 | 886 | 907 | 890 | 1337 | 1626 | 2804 | 2632 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 224 | 749 | 2013 | 2451 | 2921 | 3016 | 3997 | 6493 | 3300 | 3366 |
| Current Liability | 0 | 231 | 522 | 113 | 146 | 171 | 274 | 253 | 407 | 5334 | 4697 |
| Other Liabilities & Provisions | -0 | 2 | 2 | 26 | 47 | 111 | -5 | 0 | -2 | 297 | 115 |
| Total Liabilities | 5 | 526 | 1462 | 2555 | 3530 | 4110 | 4174 | 5587 | 8523 | 11736 | 10810 |
| Loans | 0 | 432 | 992 | 1854 | 2699 | 2564 | 3293 | 4398 | 7027 | 9286 | 8740 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 63 | 47 | 354 |
| Fixed Assets | 0 | 2 | 7 | 13 | 21 | 109 | 110 | 121 | 172 | 215 | 223 |
| Other Loans | 0 | 1 | 3 | 1 | 0 | 7 | 4 | 8 | 15 | 159 | 127 |
| Other Non Current Assets | 0 | 17 | 57 | 2 | 7 | 1 | 1 | 2 | 0 | 256 | 132 |
| Current Assets | 5 | 75 | 402 | 685 | 803 | 1429 | 766 | 1058 | 1246 | 1774 | 1234 |
| Total Assets | 5 | 526 | 1462 | 2555 | 3530 | 4110 | 4174 | 5587 | 8523 | 11736 | 10810 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 5 | 5 | 48 | 316 | 571 | 670 | 1181 | 519 | 706 | 754 | 928 |
| Cash Flow from Operating Activities | -0 | -396 | -469 | -699 | -602 | 114 | -704 | -1084 | -2333 | -1272 | 1382 |
| Cash Flow from Investing Activities | 0 | -29 | -66 | -12 | -6 | -65 | -38 | -74 | -180 | -225 | -128 |
| Cash Flow from Financing Activities | 0 | 467 | 801 | 966 | 707 | 463 | 80 | 1344 | 2567 | 1671 | -1485 |
| Net Cash Inflow / Outflow | -0 | 43 | 267 | 255 | 99 | 511 | -662 | 187 | 54 | 174 | -230 |
| Closing Cash & Cash Equivalent | 5 | 48 | 315 | 571 | 670 | 1181 | 519 | 706 | 759 | 928 | 697 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0 | 1.57 | 4.42 | -1.4 | 17.62 | 1.59 | 0.62 | 4.15 | 14.03 | 26.88 | -13.28 |
| CEPS(Rs) | -0.28 | 1.57 | 4.53 | -1.22 | 17.88 | 2.8 | 2.27 | 5.97 | 16.3 | 29 | -10.72 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 0 | 11.53 | 22.03 | 39.11 | 77.5 | 79.34 | 77.86 | 115.28 | 136.69 | 166.77 | 155.99 |
| Net Profit Margin | -41.67 | 18.04 | 15.19 | -2.87 | 28.17 | 2.12 | 1.03 | 5.69 | 11.47 | 19.99 | -8.69 |
| Operating Margin | -60.31 | 68.38 | 57.01 | 44.61 | 70.61 | 36.08 | 45.07 | 48.63 | 53.32 | 64.38 | 25.03 |
| PBT Margin | -60.31 | 28 | 23.47 | 7 | 37.87 | 2.29 | 1.32 | 7.77 | 14.9 | 25.87 | -11.28 |
| ROA(%) | -3.06 | 3.54 | 3.73 | -0.72 | 6.61 | 0.48 | 0.17 | 0.97 | 2.32 | 4.44 | -1.97 |
| ROE(%) | -3.01 | 25.28 | 29.18 | -4.91 | 31.27 | 2.03 | 0.79 | 4.3 | 11.25 | 20.5 | -8.24 |
| ROCE(%) | -4.35 | 14.64 | 15.42 | 12.01 | 17.53 | 8.66 | 7.97 | 8.76 | 11.33 | 14.97 | 5.89 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7.43 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.2 | 0.79 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 1.48 | 7.91 | 3.58 | 2.87 | 2.5 | 1.95 | 3.49 | 3.76 | 3.84 | 4.64 | 3.49 |
| EV/Core EBITDA(x) | -2.49 | 11.56 | 6.24 | 6.38 | 3.52 | 5.17 | 7.29 | 7.35 | 6.95 | 7.03 | 13.07 |
| Interest Earned Growth(%) | 0 | 0 | 367.54 | 106.3 | 42 | 20.43 | -20.47 | 21.68 | 71.62 | 57.4 | 13.91 |
| Net Profit Growth | 0 | 6037.1 | 293.6 | -138.94 | 1495.26 | -90.95 | -61.25 | 571.93 | 245.77 | 174.32 | -149.5 |
| EPS Growth(%) | 0 | 0 | 181.64 | -131.74 | 1357.25 | -90.95 | -61.25 | 571.93 | 237.88 | 91.62 | -149.4 |
| Interest Coverage(x) % | 0 | 1.69 | 1.7 | 1.19 | 2.16 | 1.07 | 1.03 | 1.19 | 1.39 | 1.67 | 0.69 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 55.47 | 55.47 | 55.47 | 55.47 | 55.47 | 55.47 | 55.47 | 55.47 | 55.47 | 55.47 |
| FII | 4.83 | 3.52 | 3.79 | 3.09 | 3.04 | 2.7 | 0.64 | 0.49 | 0.41 | 0.05 |
| DII | 25.56 | 25.11 | 25.05 | 25.33 | 25.19 | 25.07 | 25.24 | 25.59 | 25.78 | 26.27 |
| Public | 14.14 | 15.91 | 15.7 | 16.11 | 16.3 | 16.75 | 18.65 | 18.44 | 18.34 | 18.21 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 9.46 | 9.46 | 9.46 | 9.46 | 9.46 | 9.46 | 9.46 | 9.46 | 9.46 | 9.46 |
| FII | 0.82 | 0.6 | 0.65 | 0.53 | 0.52 | 0.46 | 0.11 | 0.08 | 0.07 | 0.01 |
| DII | 4.36 | 4.28 | 4.27 | 4.32 | 4.3 | 4.28 | 4.3 | 4.36 | 4.4 | 4.48 |
| Public | 2.41 | 2.71 | 2.68 | 2.75 | 2.78 | 2.86 | 3.18 | 3.14 | 3.13 | 3.11 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 | 17.05 |
* The pros and cons are machine generated.
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