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Banking And Finance | Small Cap
Health Score : 5.52Muthoot Microfin Ltd, operating in the financial services sector, demonstrates a mixed financial performance. The company shows strong solvency due to its healthy equity ratio and minimal debt. Growth prospects appear promising, driven by significant increases in operating profit, earnings per share, and asset growth. However, liquidity is a significant concern, with poor performance across all liquidity ratios. Efficiency metrics are also weak, indicating challenges in asset utilization. Profitability is moderate, supported by a good return on capital employed and return on assets. Coverage ratios are low, suggesting potential difficulties in meeting interest and dividend obligations. Overall, Muthoot Microfin exhibits strengths in growth and solvency but needs to address its liquidity and efficiency challenges to ensure long-term financial stability.
Health Score : 5.52Muthoot Microfin Ltd, operating in the financial services sector, demonstrates a mixed financial performance. The company shows strong solvency due to its healthy equity ratio and minimal debt. Growth prospects appear promising, driven by significant increases in operating profit, earnings per share, and asset growth. However, liquidity is a significant concern, with poor performance across all liquidity ratios. Efficiency metrics are also weak, indicating challenges in asset utilization. Profitability is moderate, supported by a good return on capital employed and return on assets. Coverage ratios are low, suggesting potential difficulties in meeting interest and dividend obligations. Overall, Muthoot Microfin exhibits strengths in growth and solvency but needs to address its liquidity and efficiency challenges to ensure long-term financial stability.
Overall Valuation Score
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P/E RATIO (TTM)
19.64
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
19.64
P/B RATIO
1.17
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
1.35
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.00
EV/EBITDA RATIO
10.45
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹196.21 as on Sep 1, 2026.
Growth Score : 6.00The company shows strong growth in operating profit, earnings per share, and asset growth, indicating potential for future expansion and increased profitability. While revenue and net income growth are lagging, the positive trends in other growth metrics suggest a promising outlook. Sustaining this growth trajectory will be key to long-term success.
Revenue Growth RatePoor
Operating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 21.78 | 71.55 | 57.38 | 13.92 | -7.49 |
| Operating Profit Growth Rate | 368.75 | 196 | 175.23 | -140.59 | 197.18 |
| Earnings Per Share (EPS) Growth | 569.35 | 238.07 | 87.95 | -149.49 | 176.55 |
| Asset Growth Rate | 33.63 | 52.55 | 35.89 | -6.32 | 16.84 |
| Net Income Growth Rate | 571.43 | 248.94 | 174.39 | -149.56 | 176.23 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Fino Payments Bank Ltd | 6.41 | 21.66 | Neutral | -1268.00 | 6.30 | 52.00 |
| 3 | Muthoot Microfin Ltd | 5.52 | 19.64 | Neutral | 241.00 | 9.99 | 170.00 |
| 4 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 5 | Spandana Sphoorty Financial Ltd | 4.55 | -3.00 | Neutral | -952.00 | -70.40 | -699.00 |
| 6 | Jana Small Finance Bank Ltd | 4.35 | 17.10 | Neutral | -695.00 | 30.99 | 326.00 |
| 7 | Utkarsh Small Finance Bank Ltd | 4.19 | -2.30 | Neutral | -1938.00 | -6.47 | -1151.00 |
| 8 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
| 9 | Fusion Finance Ltd | 3.63 | 226.34 | Neutral | -87.00 | 0.85 | 14.00 |
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Overall Score
Strong Bearish
Bearish
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Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
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Strong Bullish
Strong Bullish
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
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Muthoot Microfin Ltd is a leading microfinance institution in India, primarily focused on providing financial services to women entrepreneurs from low-income households. It offers a range of micro-loans, predominantly through the Joint Liability Group model, alongside financial literacy programs, aiming for financial inclusion and socio-economic upliftment.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Muthoot Microfin Ltd's P/E ratio (TTM) is 19.64, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Muthoot Microfin Ltd's P/B ratio is 1.17, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Muthoot Microfin Ltd's P/S ratio is 1.35, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Muthoot Microfin Ltd's PEG ratio is 0.44.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Muthoot Microfin Ltd's EV/EBITDA ratio is 10.45.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Muthoot Microfin Ltd's ROE is 5.95%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Muthoot Microfin Ltd's ROA is 1.90%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Muthoot Microfin Ltd's ROCE is 37.93%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Muthoot Microfin Ltd's operating margin is 10.17%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Muthoot Microfin Ltd's net margin is 7.17%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Muthoot Microfin Ltd's current ratio is 98.21.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Muthoot Microfin Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Muthoot Microfin Ltd's interest coverage ratio is 1.24.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Muthoot Microfin Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Muthoot Microfin Ltd's EPS is 176.55.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹196.21. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1992 (as Muthoot Finance and Leasing Private Limited)
Headquarters: Kochi, Kerala
Core Offerings: Joint Liability Group (JLG) loans, Individual loans, Financial Literacy, Optional Insurance Products
Stock Listing: NSE (MUTHOOTMF), BSE (544055)
Promoter: Muthoot Pappachan Group
Muthoot Microfin Ltd was incorporated on March 14, 1992, as Muthoot Finance and Leasing Private Limited. It began its microfinance operations in 2010 and transitioned into a public limited company, rebranding as Muthoot Microfin Limited in 2015. The company significantly expanded its operational footprint and customer base over the years, culminating in a successful Initial Public Offering (IPO) in December 2023, listing on both NSE and BSE.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Microfinance Operations (Joint Liability Group Loans) | ~95% of AUM | Primary driver of profitability for the company. |
| Microfinance Operations (Individual Loans & Other Products) | ~5% of AUM | Complementary revenue streams |
Joint Liability Group (JLG) Loans: Constitutes the major portion of the loan portfolio, offered to women borrowers for income-generating activities in rural and semi-urban areas. Loans are disbursed based on mutual guarantee within a group structure, emphasizing collective responsibility.
Individual Loans: Provided to existing eligible JLG members for business expansion or other specific needs, allowing for higher ticket sizes based on track record and repayment capacity.
Financial Literacy and Value-Added Services: Offers programs to enhance financial awareness among its client base and provides optional cross-selling of insurance products (e.g., life and health insurance) as a value-added service, ensuring holistic financial well-being.
Thomas Muthoot (Chairman): Oversees the strategic direction of the company and is part of the esteemed Muthoot Pappachan Group. Sadaf Sayeed (MD & CEO): Leads the executive management, responsible for day-to-day operations and driving growth initiatives in the microfinance sector.
No major subsidiaries reported.
Initial Public Offering (IPO) in December 2023, raising ~₹960 Crores.
The Muthoot Microfin Ltd share price today is ₹196.21 on NSE (MUTHOOTMF), as of 28 Sept 2026.
As of 28 Sept 2026, Muthoot Microfin Ltd share price is ₹196.21, with previous close ₹196.21. Today's range is ₹196.21 to ₹196.21. The 52-week range is ₹141.20 to ₹262.77.
As of today, Muthoot Microfin Ltd's market cap is ₹3,198.22 crore (Small Cap).
Muthoot Microfin Ltd's current P/E ratio is 19.64, compared to the BANKING AND FINANCE sector average of 20.50.
Muthoot Microfin Ltd's current P/B ratio is 1.17.
Muthoot Microfin Ltd's current dividend yield is N/A. Last dividend of ₹1.20 per share was declared on 14-May-2024 (Board Recommended).
Muthoot Microfin Ltd's EPS (TTM) is ₹176.55.
Muthoot Microfin Ltd is a leading microfinance institution in India, primarily focused on providing financial services to women entrepreneurs from low-income households. It offers a range of micro-loans, predominantly through the Joint Liability Group model, alongside financial literacy programs, aiming for financial inclusion and socio-economic upliftment.
Muthoot Microfin Ltd is promoted by Muthoot Pappachan Group, holding 55.47% as of 28 Sept 2026.
Muthoot Microfin Ltd is listed on NSE (MUTHOOTMF) and BSE (544055). Its next quarterly results are expected on August 2024 (Expected Q1 FY25 Results).
Cash Earnings Per Share (Cash EPS)
Return on Assets (ROA)