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Mufin Green Finance Ltd.

•
mufingreenfinance.comBSE: 542774NSE: MUFIN
Market Cap₹ 2,731 Cr.
Current Price
High / Low₹ 142 / 83
Stock P/E71.5
Book Value₹ 30
Price to Book4.58
Dividend Yield0.00 %
ROCE12.6 %
ROE8.6 %
Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Financing and Investing: 88.3% • EV Charging Infrastructure and Solar Power Plant: 11.7%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Comfortable capital adequacy - CAR of 30.9%
  • Asset quality is healthy - gross NPA of just 0.0%
  • Solid return on assets for a lender - ROA of 2.1%
  • Latest quarter profit grew 240.9% YoY, showing strong momentum
  • Company has delivered good sales growth of 148.7% CAGR over last 5 years

CONS

  • Net NPA is elevated at 2.1% - provisioning cushion is thin
  • Promoter holding has decreased over last 2 years: -7.2pp
  • Company has a low return on equity of 7.8% over last 3 years
  • Company has a low return on capital employed of 10.0%
  • Free cash flow has been persistently negative
  • Operating margins have contracted to 74.2% from 84.4%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1060.5032.52660262.450.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1041.0021.64244945.591.043452.7759.9013400.4317.4611.4974.63
3.TATACAP375.0029.46159182.590.1516281.801464.1688219.301051.008.6675.72
4.JIOFIN239.8576.64158376.350.258302.502457.2920044.703172.822.1169.71
5.CHOLAFIN1839.0027.31157062.740.111656.2245.568856.2921.899.7070.07
6.BAJAJHLDNG11148.7514.01124078.351.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2920.0010.31117228.791.032824.8443.088671.6036.2515.8783.76
8.ABCAPITAL404.8027.00110814.490.001223.8543.8512179.54137.848.8241.91
9.LTF314.0024.7378699.470.88915.9930.705212.9222.388.5462.13
10.SBICARD657.9027.5262608.600.38664.4419.515040.557.6011.7529.83
11.HDBFS682.2526.0556678.940.59785.2038.314937.9018.719.0957.98
12.MUFIN137.8072.132730.670.0014.01345.5076.8660.1312.4478.61
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
18212732374043404851556477
7167910911121717151258
Operating Profit11142022273132283135415360
OPM %62.73%67.52%72.65%68.06%73.01%77.44%74.96%70.24%65.66%68.69%74.82%82.82%78.61%
Other Income0001000000000
Interest691317202224232526313841
Depreciation0011111101111
556568856891519
Tax %25.65%25.34%25.41%20.86%25.96%29.16%26.19%19.29%25.41%26.55%25.43%25.22%25.53%
Net Profit345456644671114
0000000000010

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
03223153498161246
00802162942101
Operating Profit03-722131868119145
OPM %87.00%94.00%-385.34%98.20%84.26%53.62%69.89%74.16%58.86%
000100011
Interest0000064590136
Depreciation000002233
Profit before Tax03-7231311212751
Tax %25.67%13.81%8.65%11.87%14.17%24.78%24.35%25.76%25.59%
Net Profit03-620118162038
EPS0.000.00-2.829.202.521.730.991.24—
Dividend Payout %0.00%—0.00%0.00%3.97%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
—
5 Years:
149%
3 Years:
119%

COMPOUNDED PROFIT GROWTH

10 Years:
—
5 Years:
—
3 Years:
23%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
60%

RETURN ON EQUITY

10 Years:
—
5 Years:
12%
3 Years:
8%
Last Year:
9%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2023

Jul 7

2:1

Increase in Authorised Capital & Bonus issue & Audited Results

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital2044451616
073678697147207235
001000226667727
05021173643
Total Liabilities27882931033959261,021
00002396
166597310355
00000000
Cash & Bank041014118241135
19211977270670875
Total Assets27882931033959261,021

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
-24-125-59-191-399-204
Cash from Investing00-1667-85-5790
Cash from Financing0010-10-026948656
-23-3-098704

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
PER SHARE
EPS (₹)0.100.00-2.829.205.041.610.991.24
Book Value (₹)2.110.0032.7841.9847.0230.2413.7615.35
Dividend per Share (₹)0.000.000.000.000.200.000.000.00
Cash EPS (₹)0.020.00-0.471.530.840.331.131.44
PROFITABILITY
Operating Margin %87.03%94.00%-384.96%100.43%84.40%54.02%69.89%74.16%
Net Margin %64.34%81.01%-361.05%87.04%71.32%23.54%16.43%12.60%
ROE %4.75%7.31%-8.51%24.60%11.32%6.40%8.56%8.56%
ROCE %6.43%8.02%-8.24%26.61%13.33%6.98%10.47%12.61%
4.72%6.83%-7.66%22.81%11.13%3.26%2.43%2.08%
EFFICIENCY
Debtor Days096860400
Inventory Days00000000
Payable Days00000000
096860400
FINANCIAL HEALTH
Debt to Equity (x)0.00x0.00x0.15x0.00x0.00x1.48x2.87x2.80x
Interest Coverage (x)187.10x0.00x-40.12x63.38x83.60x2.80x1.47x1.30x
51.23x343.02x2.04x60.93x74.37x2.12x0.76x0.40x
GROWTH
Revenue Growth %0.00%2064.48%-49.88%1250.56%-33.18%125.99%183.65%64.59%
Operating Profit Growth %0.00%2237.71%-305.25%452.33%-43.85%44.64%270.43%74.59%
Net Profit Growth %0.00%2625.14%-323.36%425.58%-45.25%-25.41%97.91%26.28%
0.00%0.00%0.00%0.00%0.00%0.00%-38.55%25.21%
VALUATION
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x134.16x56.72x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x9.66x4.58x
Dividend Yield %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
0.00x0.00x0.00x0.00x0.00x0.00x37.02x14.27x

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
54.5154.5154.3554.3154.2054.2054.1147.3047.30
0.490.330.861.250.850.841.061.182.26
13.0913.0912.5312.5211.8411.898.389.2810.04
Government0.000.000.000.000.000.000.000.000.00
31.9032.0632.2631.9233.1233.0736.4442.2440.40

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-05
General Updates

2026-09-05 - Mufin Green Finance Limited has informed the Exchange regarding intimation of business responsibility and sustainability report for FY2026

2026-09-05
Shareholders meeting

2026-09-05 - Mufin Green Finance Limited has informed the Exchange about Shareholders meeting

2026-09-05
Copy of Newspaper Publication

2026-09-05 - Mufin Green Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-09-02
Appointment

2026-09-02 - Mufin Green Finance Limited has informed the Exchange regarding Appointment of Mr Sumit Garg as Head of Strategy designated as Senior Management Personnel and Mr. Prakash L Pogaku as Chief Compliance Officer of the company w.e.f. September 02, 2026.

2026-09-02
Outcome of Board Meeting

2026-09-02 - Mufin Green Finance Limited has informed the Exchange regarding Outcome of Board Meeting held on September 02, 2026.

2026-08-31
Clarification - Financial Results

2026-08-31 - The Exchange has sought clarification from Mufin Green Finance Limited for the quarter ended 30-Jun-2026 with respect to Regulation 33 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. On basis of above the Company is required to clarify the following: The response of the Company is awaited.

2026-08-26
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Mufin Green Finance Limited has informed the Exchange about Transcript of conference call held on August 20, 2026

2026-08-13
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-13 - Mufin Green Finance Limited has informed the Exchange about Schedule of Analyst/ Investor Meet

2026-08-13
Copy of Newspaper Publication

2026-08-13 - Mufin Green Finance Limited has informed the Exchange about Copy of Newspaper Publication of Unaudited Financial Results (Standalone & Consolidated) for quarter ended June 30, 2026.

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