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
₹174.70
+3.72% 1W | +7.20% 52W
Market Cap
2.9k CR
P/E Ratio
12
52W High
₹262.8
52W Low
₹141.2
Div. Yield
0%
Beta
0.7
50 DMA
₹195
200 DMA
₹190.5
Profit Margin
21%
Inst. Own.
7.9%
📉 CONSOLIDATING DOWN
📉 CONSOLIDATING DOWN
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
54
Overall
59
Fundamental
49
Technical
Risks (4)
OVERVALUED! PEG of 9.23 means expensive relative to growth rate.
WEAK POSITION! Current price (174.7) is below both moving averages.
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 148,964 vs down days: 229,479. Ratio: 0.65x
POSITIVE YEAR! Stock gained 7.2% in the last year.
Strengths (4)
EXCELLENT EFFICIENCY! 21.0% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (195.0) is above 200-day average (190.5) - positive signal.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 39.4 - watch for reversal.
Fundamental & Technical Analysis
54Overall
59Fundamental
49Technical
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 9.23 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
10/10
BULLISH TREND! 50-day average (195.0) is above 200-day average (190.5) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (174.7) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
4/10
POSITIVE YEAR! Stock gained 7.2% in the last year.
Volume Sentiment
10/30
BEARISH SENTIMENT! In last 30 days: 13 up days, 17 down days. Avg volume on up days: 148,964 vs down days: 229,479. Ratio: 0.65x
RSI
4/5
APPROACHING OVERSOLD! RSI at 39.4 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 27.5% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 3.7% (1 week), -6.8% (1 month), -27.2% (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 | ₹174.70 | 12 | 21.0% | 19.5% | 1.3% | +7.2% | 54 | CONSOLIDATING DOWN | +1,211.3% | +14.3% | +14.3% | +0.2% |
| INDOSTAR | ₹194.60 | – | – | 6.4% | -14.6% | -14.5% | 50 | BREAKDOWN | -97.9% | -102.7% | +6.0% | +3.5% |
| MUFIN | ₹138.30 | 66.8 | 41.1% | 82.6% | 51.6% | +44.5% | 86 | CONSOLIDATING DOWN | +300.0% | +26.1% | +57.4% | +19.5% |
| FUSION | ₹159.10 | 15.5 | 19.6% | -1.6% | -67.0% | -9.2% | 50 | APPROACHING SUPPORT | -167.7% | -45.4% | -5.1% | +7.7% |
| SATIN | ₹231.20 | 6.2 | 25.3% | 23.5% | 310.2% | +56.1% | 74 | APPROACHING RESISTANCE | +172.1% | -24.3% | +16.5% | +13.0% |
| AYE | ₹153.30 | 15.4 | 22.2% | 40.4% | 69.3% | +24.2% | 63 | CONSOLIDATING DOWN | +143.5% | -13.3% | +26.3% | +2.7% |
| SPANDANA | ₹211.80 | – | -116.2% | -10.3% | – | -12.1% | 37 | BREAKDOWN | -103.3% | +124.5% | -1.2% | +20.9% |
| PFS | ₹27.30 | 7.9 | 63.4% | -15.8% | 22.0% | -23.2% | 64 | BREAKOUT | -70.6% | -11.6% | -33.9% | -19.4% |
Data from TradeAlone · Updated daily
MUTHOOTMF News
Muthoot Microfin Limited (muthootmf) Earns ‘positive’ Outlook from Careedge Global on Stronger Asset Quality and Operating Performance2026-10-26Muthoot 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
