Muthoot Microfin Ltd (IN:MUTHOOTMF)
:MUTHOOTMF
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Muthoot Microfin Ltd
(MUTHOOTMF)
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Rating:51Neutral
Price Target:
₹153.00
▼(-15.28% Downside)
Action:ReiteratedDate:11/26/25
Muthoot Microfin Ltd's overall stock score is primarily impacted by its weak financial performance, characterized by declining revenues, high leverage, and cash flow challenges. While technical analysis indicates strong bullish momentum, overbought conditions could pose risks. The valuation is unattractive due to negative earnings and lack of dividends.
Positive Factors
Stable microfinance business model
The JLG branch-led model targets low-income women, creating durable, repeat customer relationships and local distribution scale. Social collateral and frequent repayments support portfolio stability, making core lending volume and cash flows more predictable over many quarters.
Negative Factors
High financial leverage
A D/E of ~3x raises interest burden and refinancing risk, constraining balance sheet flexibility. For an NBFC reliant on wholesale funding, high leverage amplifies exposure to rate increases and funding squeezes, limiting sustainable loan growth and increasing capital strain.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable microfinance business model
The JLG branch-led model targets low-income women, creating durable, repeat customer relationships and local distribution scale. Social collateral and frequent repayments support portfolio stability, making core lending volume and cash flows more predictable over many quarters.
Read all positive factors
Muthoot Microfin Ltd (MUTHOOTMF) vs. iShares MSCI India ETF (INDA)
Market Cap
₹26.02B
Dividend YieldN/A
Average Volume (3M)30.94K
Price to Earnings (P/E)19.3
Beta (1Y)1.13
Revenue Growth-10.17%
EPS Growth-181.71%
CountryIN
Employees6,204
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)3.73
Shares Outstanding170,492,170
10 Day Avg. Volume83,998
30 Day Avg. Volume30,940
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)0.83
Price to Sales (P/S)0.90
P/FCF Ratio1.61
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)23.1
Revenue Forecast (FY)₹18.87B
Muthoot Microfin Ltd Business Overview & Revenue Model
Company Description
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; mobile phones, solar lightin...
How the Company Makes Money
Muthoot Microfin makes money primarily by earning interest income and related fees from its microfinance loan portfolio. Its main revenue stream is interest charged on small-ticket, typically unsecured loans extended to customers (often organized ...
Muthoot Microfin Ltd Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
50
Neutral
Cash Flow
40
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.28B | 24.44B | 12.06B | 14.32B | 3.82B | 6.11B |
| Gross Profit | 28.58B | 23.71B | 12.16B | 6.57B | 3.82B | 2.53B |
| EBITDA | -731.26M | 6.83B | 6.33B | 7.89B | 4.28B | 3.30B |
| Net Income | -2.44B | -2.23B | 4.50B | 1.64B | 473.98M | 70.54M |
Balance Sheet | ||||||
| Total Assets | 114.93B | 108.57B | 115.90B | 85.29B | 55.91B | 41.84B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 11.44B | 9.58B | 9.20B | 8.93B | 6.28B |
| Total Debt | 84.87B | 81.01B | 85.24B | 66.23B | 40.88B | 30.94B |
| Total Liabilities | 87.91B | 82.25B | 87.86B | 69.03B | 42.55B | 32.94B |
| Stockholders Equity | 27.02B | 26.32B | 28.04B | 16.26B | 13.37B | 8.90B |
Cash Flow | ||||||
| Free Cash Flow | 13.59B | 13.61B | -21.53B | -23.61B | -10.95B | -7.12B |
| Operating Cash Flow | 13.76B | 13.82B | -21.25B | -23.33B | -10.84B | -7.04B |
| Investing Cash Flow | -1.54B | -1.28B | -2.25B | -1.80B | -738.03M | -379.51M |
| Financing Cash Flow | -9.09B | -14.85B | 25.49B | 25.67B | 13.44B | 796.90M |
Muthoot Microfin Ltd Technical Analysis
Negative
180.60
Price Trends
169.54
Negative
174.04
Negative
166.44
Negative
Market Momentum
-5.15
Negative
44.87
Neutral
30.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MUTHOOTMF, the sentiment is Negative. The current price of 180.6 is above the 20-day moving average (MA) of 152.86, above the 50-day MA of 169.54, and above the 200-day MA of 166.44, indicating a bearish trend. The MACD of -5.15 indicates Negative momentum. The RSI at 44.87 is Neutral, neither overbought nor oversold. The STOCH value of 30.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MUTHOOTMF.
Muthoot Microfin Ltd Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | ₹26.02B | 19.28 | ― | ― | -10.17% | -181.71% | |
51 Neutral | ₹13.36B | 10.24 | ― | ― | ― | ― | |
44 Neutral | ₹12.15B | 48.24 | ― | 2.64% | -8.71% | -2192.08% | |
44 Neutral | ₹17.65B | -5.67 | ― | ― | -45.13% | -1646.01% | |
43 Neutral | ₹12.79B | 13.46 | ― | ― | 33.99% | 11.65% | |
41 Neutral | ₹20.96B | -1.76 | ― | 2.82% | 2.35% | -261.81% |
* Financial Sector Average
IN:MUTHOOTMF
Muthoot Microfin Ltd
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26.70
20.89%
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Muthoot Microfin Ltd Corporate Events
Muthoot Microfin Publishes Unaudited Q3 and Nine-Month Results in Newspapers
Feb 10, 2026
Muthoot Microfin Ltd has notified the exchanges that it has published newspaper advertisements detailing its unaudited financial results for the quarter and nine months ended December 31, 2025, in compliance with SEBI’s Listing Obligations a...
Muthoot Microfin Clears ₹150-Crore NCD Issue, Cancels Earlier ₹150-Crore Tranche
Jan 20, 2026
Muthoot Microfin Limited’s Debenture Issue and Allotment Committee has approved the private placement of two sets of secured, rated, listed, redeemable non-convertible debentures (NCDs), comprising 5,000 NCDs with a face value of ₹1 la...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.