Muthoot Microfin Limited
Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. Muthoot Microfin Limited was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited is a subsidiary of Muthoot Fincorp Limited.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 21.2%
Concerns1
- Negative free cash flow (βΉ230 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 7 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ2.56 K Cr | β | βΉ-223.00 | β | β | -8.5% | 13.9% | -149.6% |
| Mar 2024 | βΉ2.25 K Cr | β | βΉ450.00 Cr | β | β | 16.0% | 57.4% | 174.4% |
| Mar 2023 | βΉ1.43 K Cr | β | βΉ164.00 Cr | β | β | 10.2% | 71.5% | 248.9% |
| Mar 2022 | βΉ833.00 Cr | β | βΉ47.00 Cr | β | β | 3.6% | 21.8% | 571.4% |
| Mar 2021 | βΉ684.00 Cr | β | βΉ7.00 Cr | β | β | 0.8% | -20.5% | -61.1% |
| Mar 2020 | βΉ860.00 Cr | β | βΉ18.00 Cr | β | β | 2.0% | 15.0% | -91.0% |
| Mar 2019 | βΉ748.00 Cr | β | βΉ201.00 Cr | β | β | 22.7% | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue / Net Sales | 2,371 |
| Total Expenses | 1,924 |
| EBIT / Operating Profit | 447 |
| OPM % | 19% |
| Other Income | 3 |
| Finance Costs | 880 |
| Depreciation & Amortisation | 44 |
| Profit Before Tax | -474 |
| Tax % | - |
| Net Profit / PAT | -361 |
| EPS (βΉ) | -21.16 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Muthoot Microfin Limitedthis co. | βΉ3.15 K Cr | βΉ2.56 K Cr | 0.00 | 1.16 | 6.39 | 13.9% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |