Muthoot Microfin Limited
₹135.00-₹8.60 (-6.0%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹3,149 Cr
- EV / EBITDA
- 6.4x
- Revenue
- ₹2,562 Cr
- Net margin
- 20.0%
- ROCE
- 6.3%
Price chart
Technical chartScreen technicals →-20.1% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -24.2%
- 3M
- -45.3%
- 6M
- -29.9%
- 1Y
- -20.1%
- 5Y
- -46.3%
52-week range
Day change -₹8.60 (-6.0%) from ₹144 to ₹135 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in MUTHOOTMF, bought on each weekday since 2024.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 21.2%
Concerns1
- Company is not currently profitable
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 17.2 Cr shares
- ISIN
- INE046W01019
- BSE code
- 544055
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹3,149 Cr
- P/B
- 1.2x
- EV / EBITDA
- 6.4x
- EV / Sales
- 4.2x
- P/S
- 1.4x
- 52-week high
- ₹255.10
- 52-week low
- ₹135.00
Profitability
- Operating margin
- 65.7%
- Net margin
- 20.0%
- EBITDA margin
- 65.9%
- ROE
- -8.5%
- ROCE
- 6.3%
- ROA
- 3.9%
- Dividend payout
- 0.0%
- Tax rate
- 23.0%
- Other income, % of PBT
- 1.0%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,562 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 13.9%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 21.2%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,483 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 88.2%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -149.6%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 90.4%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹1,272 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -45.5%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹230 Cr
- Asset growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 35.9%
Solvency and efficiency
- Current ratio
- 57.75
- Debt / Assets
- 0.74
- Debt / EBITDA
- 5.79
- Financial leverage
- 4.13
- CFO / Net profit
- -2.83
- Cash / Market cap
- 359.8%
- Cash per share
- ₹658.37
- Asset turnover
- 0.19
- Fixed asset turnover
- 10.46
- Capital intensity
- 0.10
- Debtor days
- 2 days
- Cash conversion cycle
- 2 days
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Sales | ₹2,562 Cr |
| Expenses | ₹1,880 Cr |
| Operating profit | ₹682 Cr |
| Other income | ₹2 Cr |
| Interest | ₹930 Cr |
| Depreciation | ₹43 Cr |
| Profit before tax | -₹289 Cr |
| Tax and other | -₹66 Cr |
| Net profit | -₹223 Cr |
Revenue and net profit
Revenue grew 13.9% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹684 Cr | ₹7 Cr |
| FY2022 | ₹833 Cr | ₹47 Cr |
| FY2023 | ₹1,429 Cr | ₹164 Cr |
| FY2024 | ₹2,249 Cr | ₹450 Cr |
| FY2025 | ₹2,562 Cr | -₹223 Cr |
Cash flows
FY2025: ₹1,382 Cr from operations, ₹1,254 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹704 Cr | -₹742 Cr |
| FY2022 | -₹1,084 Cr | -₹1,158 Cr |
| FY2023 | -₹2,333 Cr | -₹2,513 Cr |
| FY2024 | -₹1,272 Cr | -₹1,497 Cr |
| FY2025 | ₹1,382 Cr | ₹1,254 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹2,562 Cr+13.9%1Y
- Net profit
- -₹223 Cr-149.6%1Y
- Cash from operations
- ₹1,382 Cr
- Free cash flow
- ₹1,254 Cr
- Revenue CAGR, 5Y
- 21.2%
- EBITDA CAGR, 5Y
- 35.6%
- Net profit CAGR, 5Y
- 90.4%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹2,562 Cr | ₹682 Cr | — | -₹223 Cr | ₹1,382 Cr | ₹1,254 Cr | -8.5% | +13.9% | -149.6% |
Monthly returns
Month-by-month returns of MUTHOOTMF across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹10,857 Cr |
| Equity capital | ₹168 Cr |
| Reserves | ₹2,465 Cr |
| Borrowings | ₹8,101 Cr |
| Other liabilities | ₹123 Cr |
| Assets | ₹10,857 Cr |
| Fixed assets | ₹223 Cr |
| Capital work in progress | ₹0 Cr |
| Investments | ₹354 Cr |
| Other assets | ₹10,280 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
MUTHOOTMF has no positive P/E; the peer median is 26.9x.
Not shown (no positive earnings and no EV / Sales): Muthoot Microfin Limited, IndoStar Capital Finance Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Muthoot Microfin LimitedMUTHOOTMFthis company | ₹3,149 Cr | — | 1.2x | -8.5% | 6.4x |
| ZAGGLE PREPAID OCEAN SERVICES LIMITEDZAGGLE | ₹4,112 Cr | 36.9x | 3.1x | 7.0% | 49.8x |
| ANAND RATHI SHARE AND STOCK BROKERS LIMITEDARSSBL | ₹3,975 Cr | 40.0x | 3.0x | 20.6% | 18.7x |
| IndoStar Capital Finance LimitedINDOSTAR | ₹3,673 Cr | — | 0.8x | 1.5% | 12.1x |
| Indo Thai Securities LimitedINDOTHAI | ₹3,287 Cr | 85.8x | 15.3x | 5.0% | 148.9x |
| Share India Securities LimitedSHAREINDIA | ₹3,277 Cr | 15.0x | 1.6x | 12.6% | 6.5x |
| PAISALO DIGITAL LIMITEDPAISALO | ₹3,173 Cr | 15.6x | 1.9x | — | — |
| Nalwa Sons Investment LtdNSIL | ₹3,172 Cr | 153.0x | 0.2x | 0.2% | 48.8x |
| Tourism Finance Corpn. Of India LtdTFCILTD | ₹2,878 Cr | 25.6x | 2.3x | 8.5% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
MUTHOOTMF since 1 January, against earlier years.
Historical volatility
MUTHOOTMF's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 46.0% |
| FY2022 | 50.0% |
| FY2023 | 54.0% |
| FY2024 | 66.0% |
| FY2025 | 27.0% |
| Line | FY2025 |
|---|---|
| RevenueSales | ₹2,562 Cr |
| Costs | |
| Interest | ₹930 Cr |
| Expenses | ₹1,880 Cr |
| Operating profitOperating Profit | ₹682 Cr |
| Other income and charges | |
| Profit before tax | -₹289 Cr |
| Tax | |
| Net profitNet Profit | -₹223 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹10,857 Cr |
| Equity capitalEquity Capital | ₹168 Cr |
| Reserves | ₹2,465 Cr |
| Borrowings | ₹8,101 Cr |
| Other liabilitiesOther Liabilities | ₹123 Cr |
| AssetsTotal Assets | ₹10,857 Cr |
| Fixed assetsFixed Assets | ₹223 Cr |
| Capital work in progressCWIP | ₹0 Cr |
| Investments | ₹354 Cr |
| Other assetsOther Assets | ₹10,280 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹1,382 Cr |
| Investing cash flowCash from Investing Activity | -₹128 Cr |
| Financing cash flowCash from Financing Activity | -₹1,485 Cr |
| Change in cashNet Cash Flow | -₹230 Cr |
Learn while you research
Academy chapters picked for Muthoot Microfin Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read