Muthoot Microfin

Muthoot Microfin

171.30
+1.32
(0.78%)
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Key Fundamentals
Add Ratio
Market Cap
2,920.53 Cr
EPS
-13.29
PE Ratio
-8.07
Dividend Yield
0.00 %
52 Week High
194.61
52 Week Low
119.25
PB Ratio
1.08
Debt to Equity
3.07
Analyst Rating and Forecast
- By Refinitiv from2 analysts
BUY
Analysts have suggested that investors can buy this stock
Buy
Buy+100.00 %
+100.00 %
Hold
Hold0.0 %
0.0 %
Sell
Sell0.0 %
0.0 %
Forecast For
Actual

Company News

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positive
Muthoot Microfin Limited reported significant improvement in quarterly results with disbursements growing 28.1% and credit costs declining to 3.6% from 9.4% in the previous financial year. The company's gross NPAs reduced from 4.85% to 4.61%, while net NPAs improved from 1.58% to 1.41%. Provision coverage increased to 70.4% from 68%. The company achieved quarterly profit of INR 30.5 crores compared to INR 6 crores in Q1, with total comprehensive income of INR 55.9 crores. Net interest margins reached 11.9%, up from 11.5% in the previous quarter. The company is diversifying its portfolio with Individual Loans (INR 468 crores portfolio), Micro LAP (INR 9 crores), and Gold Loans (INR 7 crores). AUM stands at INR 12,558 crores with 10% quarter-on-quarter growth. Cost of funds declined to 10.6% from 11.02%. CRISIL upgraded the company's outlook from stable to positive. The company maintains guidance of achieving 2% ROA and expects credit costs to decline further in coming quarters.
neutral
Muthoot Microfin has allocated 15,000 secured debentures worth ₹150 crores. The debentures carry an annual interest rate of 9.90% and have maturity periods ranging from 24 to 36 months. This fundraising initiative provides the microfinance company with medium-term capital through debt instruments.
positive
Muthoot Microfin Limited announced its quarterly results with disbursements growing 28.1% quarter-on-quarter to Rs. 2,273.9 crores in Q2 FY26. The company reported profit after tax of Rs. 30.5 crores for the quarter, up 393.6% sequentially. Gross loan portfolio reached Rs. 12,558.8 crores with 33.6 lakh active customers across 1,718 branches. Asset quality improved with gross NPA declining to 4.61% from 4.85% in the previous quarter, while net NPA stood at 1.41%. Net interest margin was 11.9%, up 43 basis points quarter-on-quarter. Capital adequacy ratio improved to 28.91%. The company launched gold loans and micro-LAP products as part of its diversification strategy. CRISIL revised outlook on long-term facilities to positive while reaffirming ratings at CRISIL A-. The board approved amendments to debenture trust deed clauses and registration under Credit Guarantee Fund for Micro Units.
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Competitors
LTP
Market Cap (₹ Cr.)
P/E Ratio
Revenue (₹ Cr.)
YoY Revenue Growth %
Net Profit (₹ Cr.)
YoY Profit Growth %
RSI
1,357.40
#1 21,697.90
159.28
#1 5,756.10
11.28
#1 531
-32.40
44.08
171.30
#2 2,920.53
#1 -8.07
#3 2,564.40
#2 13.71
#3 -223
#5 -50.49
53.37
272.85
1,945.56
-1.32
2,424.10
-3.45
-1,035
-15.21
61.63
168.05
1,697.71
-1.72
2,368.90
-1.80
-1,225
#1 92.75
39.79
150.01
1,657.17
12.33
2,601.90
#1 16.13
186
19.02
49.11

Automatic Screeners on ScanX

Growth Rate
Revenue Growth
13.71 %
Net Income Growth
-149.49 %
Cash Flow Change
208.68 %
ROE
-152.71 %
ROCE
-52.99 %
EBITDA Margin (Avg.)
-59.45 %

Yearly Financial Results

Annual Financials
2020
2021
2022
2023
2024
2025
TTM
Revenue
867
696
843
1,446
2,255
2,564
2,374
Expenses
543
369
417
658
772
1,880
1,924
EBITDA
324
327
426
789
1,483
684
450
Operating Profit %
37 %
46 %
50 %
54 %
66 %
27 %
18 %
Depreciation
14
19
21
27
35
43
44
Interest
291
299
340
549
866
930
880
Profit Before Tax
20
9
65
213
582
-289
-474
Tax
2
2
17
49
132
-66
-35
Net Profit
18
7
47
164
450
-223
-361
EPS in ₹
1.59
0.62
4.15
14.19
30.92
-13.29
-21.10

Balance Sheet

Balance Sheet
2020
2021
2022
2023
2024
2025
Total Assets
4,092
4,184
5,592
8,529
11,590
10,857
Fixed Assets
109
110
121
172
215
223
Current Assets
1,419
770
1,067
1,262
2,043
1,446
Capital Work in Progress
0
0
0
0
0
0
Investments
0
0
0
63
47
354
Other Assets
3,983
4,074
5,470
8,294
11,329
10,280
Total Liabilities
4,092
4,184
5,592
8,529
11,590
10,857
Current Liabilities
158
229
217
329
187
123
Non Current Liabilities
3,027
3,065
4,038
6,575
8,599
8,101
Total Equity
907
890
1,337
1,626
2,804
2,632
Reserve & Surplus
793
776
1,203
1,486
2,637
2,465
Share Capital
114
114
133
140
167
168

Cash Flow

Cash Flow
2019
2020
2021
2022
2023
2024
2025
Net Cash Flow
99
511
-662
187
54
174
-230
Investing Activities
-6
-66
-38
-74
-180
-225
-128
Operating Activities
-602
114
-704
-1,084
-2,333
-1,272
1,382
Financing Activities
707
463
80
1,344
2,567
1,671
-1,485

Share Holding

% Holding
Dec 2023
Mar 2024
Jun 2024
Sept 2024
Dec 2024
Mar 2025
Jun 2025
Sept 2025
Promoter
55.47 %
55.47 %
55.47 %
55.47 %
55.47 %
55.47 %
55.47 %
55.47 %
FIIs
22.76 %
26.28 %
26.56 %
25.86 %
25.80 %
25.47 %
23.41 %
23.26 %
DIIs
2.80 %
2.35 %
2.29 %
2.58 %
2.44 %
2.32 %
2.48 %
2.84 %
Government
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
0.00 %
Public / Retail
10.30 %
11.88 %
11.63 %
12.08 %
12.18 %
12.78 %
14.33 %
14.02 %
Others
8.67 %
4.02 %
4.06 %
4.02 %
4.11 %
3.97 %
4.32 %
4.42 %
No of Share Holders
2,32,602
1,86,088
1,70,261
1,62,575
1,61,655
1,58,976
1,58,221
1,52,290

Corporate Action

Record Date Corporate Action Information Announcement Day LTP at Annoucement LTP at Record Day
18 Jul 2024 ANNUAL GENERAL MEETING Annual General Meeting
NA
18 Jul 2024 241.70 244.80
05 Nov 2024 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
05 Nov 2024 203.45 202.35
06 Feb 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
06 Feb 2025 170.15 162.84
08 May 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
08 May 2025 161.05 145.66
24 Jul 2025 ANNUAL GENERAL MEETING Annual General Meeting
NA
24 Jul 2025 145.66 175.40
11 Aug 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
11 Aug 2025 163.87 153.60
05 Nov 2025 QUARTERLY RESULT ANNOUNCEMENT Quarterly Result Announcement
NA
05 Nov 2025 170.41 168.50

Announcements

Asset Liability Management (ALM) statement6 days ago
Announcement under Regulation 30 (LODR)-Earnings Call Transcript9 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation10 days ago
Announcement under Regulation 30 (LODR)-Allotment10 days ago
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeNov 06, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationNov 06, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationNov 06, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationNov 05, 2025
Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Nov 05, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseNov 05, 2025
Board Meeting Outcome for Outcome Of Board MeetingNov 05, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesNov 04, 2025
Update on board meetingOct 30, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesOct 29, 2025
Announcement under Regulation 30 (LODR)-Meeting UpdatesOct 29, 2025
Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)Oct 24, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 24, 2025
Announcement under Regulation 30 (LODR)-Credit RatingOct 23, 2025
Asset Liability Management (ALM) statementOct 16, 2025
Clarification On Spurt In VolumeOct 14, 2025
Clarification sought from Muthoot Microfin LtdOct 14, 2025
Announcement under Regulation 30 (LODR)-AllotmentOct 09, 2025
Certificate from CEO/CFOOct 09, 2025
Compliances-Half Yearly Report (SEBI Circular No. CIR/IMD/DF-1/67/2017) Oct 09, 2025
Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)Oct 08, 2025
Board Meeting Intimation for Approval Of The Unaudited Financial Results For The Quarter Ended September 30 2025Oct 08, 2025
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 07, 2025
Announcement under Regulation 30 (LODR)-Meeting UpdatesOct 03, 2025
Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)Sep 26, 2025
Announcement under Regulation 30 (LODR)-Credit RatingSep 26, 2025
Closure of Trading WindowSep 25, 2025
Announcement under Regulation 30 (LODR)-AllotmentSep 23, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesSep 17, 2025
Announcement under Regulation 30 (LODR)-Meeting UpdatesSep 17, 2025
Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)Sep 12, 2025
Announcement under Regulation 30 (LODR)-AllotmentSep 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationSep 08, 2025
Announcement under Regulation 30 (LODR)-Issue of SecuritiesSep 03, 2025
Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)Aug 29, 2025
Compliances-Reg. 50 (1) - Prior intimation about Board meeting under Regulation 50(1)Aug 29, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 20, 2025
Announcement under Regulation 30 (LODR)-Earnings Call TranscriptAug 19, 2025
Issuance Of Commercial PaperAug 13, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeAug 12, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 12, 2025
Announcement under Regulation 30 (LODR)-Newspaper PublicationAug 12, 2025
Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 11, 2025
Announcement under Regulation 30 (LODR)-Investor PresentationAug 11, 2025
Board Meeting Outcome for Outcome Of The Board MeetingAug 11, 2025
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 01, 2025

Mutual Fund Holdings

Technical Indicators

RSI(14)
Neutral
53.37
ATR(14)
Less Volatile
5.90
STOCH(9,6)
Neutral
62.99
STOCH RSI(14)
Neutral
76.15
MACD(12,26)
Bullish
0.44
ADX(14)
Strong Trend
26.26
UO(9)
Bearish
50.57
ROC(12)
Downtrend And Accelerating
-1.13
WillR(14)
Neutral
-43.34