Nifty

:

23719.30

Sensex

:

75415.35

64.60 (0.27%)
231.99 (0.31%)

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Nifty
Sensex

:
:

23719.30
75415.35

64.60 (0.27%)
231.99 (0.31%)

Muthoot Microfin Ltd.

Finance - NBFC

Rating :

40/99

BSE: 544055 | NSE: MUTHOOTMF

Watchlist

NSE BSE

180.28

22-May-2026

Open
High
Low
Previous Close

182.5
182.55
178.1
181.33

Volume
Traded Value (lacs)
52 Week High
52 Week Low

93415
16875450.93
217.99
124.12

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,081.65
18.10
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,445.56
N/A
1.08

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

47.61
30.22
21.48

EBITDA CAGR (%)

10 Years
5 Years
3 Years

34.06
16.24
-2.81

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
-

P:E (Median)

8 Years
5 Years
3 Years

-
-
7.51

P:BV (Average)

8 Years
5 Years
3 Years

-
-
1.12

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
12.03

Earnings Forecasts:

(Updated: 16-05-2026)

Description 2024 2025 2026 2027
Adj EPS 11.11 23.49 29.36
P/E Ratio 16.23 7.67 6.14
Revenue 1533 1883.7 2256.7
EBITDA
Net Income 185.9 393.7 491.9
ROA 1.63 3.01 3.22
P/B Ratio 1.07 0.94 0.82
ROE 6.83 13.03 14.21
FCFF
FCFF Yield
Net Debt
BVPS 168.14 191.62 220.98

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Net Sales 631.81 555.03 13.83% 602.81 680.78 -11.45% 576.33 662.41 -12.99% 558.62 663.47 -15.80%
Expenses 299.72 845.04 -64.53% 303.98 428.15 -29.00% 317.95 333.90 -4.78% 332.54 273.31 21.67%
EBITDA 332.10 -290.01 - 298.83 252.63 18.29% 258.37 328.51 -21.35% 226.08 390.16 -42.05%
EBIDTM 52.56% -52.25% 49.57% 37.11% 44.83% 49.59% 40.47% 58.81%
Other Income 7.08 1.19 494.96% 2.54 0.66 284.85% 1.06 0.62 70.97% 0.44 0.28 57.14%
Interest 231.58 221.71 4.45% 221.82 237.29 -6.52% 211.31 237.41 -10.99% 209.76 233.70 -10.24%
Depreciation 10.67 11.18 -4.56% 10.44 10.94 -4.57% 11.02 10.53 4.65% 11.00 10.18 8.06%
PBT 96.94 -521.71 - 69.11 5.06 1,265.81% 37.11 81.19 -54.29% 5.76 146.56 -96.07%
Tax 25.81 -120.56 - 6.66 1.27 424.41% 6.59 19.58 -66.34% -0.42 33.34 -
PAT 71.12 -401.15 - 62.44 3.80 1,543.16% 30.52 61.61 -50.46% 6.18 113.22 -94.54%
PATM 11.26% -72.28% 10.36% 0.56% 5.30% 9.30% 1.11% 17.07%
EPS 4.17 -23.53 - 3.66 0.22 1,563.64% 1.79 3.61 -50.42% 0.36 6.64 -94.58%

Description Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Net Sales 2,369.57 2,561.69 2,248.93 1,428.76 832.51 684.17 860.22 714.31 503.05 243.84 52.15 Net Sales Growth -7.50% 13.91% 57.40% 71.62% 21.68% -20.47% 20.43% 42.00% 106.30% 367.57% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 2,369.57 2,561.69 2,248.93 1,428.76 832.51 684.17 860.22 714.31 503.05 243.84 52.15 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 1,254.19 1,893.07 781.38 657.86 417.28 369.06 542.65 243.10 285.17 103.86 16.48 Power & Fuel Cost - 4.96 3.89 2.83 1.79 1.67 1.49 1.26 0.84 0.37 0.08 % Of Sales - 0.19% 0.17% 0.20% 0.22% 0.24% 0.17% 0.18% 0.17% 0.15% 0.15% Employee Cost - 533.91 446.43 322.56 237.08 187.09 196.92 147.01 103.83 65.23 8.33 % Of Sales - 20.84% 19.85% 22.58% 28.48% 27.35% 22.89% 20.58% 20.64% 26.75% 15.97% Manufacturing Exp. - 53.60 54.01 39.38 25.98 18.77 22.56 31.52 32.74 7.58 2.38 % Of Sales - 2.09% 2.40% 2.76% 3.12% 2.74% 2.62% 4.41% 6.51% 3.11% 4.56% General & Admin Exp. - 121.67 89.68 65.86 38.52 25.93 43.68 28.29 15.25 23.64 1.27 % Of Sales - 4.75% 3.99% 4.61% 4.63% 3.79% 5.08% 3.96% 3.03% 9.69% 2.44% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 1,183.90 191.26 230.06 115.70 137.27 279.50 36.28 133.35 7.42 0.00 % Of Sales - 46.22% 8.50% 16.10% 13.90% 20.06% 32.49% 5.08% 26.51% 3.04% 8.61% EBITDA 1,115.38 668.62 1,467.55 770.90 415.23 315.11 317.57 471.21 217.88 139.98 35.67 EBITDA Margin 47.07% 26.10% 65.26% 53.96% 49.88% 46.06% 36.92% 65.97% 43.31% 57.41% 68.40% Other Income 11.12 15.41 15.76 17.58 10.44 12.11 6.52 36.12 8.35 0.00 0.00 Interest 874.47 930.11 866.04 549.01 340.15 299.33 290.67 233.84 189.18 81.79 21.06 Depreciation 43.13 42.84 35.44 26.61 20.78 18.83 13.71 2.96 1.84 0.97 0.02 PBT 208.92 -288.90 581.84 212.87 64.72 9.05 19.70 270.52 35.21 57.22 14.60 Tax 38.64 -66.38 132.26 48.98 17.32 2.00 1.49 69.30 49.63 20.18 5.19 Tax Rate 18.50% 22.98% 22.73% 23.01% 26.76% 22.10% 7.56% 25.62% 140.95% 35.27% 35.55% PAT 170.26 -222.52 449.58 163.89 47.40 7.05 18.21 201.22 -14.42 37.04 9.41 PAT before Minority Interest 170.26 -222.52 449.58 163.89 47.40 7.05 18.21 201.22 -14.42 37.04 9.41 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 7.19% -8.69% 19.99% 11.47% 5.69% 1.03% 2.12% 28.17% -2.87% 15.19% 18.04% PAT Growth 176.51% - 174.32% 245.76% 572.34% -61.29% -90.95% - - 293.62% EPS 9.99 -13.05 26.37 9.61 2.78 0.41 1.07 11.80 -0.85 2.17 0.55

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16
Shareholder's Funds 2,632.23 2,804.35 1,625.85 1,336.58 889.89 906.99 885.79 402.94 189.02 69.18 Share Capital 167.60 167.27 140.20 133.33 114.17 114.17 114.17 102.88 88.17 60.00 Total Reserves 2,446.72 2,622.28 1,480.22 1,202.02 774.75 791.71 770.70 299.46 100.85 9.18 Non-Current Liabilities 3,481.20 3,597.62 6,491.01 3,996.77 3,010.26 3,032.19 2,498.26 2,039.13 750.52 226.03 Secured Loans 0.00 0.00 6,437.36 3,854.01 2,873.79 2,896.42 2,426.38 1,719.77 723.62 224.34 Unsecured Loans 3,366.02 3,300.28 55.81 142.60 141.87 24.93 24.89 293.44 25.00 0.00 Long Term Provisions 58.02 156.64 3.61 4.94 4.64 5.09 0.90 0.65 3.81 2.25 Current Liabilities 4,696.61 5,333.88 406.56 253.33 273.66 171.10 146.13 112.72 522.26 230.91 Trade Payables 19.02 24.18 11.93 7.53 2.92 3.68 5.49 5.17 0.00 0.00 Other Current Liabilities 117.19 185.19 394.63 245.80 270.74 148.78 140.63 107.55 513.45 227.97 Short Term Borrowings 4,560.40 5,124.51 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 18.63 0.00 0.00 8.81 2.94 Total Liabilities 10,810.04 11,735.85 8,523.42 5,586.68 4,173.81 4,110.28 3,530.18 2,554.79 1,461.80 526.12 Net Block 222.62 214.66 171.90 121.25 109.98 109.10 20.67 13.19 7.18 2.30 Gross Block 307.77 282.27 208.22 177.81 147.93 128.40 26.40 16.00 8.17 2.32 Accumulated Depreciation 85.15 67.62 36.32 56.56 37.94 19.30 5.72 2.81 0.99 0.02 Non Current Assets 9,576.32 9,962.19 7,277.10 4,528.73 3,408.29 2,680.82 2,726.93 1,869.93 1,059.79 451.51 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 0.00 0.66 0.00 0.53 0.00 Non Current Investment 354.34 46.71 63.36 0.05 0.05 0.00 0.00 0.00 0.00 0.00 Long Term Loans & Adv. 127.06 158.74 15.27 7.56 4.36 6.80 0.39 0.51 3.40 0.56 Other Non Current Assets 132.11 255.72 0.00 1.85 1.28 1.31 5.96 2.39 56.80 17.02 Current Assets 1,233.72 1,773.66 1,246.32 1,057.96 765.53 1,429.46 803.25 684.87 402.01 74.60 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 22.11 14.52 72.21 16.77 9.29 11.04 3.82 3.47 1.78 0.72 Cash & Bank 1,049.63 1,336.34 1,150.41 999.92 744.98 1,360.24 780.93 671.66 346.38 60.29 Other Current Assets 161.98 422.81 18.64 0.00 11.26 58.17 18.50 9.74 53.85 13.60 Short Term Loans & Adv. 0.00 0.00 5.06 41.27 11.26 58.17 18.50 9.74 0.56 0.02 Net Current Assets -3,462.89 -3,560.22 839.76 804.63 491.87 1,258.36 657.13 572.15 -120.26 -156.30 Total Assets 10,810.04 11,735.85 8,523.42 5,586.69 4,173.82 4,110.28 3,530.18 2,554.80 1,461.80 526.11

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity 1,382.03 -1,271.69 -2,332.88 -1,083.58 -703.96 -601.81 -698.85 -468.89 -395.63 -0.42 PBT -288.90 581.84 212.87 64.72 9.05 270.52 35.21 57.22 14.60 -0.23 Adjustment 2,043.93 884.61 157.98 44.06 105.58 -173.33 25.12 8.10 4.95 0.00 Changes in Working Capital -262.20 -2,613.71 -2,669.57 -1,139.29 -813.36 -629.78 -706.84 -513.74 -408.56 -0.16 Cash after chg. in Working capital 1,492.82 -1,147.26 -2,298.73 -1,030.51 -698.72 -532.59 -646.51 -448.42 -389.01 -0.38 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -110.79 -124.43 -34.15 -53.07 -5.23 -69.22 -52.33 -20.47 -6.63 -0.04 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -127.79 -225.33 -180.03 -73.80 -37.95 -6.21 -12.22 -65.76 -28.55 0.00 Net Fixed Assets -25.50 -74.05 -30.41 -29.88 -120.87 -11.06 -7.30 -6.38 -2.31 Net Investments -307.63 16.65 -63.31 0.00 -0.05 0.00 0.00 0.00 0.00 Others 205.34 -167.93 -86.31 -43.92 82.97 4.85 -4.92 -59.38 -26.24 Cash from Financing Activity -1,484.64 1,671.02 2,566.54 1,344.13 79.69 706.81 966.05 801.29 467.34 0.00 Net Cash Inflow / Outflow -230.40 174.00 53.63 186.75 -662.22 98.79 254.99 266.65 43.16 -0.42 Opening Cash & Equivalents 927.65 753.65 705.83 519.08 1,181.29 571.22 316.23 48.10 4.94 5.36 Closing Cash & Equivalent 697.25 927.65 759.46 705.83 519.08 670.01 571.22 314.74 48.10 4.94

Financial Ratios

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 155.99 166.77 136.69 115.28 77.86 77.50 39.11 22.03 ROA -1.97% 4.44% 2.32% 0.97% 0.17% 6.61% -0.72% 3.73% ROE -8.24% 20.50% 11.25% 4.30% 0.79% 31.27% -4.91% 29.18% ROCE 5.89% 14.97% 11.33% 8.76% 7.97% 17.53% 12.01% 15.42% Fixed Asset Turnover 8.68 9.17 7.40 5.11 5.34 33.69 41.62 46.48 Receivable days 2.61 7.04 11.37 5.71 5.42 1.86 1.90 1.87 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 10.65 6.78 0.00 Cash Conversion Cycle 2.61 7.04 11.37 5.71 5.42 -8.79 -4.88 1.87 Total Debt/Equity 3.03 3.02 4.01 2.99 3.39 2.77 5.00 5.99 Interest Cover 0.69 1.67 1.39 1.19 1.03 2.16 1.19 1.70

Top Investors:

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Annual Reports:

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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