My Mudra Fincorp Ltd.

•

mymudra.comBSE: -NSE: MYMUDRA

Market Cap₹ 82 Cr.

Current Price

High / Low₹ 119 / 63

Stock P/E6.8

Book Value₹ 47

Price to Book1.10

Dividend Yield0.00 %

ROCE31.4 %

ROE25.8 %

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 a healthy return on capital (ROCE) of 46.4%
Company has a good return on equity (ROE) track record: 3 Years ROE 43.9%
Solid return on assets for a lender - ROA of 19.7%
Asset quality is healthy - gross NPA of just 0.0%
Operating margins have improved to 16.9% from 4.5%

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Thin net interest margin of 0.0%
Free cash flow has been persistently negative

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

Peer comparison

Financial ServicesFinanceFinance - Housing

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJAJHFL	83.02	664.12	69175.04	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2225.15	31.21	52653.79	0.49	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	180.50	8.49	36134.29	3.35	851.11	35.05	3717.17	27.10	8.41	97.08
4.	LICHSGFIN	565.00	5.42	31078.56	1.77	1499.03	9.90	7082.59	-1.16	8.59	97.06
5.	PNBHOUSING	1165.50	13.13	30396.70	0.69	557.34	4.47	2263.44	9.02	9.41	91.52
6.	AADHARHFC	483.25	18.56	21176.34	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	158.45	0.00	18452.40	0.00	243.30	-27.22	1651.93	-31.18	3.64	99.91
8.	APTUS	258.35	13.14	12938.95	1.74	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1210.10	21.76	12652.74	0.43	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	CANFINHOME	806.65	9.51	10740.92	1.86	267.82	19.63	1096.15	7.43	9.14	91.29
11.	AAVAS	1303.60	21.07	10336.81	0.00	142.48	12.34	546.02	21.42	9.97	74.58
12.	MYMUDRA	72.00	6.83	82.02	0.00	—	—	—	—	31.36	—

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	28	53	71	80
	27	48	60	67
Operating Profit	1	6	11	14
OPM %	4.18%	10.73%	15.17%	16.86%
	0	0	0	0
Interest	0	1	1	1
Depreciation	0	0	1	1
Profit before Tax	1	5	9	12
Tax %	32.98%	28.62%	29.62%	25.62%
Net Profit	0	3	6	9
EPS	0.63	4.19	5445.68	7.91
Dividend Payout %	0.00%	0.00%	0.00%	0.00%

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 41%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: 168%

STOCK PRICE CAGR

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

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 44%
Last Year:: 26%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	0	0	0	11
	4	8	16	42
	3	3	7	2
Trade Payables	0	0	0	1
	2	3	6	5
Total Liabilities	9	15	30	61
	1	1	2	4
	0	0	13	19
Cash & Bank	0	1	2	17
	8	13	13	21
Total Assets	9	15	30	61

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	0	2	1	2
Cash from Investing	-0	-1	-4	-8
Cash from Financing	0	0	5	21
	0	0	1	15

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	437.94	2938.56	5445.68	7.91
Book Value (₹)	4092.34	7154.75	13907.97	46.89
Dividend per Share (₹)	0.00	0.00	0.00	0.00
Cash EPS (₹)	0.84	4.71	8.52	8.65
PROFITABILITY
Operating Margin %	4.46%	10.92%	15.17%	16.86%
Net Margin %	1.65%	6.49%	9.04%	11.21%
ROE %	10.70%	54.09%	51.71%	25.81%
ROCE %	14.19%	54.32%	53.63%	31.36%
	5.00%	28.74%	28.65%	19.73%
EFFICIENCY
Debtor Days	49	37	51	72
Inventory Days	0	0	0	0
Payable Days	0	0	0	0
	49	37	51	72
FINANCIAL HEALTH
Debt to Equity (x)	0.78x	0.44x	0.59x	0.07x
Interest Coverage (x)	2.72x	9.69x	9.18x	14.47x
	1.63x	2.09x	1.95x	7.26x
GROWTH
Revenue Growth %	0.00%	88.36%	32.95%	13.08%
Operating Profit Growth %	0.00%	361.29%	85.98%	27.67%
Net Profit Growth %	0.00%	639.97%	85.32%	40.22%
	0.00%	0.00%	85.32%	-99.85%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	6.52x
P/B (x)	0.00x	0.00x	0.00x	1.10x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.71x	3.26x

Shareholding Pattern

Numbers in percentages

	Sep 2024	Mar 2025	Sep 2025	Mar 2026
	57.83	57.83	57.89	57.89
	2.56	0.96	0.00	1.08
	1.69	0.26	0.60	0.00
Government	0.00	0.00	0.00	0.00
	37.92	40.94	41.51	41.03

Documents

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

No announcements filed.

News

Recent coverage and analyst commentary for MYMUDRA

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My Mudra Fincorp Ltd.

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Name

BAJAJHFL

83.02

664.12

69175.04

0.00

715.28

22.63

3063.02

17.79

8.83

92.39

PIRAMALFIN

2225.15

31.21

52653.79

0.49

460.98

—

3368.27

33.52

7.74

64.47

HUDCO

180.50

8.49

36134.29

3.35

851.11

35.05

3717.17

27.10

8.41

97.08

LICHSGFIN

565.00

5.42

31078.56

1.77

1499.03

9.90

7082.59

-1.16

8.59

97.06

PNBHOUSING

1165.50

13.13

30396.70

0.69

557.34

4.47

2263.44

9.02

9.41

91.52

AADHARHFC

483.25

18.56

21176.34

0.00

282.36

19.00

992.89

17.06

11.31

75.02

SAMMAANCAP

158.45

0.00

18452.40

0.00

243.30

-27.22

1651.93

-31.18

3.64

99.91

APTUS

258.35

13.14

12938.95

1.74

260.94

19.01

600.29

15.38

15.45

81.94

HOMEFIRST

1210.10

21.76

12652.74

0.43

1598.51

1244.52

5380.11

1086.05

11.13

77.98

CANFINHOME

806.65

9.51

10740.92

1.86

267.82

19.63

1096.15

7.43

9.14

91.29

AAVAS

1303.60

21.07

10336.81

0.00

142.48

12.34

546.02

21.42

9.97

74.58

MYMUDRA

72.00

6.83

82.02

0.00

—

31.36

—

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Operating Profit

OPM %

4.18%

10.73%

15.17%

16.86%

Interest

Depreciation

Profit before Tax

Tax %

32.98%

28.62%

29.62%

25.62%

Net Profit

EPS

0.63

4.19

5445.68

7.91

Dividend Payout %

0.00%

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Equity Capital

Trade Payables

Total Liabilities

Cash & Bank

Total Assets

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Cash from Investing

-0

-1

-4

-8

Cash from Financing

Mar 2022

Mar 2023

Mar 2024

Mar 2025

PER SHARE

EPS (₹)

437.94

2938.56

5445.68

7.91

Book Value (₹)

4092.34

7154.75

13907.97

46.89

Dividend per Share (₹)

0.00

Cash EPS (₹)

0.84

4.71

8.52

8.65

PROFITABILITY

Operating Margin %

4.46%

10.92%

15.17%

16.86%

Net Margin %

1.65%

6.49%

9.04%

11.21%

ROE %

10.70%

54.09%

51.71%

25.81%

ROCE %

14.19%

54.32%

53.63%

31.36%

5.00%

28.74%

28.65%

19.73%

EFFICIENCY

Debtor Days

Inventory Days

Payable Days

FINANCIAL HEALTH

Debt to Equity (x)

0.78x

0.44x

0.59x

0.07x

Interest Coverage (x)

2.72x

9.69x

9.18x

14.47x

1.63x

2.09x

1.95x

7.26x

GROWTH

Revenue Growth %

0.00%

88.36%

32.95%

13.08%

Operating Profit Growth %

0.00%

361.29%

85.98%

27.67%

Net Profit Growth %

0.00%

639.97%

85.32%

40.22%

0.00%

85.32%

-99.85%

VALUATION

P/E (x)

0.00x

6.52x

P/B (x)

0.00x

1.10x

Dividend Yield %

0.00%

0.00x

0.71x

3.26x

Sep 2024

Mar 2025

Sep 2025

Mar 2026

57.83

57.89

2.56

0.96

0.00

1.08

1.69

0.26

0.60

0.00

Government

0.00

37.92

40.94

41.51

41.03

My Mudra Fincorp Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

My Mudra Fincorp Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI