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Muthoot Microfin Ltd.

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muthootmicrofin.comBSE: 544055NSE: MUTHOOTMF
Market Cap₹ 3,348 Cr.
Current Price
High / Low₹ 263 / 141
Stock P/E13.6
Book Value₹ 171
Price to Book0.87
Dividend Yield0.00 %
ROCE9.4 %
ROE6.2 %
Face Value₹ 10

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ABOUT

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

  • Company has delivered good profit growth of 89.0% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 23.9%
  • Solid return on assets for a lender - ROA of 1.5%
  • Latest quarter profit grew 1216.1% YoY, showing strong momentum
  • Company has delivered good sales growth of 28.2% CAGR over last 5 years

CONS

  • Company has a low return on equity of 6.2% over last 3 years
  • Company has a low return on capital employed of 10.1%
  • Equity base is being diluted - shares outstanding up 43.6%
  • Operating margins have contracted to 46.4% from 55.2%
  • Growth is decelerating - 3Y profit CAGR (1.3%) trails the 5Y trend (89.0%)
  • Company's return on assets is weak at 1.5%

* 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.BAJFINANCE1046.0032.08651234.820.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1038.0021.58244239.691.043452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1849.1027.46157925.340.111656.2245.568856.2921.899.7070.07
4.TATACAP362.9528.51154067.520.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN231.1573.86152631.620.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG10971.0013.79122100.111.782708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2840.0010.03114017.051.062824.8443.088671.6036.2515.8783.76
8.ABCAPITAL400.0026.68109501.940.001223.8543.8512179.54137.848.8241.91
9.LTF311.2524.5178010.220.88915.9930.705212.9222.388.5462.13
10.SBICARD666.0027.8663379.430.38664.4419.515040.557.6011.7529.83
11.HDBFS676.5025.8356201.250.59785.2038.314937.9018.719.0957.98
12.MUTHOOTMF196.3513.643347.610.00813.3813052.986686.351096.949.4454.17
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
475563571647657667676549552572597627669
150189208476273586428845333318304300564
Operating Profit329374368414390332253-290226258299332362
OPM %69.20%66.50%64.49%64.04%59.35%49.81%37.37%-52.81%40.94%45.20%50.03%53.00%54.17%
Other Income1227011101372
Interest194221232234234241237222210211222232247
Depreciation89910101111111111101111
128147130177147815-5226376997107
Tax %25.26%25.25%4.07%32.49%22.75%24.12%25.05%23.11%-7.29%17.76%9.64%26.62%23.70%
Net Profit96110125120113624-401631627181
8991700-2402440

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2445037148606848331,4292,2492,5622,3702,464
1042852435433694176587811,8931,2691,486
Operating Profit1402184713183154157711,4686681,101979
OPM %57.41%43.31%65.97%36.92%46.06%49.88%53.96%65.26%26.10%46.45%39.71%
0836712101816162613
Interest82189234291299340549866930874911
Depreciation1231419212735434343
Profit before Tax573527120965213582-289209310
Tax %35.27%140.96%25.62%7.57%22.10%26.77%23.01%22.73%22.98%18.50%20.77%
Net Profit37-1420118747164450-223170245
EPS0.000.000.001.590.623.9711.9826.88-13.2810.15—
Dividend Payout %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%—

COMPOUNDED SALES GROWTH

10 Years:
46%
5 Years:
28%
3 Years:
18%

COMPOUNDED PROFIT GROWTH

10 Years:
34%
5 Years:
89%
3 Years:
1%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
—
1 Year:
18%

RETURN ON EQUITY

10 Years:
9%
5 Years:
7%
3 Years:
6%
Last Year:
6%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

No bonus data found

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
84103114114114114117167168168
1012997717927751,2021,4802,6222,4472,667
1,1332,0132,4512,9973,0163,9976,4938,5568,0779,672
Trade Payables05543812241917
14413418920426626642136652113
Total Liabilities1,4622,5553,5304,1104,1745,5878,52311,73610,76312,637
71321109110121172215223199
Capital Work in Progress1010000000
0000006347354406
0000000152225
Cash & Bank3466727811,3607451,0001,1501,3361,050978
1,1081,8702,7282,6413,3194,4657,13810,1249,11411,029
Total Assets1,4622,5553,5304,1104,1745,5878,52311,73610,76312,637

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-448-647-533154-699-1,031-2,299-1,2721,382-580
Cash from Investing-66-12-6-65-38-74-180-225-128-41
Cash from Financing801966707463801,3442,5671,671-1,485626
26725599511-66218754174-2304

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
55.4755.4755.4755.4755.4755.4755.4755.47
3.093.032.700.640.490.410.050.35
2.572.432.312.482.833.023.503.37
Government0.000.000.000.000.000.000.000.00
16.1116.3016.7518.6518.4418.3418.2118.05

Documents

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

2026-09-08
Allotment of Securities

2026-09-08 - Muthoot Microfin Limited has informed the Exchange regarding allotment of 250000 securities pursuant to Non Convertible Securities at its meeting held on September 08, 2026

2026-09-08
Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Muthoot Microfin Limited has informed the Exchange about Schedule of meet

2026-08-28
Issue of Securities

2026-08-28 - Muthoot Microfin Limited has informed the Exchange about issue of Securities

2026-08-28
Committee Meeting Updates

2026-08-28 - Muthoot Microfin Limited has informed the Exchange regarding Outcome of Committee Meeting held on August 28, 2026.

2026-08-25
Committee Meeting Updates

2026-08-25 - Muthoot Microfin Limited has informed the Exchange regarding Committee Meeting to be held on August 28, 2026.

2026-08-24
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-24 - Muthoot Microfin Limited has informed the Exchange about Schedule of meet

2026-08-17
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - Muthoot Microfin Limited has informed the Exchange about Schedule of meet

2026-08-14
General Updates

2026-08-14 - Muthoot Microfin Limited has informed the Exchange about Asset Liability Management Statement for the month of July 2026

2026-08-12
Appointment

2026-08-12 - Muthoot Microfin Limited has informed the Exchange regarding Appointment of as Non- Executive Director of the company w.e.f. Jun 30, 2026.

News

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