My Mudra Fincorp Ltd.

•

₹ 76.652.89%

2026-08-21

mymudra.comBSE: -NSE: MYMUDRA

Market Cap₹ 87 Cr.

Current Price₹ 74

High / Low₹ 119 / 63

Stock P/E0.0

Book Value₹ 47

Price to Book1.10

Dividend Yield0.00 %

ROCE31.4 %

ROE25.8 %

Face Value₹ 10

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ABOUT

KEY POINTS

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

EDIT COLUMNS

Financial ServicesFinanceFinance - Housing

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

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJAJHFL	85.01	680.04	70833.18	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2054.70	27.61	46575.47	0.54	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	188.55	8.87	37745.82	3.21	851.11	35.05	3717.17	27.10	8.41	97.08
4.	PNBHOUSING	1175.50	13.23	30632.35	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
5.	LICHSGFIN	498.50	4.78	27420.64	2.01	1499.03	9.90	7082.59	-1.16	8.59	97.06
6.	AADHARHFC	477.45	18.32	20899.77	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	153.65	0.00	17893.42	0.00	243.30	-27.22	1651.93	-31.18	3.64	99.91
8.	APTUS	252.90	12.86	12665.68	1.78	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1182.35	0.00	12359.55	0.44	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	AAVAS	1375.45	22.23	10905.95	0.00	142.48	12.34	546.02	21.42	10.15	74.58
11.	CANFINHOME	817.75	0.00	10888.72	1.83	267.82	19.63	1096.15	7.43	9.14	91.29
12.	MYMUDRA	75.95	0.00	86.52	0.00	—	—	—	—	31.36	—

Detailed Comparison with:

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	11	15	17
Other Income	0	0	0	0
Interest	0	1	1	1
Depreciation	0	0	1	1
	1	5	9	12
Tax %	33	29	30	26
Net Profit	0	3	6	9
EPS	1	4	5,446	8
Dividend Payout %	0	0	0	0
Minority Interest	0	0	0	0
Share of Associates	0	0	0	0
Adjusted EPS	1	4	8	8
Minority Interest	0	0	0	0
Share of Associates	0	0	0	0
Adjusted EPS	1	4	8	8

Mar 2022

: 28
: 27
Operating Profit: 1
OPM %: 4
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 33
Net Profit: 0
EPS: 1
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 1
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 1

Mar 2023

: 53
: 48
Operating Profit: 6
OPM %: 11
Other Income: 0
Interest: 1
Depreciation: 0
: 5
Tax %: 29
Net Profit: 3
EPS: 4
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 4
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 4

Mar 2024

: 71
: 60
Operating Profit: 11
OPM %: 15
Other Income: 0
Interest: 1
Depreciation: 1
: 9
Tax %: 30
Net Profit: 6
EPS: 5,446
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8

Mar 2025

: 80
: 67
Operating Profit: 14
OPM %: 17
Other Income: 0
Interest: 1
Depreciation: 1
: 12
Tax %: 26
Net Profit: 9
EPS: 8
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 8

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:: 9%

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
LIABILITIES	-	-	-	-
Equity Capital	0	0	0	11
	4	8	16	42
	1	2	4	0
Trade Payables	0	0	0	1
	3	4	9	7
Total Liabilities	9	15	30	61
ASSETS	-	-	-	-
	1	1	2	4
	0	0	13	19
Cash & Bank	0	1	2	17
	8	13	13	21
Total Assets	9	15	30	61
Total Debt	3	4	10	4
Net Working Capital	2	5	10	38
Contingent Liabilities	0	0	1	1
Book Value per Share	4092.34	7154.75	13907.97	46.89
Face Value	10.00	10.00	10.00	10.00
Total Debt	3	4	10	4
Net Working Capital	2	5	10	38
Contingent Liabilities	0	0	1	1
Book Value per Share	4092.34	7154.75	13907.97	46.89
Face Value	10.00	10.00	10.00	10.00

Mar 2022

Equity Capital: 0
: 4
: 1
Trade Payables: 0
: 3
Total Liabilities: 9
: 1
: 0
Cash & Bank: 0
: 8
Total Assets: 9
Total Debt: 3
Net Working Capital: 2
Contingent Liabilities: 0
Book Value per Share: 4092.34
Face Value: 10.00
Total Debt: 3
Net Working Capital: 2
Contingent Liabilities: 0
Book Value per Share: 4092.34
Face Value: 10.00

Mar 2023

Equity Capital: 0
: 8
: 2
Trade Payables: 0
: 4
Total Liabilities: 15
: 1
: 0
Cash & Bank: 1
: 13
Total Assets: 15
Total Debt: 4
Net Working Capital: 5
Contingent Liabilities: 0
Book Value per Share: 7154.75
Face Value: 10.00
Total Debt: 4
Net Working Capital: 5
Contingent Liabilities: 0
Book Value per Share: 7154.75
Face Value: 10.00

Mar 2024

Equity Capital: 0
: 16
: 4
Trade Payables: 0
: 9
Total Liabilities: 30
: 2
: 13
Cash & Bank: 2
: 13
Total Assets: 30
Total Debt: 10
Net Working Capital: 10
Contingent Liabilities: 1
Book Value per Share: 13907.97
Face Value: 10.00
Total Debt: 10
Net Working Capital: 10
Contingent Liabilities: 1
Book Value per Share: 13907.97
Face Value: 10.00

Mar 2025

Equity Capital: 11
: 42
: 0
Trade Payables: 1
: 7
Total Liabilities: 61
: 4
: 19
Cash & Bank: 17
: 21
Total Assets: 61
Total Debt: 4
Net Working Capital: 38
Contingent Liabilities: 1
Book Value per Share: 46.89
Face Value: 10.00
Total Debt: 4
Net Working Capital: 38
Contingent Liabilities: 1
Book Value per Share: 46.89
Face Value: 10.00

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	-0	1	1	2
Cash from Investing	-0	-1	-4	-8
Cash from Financing	0	0	5	21
	0	0	1	15
Free Cash Flow	-0	1	-1	-0
OCF / Net Profit	-0.08	0.39	0.09	0.24
Cumulative 5-Year FCF	0	0	0	0
OCF / Net Profit	-0.08	0.39	0.09	0.24
Cumulative 5-Year FCF	0	0	0	0

Mar 2022

: -0
Cash from Investing: -0
Cash from Financing: 0
: 0
Free Cash Flow: -0
OCF / Net Profit: -0.08
Cumulative 5-Year FCF: 0
OCF / Net Profit: -0.08
Cumulative 5-Year FCF: 0

Mar 2023

: 1
Cash from Investing: -1
Cash from Financing: 0
: 0
Free Cash Flow: 1
OCF / Net Profit: 0.39
Cumulative 5-Year FCF: 0
OCF / Net Profit: 0.39
Cumulative 5-Year FCF: 0

Mar 2024

: 1
Cash from Investing: -4
Cash from Financing: 5
: 1
Free Cash Flow: -1
OCF / Net Profit: 0.09
Cumulative 5-Year FCF: 0
OCF / Net Profit: 0.09
Cumulative 5-Year FCF: 0

Mar 2025

: 2
Cash from Investing: -8
Cash from Financing: 21
: 15
Free Cash Flow: -0
OCF / Net Profit: 0.24
Cumulative 5-Year FCF: 0
OCF / Net Profit: 0.24
Cumulative 5-Year FCF: 0

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

Mar 2022

EPS (₹): 437.94
Book Value (₹): 4092.34
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.84
Operating Margin %: 4.46%
Net Margin %: 1.65%
ROE %: 10.70%
ROCE %: 14.19%
: 5.00%
Debtor Days: 49
Inventory Days: 0
Payable Days: 0
: 49
Debt to Equity (x): 0.78x
Interest Coverage (x): 2.72x
: 1.63x
Revenue Growth %: 0.00%
Operating Profit Growth %: 0.00%
Net Profit Growth %: 0.00%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2023

EPS (₹): 2938.56
Book Value (₹): 7154.75
Dividend per Share (₹): 0.00
Cash EPS (₹): 4.71
Operating Margin %: 10.92%
Net Margin %: 6.49%
ROE %: 54.09%
ROCE %: 54.32%
: 28.74%
Debtor Days: 37
Inventory Days: 0
Payable Days: 0
: 37
Debt to Equity (x): 0.44x
Interest Coverage (x): 9.69x
: 2.09x
Revenue Growth %: 88.36%
Operating Profit Growth %: 361.29%
Net Profit Growth %: 639.97%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2024

EPS (₹): 5445.68
Book Value (₹): 13907.97
Dividend per Share (₹): 0.00
Cash EPS (₹): 8.52
Operating Margin %: 15.17%
Net Margin %: 9.04%
ROE %: 51.71%
ROCE %: 53.63%
: 28.65%
Debtor Days: 51
Inventory Days: 0
Payable Days: 0
: 51
Debt to Equity (x): 0.59x
Interest Coverage (x): 9.18x
: 1.95x
Revenue Growth %: 32.95%
Operating Profit Growth %: 85.98%
Net Profit Growth %: 85.32%
: 85.32%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.71x

Mar 2025

EPS (₹): 7.91
Book Value (₹): 46.89
Dividend per Share (₹): 0.00
Cash EPS (₹): 8.65
Operating Margin %: 16.86%
Net Margin %: 11.21%
ROE %: 25.81%
ROCE %: 31.36%
: 19.73%
Debtor Days: 72
Inventory Days: 0
Payable Days: 0
: 72
Debt to Equity (x): 0.07x
Interest Coverage (x): 14.47x
: 7.26x
Revenue Growth %: 13.08%
Operating Profit Growth %: 27.67%
Net Profit Growth %: 40.22%
: -99.85%
P/E (x): 6.52x
P/B (x): 1.10x
Dividend Yield %: 0.00%
: 3.26x

Shareholding Pattern

Numbers in percentages

TRADES

	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

Sep 2024

: 57.83
: 2.56
: 1.69
Government: 0.00
: 37.92

Mar 2025

: 57.83
: 0.96
: 0.26
Government: 0.00
: 40.94

Sep 2025

: 57.89
: 0.00
: 0.60
Government: 0.00
: 41.51

Mar 2026

: 57.89
: 1.08
: 0.00
Government: 0.00
: 41.03

Documents

Announcements

Nothing filed yet.

Annual Reports

Annual Report FY2025
2025

Credit Ratings

Nothing filed yet.

Concalls

Nov 2024
Transcript PPTREC