MUTHOOTMF
Muthoot Microfin Limited (MUTHOOTMF) Stock Analysis
Muthoot Microfin Limited is an Indian microfinance institution providing group and individual loans to women entrepreneurs in rural and semi-urban India. It operates under RBI microfinance regulations with joint liability group lending. Portfolio quality and funding costs are key metrics. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹168.50
-3.23% 1W | +2.90% 52W
Market Cap
2.8k CR
P/E Ratio
11.6
52W High
₹262.8
52W Low
₹141.2
Div. Yield
0%
Beta
0.7
50 DMA
₹201.7
200 DMA
₹190.8
Profit Margin
21%
Inst. Own.
7.9%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 479 | 564 | 577 | 643 | 663 | 662 | 681 | 555 | 559 | 576 | 603 | 632 | 669 |
| Interest | 194 | 221 | 232 | 231 | 234 | 237 | 237 | 222 | 210 | 211 | 222 | 232 | 247 |
| Expenses | 150 | 189 | 208 | 227 | 273 | 334 | 428 | 845 | 333 | 318 | 304 | 300 | 306 |
| Financing Profit | 135 | 153 | 137 | 185 | 156 | 91 | 15 | -512 | 16 | 47 | 77 | 101 | 116 |
| Financing Margin % | 28% | 27% | 24% | 29% | 24% | 14% | 2% | -92% | 3% | 8% | 13% | 16% | 17% |
| Other Income | 1 | 2 | 2 | 2 | 0 | 1 | 1 | 1 | 0 | 1 | 3 | 7 | 2 |
| Depreciation | 8 | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 11 | 11 | 10 | 11 | 11 |
| Profit before tax | 128 | 147 | 130 | 177 | 147 | 81 | 5 | -522 | 6 | 37 | 69 | 97 | 107 |
| Tax % | 25% | 25% | 4% | 32% | 23% | 24% | 25% | -23% | -7% | 18% | 10% | 27% | 24% |
| Net Profit | 96 | 110 | 125 | 120 | 113 | 62 | 4 | -401 | 6 | 31 | 62 | 71 | 81 |
| EPS in Rs | 8.19 | 9.38 | 7.31 | 7.02 | 6.64 | 3.61 | 0.22 | -23.53 | 0.36 | 1.79 | 3.66 | 4.17 | 4.77 |
| Gross NPA % | 2.75% | 3.03% | 4.84% | 4.85% | 4.61% | 4.40% | 3.89% | ||||||
| Net NPA % | 0.51% | 0.34% | 1.34% | 1.58% | 1.41% | 1.34% | 1.14% |
| Metric | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 748 | 860 | 684 | 833 | 1,429 | 2,249 | 2,563 | 2,375 | 2,480 |
| Interest | 234 | 291 | 299 | 340 | 549 | 866 | 930 | 874 | 911 |
| Expenses | 243 | 543 | 369 | 417 | 658 | 772 | 1,880 | 1,254 | 1,228 |
| Financing Profit | 271 | 27 | 16 | 75 | 222 | 611 | -248 | 247 | 340 |
| Financing Margin % | 36% | 3% | 2% | 9% | 16% | 27% | -10% | 10% | 14% |
| Other Income | 2 | 6 | 12 | 10 | 17 | 6 | 2 | 5 | 13 |
| Depreciation | 3 | 14 | 19 | 21 | 27 | 35 | 43 | 43 | 43 |
| Profit before tax | 271 | 20 | 9 | 65 | 213 | 582 | -289 | 209 | 310 |
| Tax % | 26% | 8% | 22% | 27% | 23% | 23% | -23% | 18% | |
| Net Profit | 201 | 18 | 7 | 47 | 164 | 450 | -223 | 170 | 245 |
| EPS in Rs | 17.63 | 1.59 | 0.62 | 4.15 | 14.03 | 26.37 | -13.05 | 9.99 | 14.39 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 18.0% | 28.0% | – |
| Profit CAGR | 1.0% | 89.0% | – |
Shareholding Pattern
Promoters55.47%
FIIs23.25%
DIIs2.84%
Public16.74%
Promoters55.47%
FIIs23.17%
DIIs3.03%
Public16.64%
Promoters55.47%
FIIs22.81%
DIIs3.51%
Public16.61%
Promoters55.47%
FIIs23.11%
DIIs3.38%
Public16.45%
Promoters55.47%
FIIs23.19%
DIIs3.07%
Public16.67%
Promoters55.47%
FIIs26.28%
DIIs2.35%
Public14.01%
Promoters55.47%
FIIs25.46%
DIIs2.32%
Public15.05%
Promoters55.47%
FIIs22.81%
DIIs3.51%
Public16.61%
Promoters55.47%
FIIs23.19%
DIIs3.07%
Public16.67%
MUTHOOTMF
Holdings Analysis
Key strengths & risk signals
52
Overall
59
Fundamental
46
Technical
Risks (4)
OVERVALUED! PEG of 8.92 means expensive relative to growth rate.
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 162,379 vs down days: 295,951. Ratio: 0.55x
WEAK POSITION! Current price (168.5) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.2% (1 week), 14.5% (1 month), 28.4% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 21.0% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (201.7) is above 200-day average (190.8) - positive signal.
OVERSOLD! RSI at 24.9 - potential bounce opportunity.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
Fundamental & Technical Analysis
52Overall
59Fundamental
46Technical
Fundamental Breakdown
Growth Quality
18/30
Revenue CAGR: 19.5% (VERY GOOD, 13/15). Profit CAGR: 1.3% (SLOW, 5/15).
Profit Margin
8/10
EXCELLENT EFFICIENCY! 21.0% profit margin - company keeps strong profits.
PEG Valuation
0/10
OVERVALUED! PEG of 8.92 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.08 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 12.11% public ownership - strong promoter/institutional control.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (201.7) is above 200-day average (190.8) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (168.5) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
4/10
POSITIVE YEAR! Stock gained 2.9% in the last year.
Volume Sentiment
5/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 162,379 vs down days: 295,951. Ratio: 0.55x
RSI
5/5
OVERSOLD! RSI at 24.9 - potential bounce opportunity.
52W Range
2/5
LOWER HALF! Trading at 22.5% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.2% (1 week), 14.5% (1 month), 28.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
MUTHOOTMF
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-13 | Concall PDF | |
| Q3FY262026-02-13 | Concall PDF | |
| Q2FY262025-11-11 | Concall PDF | |
| Q1FY262026-08-12 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MUTHOOTMF | ₹168.50 | 11.6 | 21.0% | 19.5% | 1.3% | +2.9% | 52 | BREAKDOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| FUSION | ₹164.00 | 16 | 19.6% | -1.6% | -67.0% | -12.5% | 47 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| MUFIN | ₹130.40 | 63 | 41.1% | 82.6% | 51.6% | +51.9% | 82 | APPROACHING SUPPORT | +300.0% | +26.1% | +57.4% | +19.5% |
| INDOSTAR | ₹188.90 | – | – | 6.4% | -14.6% | -17.5% | 47 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| SATIN | ₹223.90 | 6 | 25.3% | 23.5% | 310.2% | +52.1% | 71 | CONSOLIDATING DOWN | +172.1% | -24.3% | +16.5% | +13.0% |
| SPANDANA | ₹211.10 | – | -116.2% | -10.3% | – | -14.5% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| ARMANFIN | ₹1,694.20 | 15.4 | 30.8% | 14.7% | -15.5% | +11.2% | 51 | BREAKDOWN | -409.6% | +10.2% | +31.7% | +15.8% |
| AYE | ₹156.90 | 15.8 | 22.2% | 40.4% | 69.3% | +30.0% | 71 | BREAKDOWN | +143.5% | -13.3% | +26.3% | +2.7% |
Data from TradeAlone · Updated daily
MUTHOOTMF News
Muthoot Microfin Limited (muthootmf) Secures ₹250 Crore Through Ncds to Drive Growth Plans2026-09-15Muthoot Microfin Limited (muthootmf) Q1 FY27: Highest-ever Disbursements of Rs. 2,645 Crore2026-08-06Muthoot Microfin Limited (muthootmf) Crisil Rating Upgraded to ‘crisil Aa-/stable’2026-06-09Muthoot Microfin’s AUM Surpasses Rs. 14,006 Crore, up 13.3% YoY2026-05-06
