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    Finance/Rental/Leasing
Muthoot Microfin Ltd

Muthoot Microfin Ltd

154.05
INR
-5.75
(-3.60%)
13.03EPS
16.32P/E
36.73BMarket Cap
Nov 11Next Earn
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
35.83
42.41
75.72
136.48
145.08
131.59
136.27
Basic EPS, GAAP
0.41
2.78
9.61
30.92
-13.28
10.16
13.2
Free Cash Flow per Basic Share
-41.76
-64.23
-138.49
-89.36
81.27
-35.27
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
53.27
80.02
97.33
167.66
157.06
170.14
- -
Tangible Book Value per Share
53.27
80.01
97.32
167.64
157.05
170.11
- -
Basic Weighted Avg Shares
170
170
170
145
168
168
167
Sales/Revenue/Turnover
6,108
7,230
12,910
19,844
24,301
22,056
22,826
Operating Margin (%)
10.47
9.08
20.01
24.38
5.25
17.81
22.51
Depreciation Expense
188
208
266
354
428
431
430
Net Income, GAAP
71
474
1,639
4,496
-2,225
1,703
2,211
Effective Tax Rate (%)
22.1
26.77
23.01
22.73
- -
18.5
20.59
Profit Margin (%)
1.15
6.56
12.69
22.66
-9.16
7.72
9.69
Working Capital
5,935
12,612
13,554
23,260
19,345
17,021
- -
LT Debt
10,509
17,370
28,690
34,315
35,030
43,913
- -
Total Equity
8,899
13,366
16,258
28,044
26,322
28,543
- -
Return on Invested Capital (%)
- -
-0.6
0.96
2.58
- -
0.39
- -
Return on Capital (%)
- -
1.16
2.54
4.7
- -
1.59
- -
Return on Common Equity (%)
- -
4.26
11.06
20.3
-8.19
6.21
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
53,160
- -
LT Borrowings
- -
42,694
- -
LT Finance Leases
- -
1,219
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
168
168
170
Market Capitalization
29,515
24,544
36,733

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
71,229
- -
Cash, Cash Equivalents & STI
- -
11,539
- -
Accounts Receivable, Net
- -
116
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
54,209
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
53,160
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
29.33%
8.44%
Free Cash Flow
- -
-44.75%
-143.43%
Net Income, GAAP
- -
133.2%
-176.52%
Sales/Revenue/Turnover
- -
32.77%
-9.24%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6,265
6,450
6,529
5,441
24,301
2026
5,300
- -
5,425
6,043
22,056
2027
6,057
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.77
3.61
0.22
-23.54
-13.28
2026
0.37
- -
3.73
4.24
10.16
2027
4.85
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sadaf Sayeed
Full Time Employees
15,735
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Muthoot Towers Ernakulam KL India 682035
IPO Date
Dec 26, 2023
Website
muthootmicrofin.com
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Business
Muthoot Microfin Limited (MUTHOOTMF.NS), a non-banking financial company-microfinance institution (NBFC-MFI) and subsidiary of the Muthoot Pappachan Group, provides unsecured microloans and financial services primarily to women entrepreneurs from underprivileged rural, semi-urban and urban communities across India; core offerings include income generating loans, Pragathi group loans, individual loans, education loans, mobile phone loans, solar product loans, household appliance loans and value-added services such as Sampoorna Swasth Shield wellness insurance with telemedicine access, hospital cash benefits up to Rs 30,000 and personal accident cover, plus Griha Suraksha Shield property insurance covering structure damage up to Rs 100,000, contents up to Rs 20,000 and EMI protection. Headquartered in Kochi, Kerala, the company was incorporated on April 6, 1992, originally as Panchratna Stock and Investment Consultancy Services Private Limited, and operates through over 1,172 branches in 18 states with a borrower base exceeding 2.7 million customers and assets under management surpassing Rs 9,200 crore as of recent periods. Recent developments encompass robust growth with Q2 FY26 disbursements reaching Rs 2,274 crore, up 28% quarter-on-quarter driven by existing customers and new geographies; FY24 annual loan disbursements hitting a record Rs 10,662 crore, reflecting 32% year-on-year expansion; a Rs 150 crore funding secured alongside plans to raise Rs 450 crore via high-yield bonds targeted at high net-worth investors in late 2025; and ongoing portfolio scaling with Q4 FY24 assets under management soaring 32% year-on-year.