My Mudra Fincorp Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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
| 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 | — |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
No standalone quarterly results found
We don't have this information yet. Please check back later.
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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
Standalone Figures in Rs. Crores / View Consolidated
| 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
Standalone Figures in Rs. Crores / View Consolidated
| 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
Standalone Figures in Rs. Crores / View Consolidated
| 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 |
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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