Muthoot Microfin Ltd (IN:MUTHOOTMF)
:MUTHOOTMF
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Muthoot Microfin Ltd
(MUTHOOTMF)
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Rating:59Neutral
Price Target:
₹186.00
▲(2.99% Upside)
Action:Reiterated
Date:05/09/26
The score is primarily held back by uneven financial performance—volatile revenue/profits and high leverage—despite an improving recent cash-flow profile. Technicals provide meaningful support due to a strong uptrend and positive momentum, while valuation is only fair given the ~24.6 P/E and no dividend yield data.
Positive Factors
Resilient microfinance business model
Muthoot Microfin's JLG-focused, branch-led microcredit model targets low-income women, creating durable customer relationships and high collection discipline via group liability. This business design supports predictable repayment mechanics and deep local distribution that remains relevant across credit cycles.
Negative Factors
High and persistent leverage
Structurally elevated debt-to-equity constrains financial flexibility in an NBFC where access to market funding matters. High leverage raises refinancing and interest-rate sensitivity, amplifying stress from liquidity tightening and limiting capacity to absorb credit deterioration without fresh capital.
Read all positive and negative factors
Positive Factors
Negative Factors
Resilient microfinance business model
Muthoot Microfin's JLG-focused, branch-led microcredit model targets low-income women, creating durable customer relationships and high collection discipline via group liability. This business design supports predictable repayment mechanics and deep local distribution that remains relevant across credit cycles.
Read all positive factors
Muthoot Microfin Ltd (MUTHOOTMF) vs. iShares MSCI India ETF (INDA)
Market Cap
₹30.35B
Dividend YieldN/A
Average Volume (3M)30.94K
Price to Earnings (P/E)24.6
Beta (1Y)1.18
Revenue Growth-3.48%
EPS GrowthN/A
CountryIN
Employees6,204
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)-10.98
Shares Outstanding170,492,170
10 Day Avg. Volume83,998
30 Day Avg. Volume30,940
Financial Highlights & Ratios
PEG Ratio-0.17
Price to Book (P/B)0.85
Price to Sales (P/S)2.39
P/FCF Ratio3.64
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)23.6
Revenue Forecast (FY)₹18.86B
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
46
Neutral
Balance Sheet
42
Neutral
Cash Flow
55
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 10.19B | 24.44B | 12.06B | 14.32B | 3.82B |
| Gross Profit | 6.45B | 23.71B | 12.16B | 6.57B | 3.82B |
| EBITDA | 1.23B | 6.83B | 6.33B | 7.89B | 4.28B |
| Net Income | 991.47M | -2.23B | 4.50B | 1.64B | 473.98M |
Balance Sheet | |||||
| Total Assets | 126.85B | 108.57B | 115.90B | 85.29B | 55.91B |
| Cash, Cash Equivalents and Short-Term Investments | 11.41B | 11.44B | 9.58B | 9.20B | 8.93B |
| Total Debt | 97.07B | 81.01B | 85.24B | 66.23B | 40.88B |
| Total Liabilities | 98.30B | 82.25B | 87.86B | 69.03B | 42.55B |
| Stockholders Equity | 28.54B | 26.32B | 28.04B | 16.26B | 13.37B |
Cash Flow | |||||
| Free Cash Flow | 6.70B | 13.61B | -21.53B | -23.61B | -10.95B |
| Operating Cash Flow | 6.81B | 13.82B | -21.25B | -23.33B | -10.84B |
| Investing Cash Flow | -21.60B | -1.28B | -2.25B | -1.80B | -738.03M |
| Financing Cash Flow | 14.83B | -14.85B | 25.49B | 25.67B | 13.44B |
Muthoot Microfin Ltd Technical Analysis
Positive
180.60
Price Trends
171.83
Positive
176.21
Positive
171.85
Positive
Market Momentum
2.36
Positive
47.05
Neutral
7.35
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MUTHOOTMF, the sentiment is Positive. The current price of 180.6 is below the 20-day moving average (MA) of 192.03, above the 50-day MA of 171.83, and above the 200-day MA of 171.85, indicating a neutral trend. The MACD of 2.36 indicates Positive momentum. The RSI at 47.05 is Neutral, neither overbought nor oversold. The STOCH value of 7.35 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹24.07B | 4.63 | ― | ― | 22.27% | 78.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹20.13B | 71.53 | ― | ― | 25.92% | -5.90% | |
66 Neutral | ₹207.97B | 23.81 | ― | 0.77% | 5.00% | 45.78% | |
63 Neutral | ₹41.83B | 12.87 | ― | 0.29% | 22.32% | 17.78% | |
59 Neutral | ₹30.35B | 24.60 | ― | ― | -3.48% | ― | |
47 Neutral | ₹22.82B | -2.02 | ― | ― | -56.02% | 33.35% |
* Financial Sector Average
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Muthoot Microfin Ltd Corporate Events
Muthoot Microfin Uploads Capital Markets Day 2026 Investor Meet Audio
May 8, 2026
Muthoot Microfin Limited has announced that the audio recording of its recently held investor event, Capital Markets Day 2026, is now available on the company’s website. The recording offers stakeholders an opportunity to revisit management&...
Muthoot Microfin files FY26 investor presentation with exchanges
May 6, 2026
Muthoot Microfin Ltd has submitted its investor presentation detailing the audited financial results for the quarter and full year ended March 31, 2026, to the stock exchanges in compliance with SEBI’s Listing Regulations. The disclosure und...
Muthoot Microfin to Join Capital Market Day 2026 Investor Meet in Mumbai
Apr 20, 2026
Muthoot Microfin Limited has announced that its officials will participate in the investor conference “Capital Market Day 2026” in Mumbai on 7 May 2026, starting from 4:00 PM, as part of its ongoing engagement with capital market parti...
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.