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Muthoot Microfin
Small Cap•6,204 Employees•IPO 2023
Current Price
₹153.88
-1.91 (-1.23%)Updated
Valuation vs Sector
P/E Ratio
-8.74vs 19.00
P/B Ratio
0.98vs 2.14
Div Yield
0.00%vs 0.57%
Today's Range
150.8
₹153.88
155.25
52 Week Range
52W Low₹119.25
52W High₹199.39
₹153.88
Downside29.04%
Upside29.57%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹3,198.43 Cr
Market Cap
Total market value of companyP/E Ratio
-
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.03
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹-22.91
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
-13.90%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
5.80%
ROCE
Return on Capital Employed. >15% is goodNet Margin
-20.24%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
-%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-15.80%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-94.50%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
3.08
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹157.06
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
55.50%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
3 points- •Muthoot Microfin maintains a strong promoter holding of 55.47%, signaling significant management confidence and alignment with shareholder interests, which can foster stability and reduce governance concerns.
- •The company exhibits a healthy operating profit margin (OPM) of 21.00%, indicating efficient core business operations and cost management, which could support future profitability despite recent challenges.
Weaknesses
6 points- •Muthoot Microfin's negative Return on Equity (ROE) of -8.19% indicates that the company is not generating sufficient profits for its shareholders, reflecting poor capital utilization and financial performance.
- •The company carries a high debt-to-equity ratio of 3.08, signifying substantial reliance on borrowed capital, which elevates financial risk and vulnerability to interest rate fluctuations or economic downturns.
Opportunities
3 points- •The growing demand for financial inclusion in underserved populations presents a significant opportunity for microfinance institutions like Muthoot Microfin to expand their customer base and market reach.
- •Leveraging digital platforms and technology for loan disbursement and collection could enhance operational efficiency, reduce costs, and broaden access to new customer segments in the microfinance sector.
Threats
5 points- •The microfinance sector faces intense competition from other NBFCs and fintech players, potentially leading to pricing pressures and challenges in customer acquisition and retention for Muthoot Microfin.
- •Adverse changes in regulatory policies or interest rate caps for microfinance loans could significantly impact profitability and operational flexibility, posing a substantial risk to the company's business model.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹164.72 | +₹10.84 | +7.04% |
| R3 | ₹160.27 | +₹6.39 | +4.15% |
| R2 | ₹157.76 | +₹3.88 | +2.52% |
| R1 | ₹155.82 | +₹1.94 | +1.26% |
| PIVOT | ₹153.31 | -0.57 | -0.37% |
| CURRENT | ₹153.88 | - | - |
| S1 | ₹142.47 | -₹11.41 | -7.41% |
| S2 | ₹146.92 | -₹6.96 | -4.52% |
| S3 | ₹148.86 | -₹5.02 | -3.26% |
| S4 | ₹151.37 | -₹2.51 | -1.63% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-68.4% vs avg
1.00L
(11 Mar 2026)Delivery %+17.5% vs avg
66.3%
(11 Mar 2026)Avg Volume (20D)20-day average
3.17L
(11 Feb - 11 Mar)Avg Delivery %Trend ↑
48.9%
(11 Feb - 11 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Indian Railway Finance Corporation Ltd
1.48L ₹ Cr
Best Profit Growth
IFCI Ltd
138.00 %
Highest Dividend Yield
REC Ltd
6.58 %
Peer Comparison
| Company Name |
|---|
 Housing & Urban Development Corporation Ltd |
 IFCI Ltd |
 Indian Renewable Energy Development Agency Ltd |
 Indian Railway Finance Corporation Ltd |
 JSW Holdings Ltd |
 Mufin Green Finance Ltd |
 PTC India Financial Services Ltd |
 REC Ltd |
 Tourism Finance Corporation of India Ltd |
 Vardhman Holdings Ltd |
About
Muthoot Microfin Ltd
Muthoot Microfin Limited (MuthootMF) is a non-deposit taking non-banking financial company (NBFC) operating primarily in rural India. Its core business centers around providing microloans to women entrepreneurs, empowering them to establish and grow income-generating ventures. This focus on women in underserved rural areas constitutes a significant aspect of MuthootMF's social and economic impact.
The company's loan portfolio is diverse, catering to a range of needs. They offer income-generating loans designed to support various small businesses, Pragathi loans (likely targeted at specific development goals), and individual loans for personal needs. Recognizing the importance of asset acquisition for economic advancement, MuthootMF also extends credit for purchasing essential goods such as mobile phones, solar lighting products, and household appliances. Furthermore, they provide loans specifically for sanitation improvements, highlighting their commitment to improving the overall quality of life in the communities they serve.
Beyond microloans, MuthootMF offers gold loans, a common financial product in India, leveraging the value of gold assets to provide credit. They also cater to small and growing businesses with their "Muthoot small & growing business loans" product line, demonstrating their commitment to supporting enterprise development across various scales. This diversified loan portfolio reflects an attempt to meet the varied financial needs within their target market.
In addition to its lending activities, MuthootMF provides value-added services designed to complement its loan offerings and enhance customer well-being. These include wellness combo packages and property insurance, signifying an approach that goes beyond simple lending and seeks to provide holistic financial support and risk mitigation to its clientele. This focus on value-added services distinguishes MuthootMF and strengthens its relationship with its borrowers.
Established in 1992 and headquartered in Kochi, India, Muthoot Microfin Limited is a subsidiary of Muthoot Fincorp Limited, benefiting from the experience and resources of a larger financial conglomerate. The company's history reflects a long-standing commitment to microfinance and financial inclusion within India's rural landscape.
COMPANY FACTS - MUTHOOTMF
Registered Address
5th Floor, Muthoot Towers, M.G. Road
Ernakulam
KERALA
IN
Tel: 914844277500
Website:https://muthootmicrofin.com/
Investor Relations:http://www.muthootmicrofin.com/annual-report
Company Details
Group: Financial Services
Sector: Financials
Industry: Financial Services
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 6,204
IPO Date: 26/12/2023
MANAGEMENT - MUTHOOTMF
Mr. Praveen T.
Chief Financial Officer
Mr. Udeesh Ullas
Chief Operating Officer
Mr. Subhransu Pattnayak
Executive Vice President - Human Resources and Products
Ms. Neethu Ajay
Chief Compliance Officer, Company Secretary
Mr. Thomas John
Whole Time Director
Mr. Thomas Muthoot
Non-Executive Director
Mrs. Bhama Krishnamurthy
Non-Executive Independent Woman Director
Mrs. Pushpy Muricken
Non-Executive Independent Woman Director
Mr. Alok Prasad
Non-Executive Independent Director
Mr. Anil Sreedhar
Non-Executive Independent Director
Mr. Thai Vijayan
Non-Executive Independent Director
Mr. Sadaf Sayeed
Chief Executive Officer
Investor Questions Answered
Muthoot Microfin Ltd (MUTHOOTMF) Stock FAQs
Get answers to the most common questions about Muthoot Microfin Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Muthoot Microfin Ltd (MUTHOOTMF) is ₹153.88. Today, the stock has declined by ₹1.91 (1.23%), trading in a range of ₹150.8 to ₹155.25. The stock opened at ₹152 with a trading volume of 1,03,248 shares.
Muthoot Microfin Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹3,198.43 crores, P/E ratio of 0.00, ROE of -13.90%, and ROCE of 5.80%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Muthoot Microfin Ltd (MUTHOOTMF) is ₹199.39, while the 52-week low is ₹119.25. Currently trading at ₹153.88, the stock is 43.2% away from its 52-week low and 22.8% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Muthoot Microfin Ltd stock at ₹153.88 depends on multiple factors. The stock is currently trading with a P/E ratio of 0.00 and P/B ratio of N/A. Today's performance shows a loss of 1.23%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Muthoot Microfin Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹153.88, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Muthoot Microfin Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: -13.90%, ROCE: 5.80%, Dividend Yield: 0.00%, EPS: ₹-22.91, Book Value: ₹157.06, Debt-to-Equity: 3.08, and Current Ratio: N/A. The company's market cap stands at ₹3,198.43 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Muthoot Microfin Ltd stock opened at ₹152 and is currently trading at ₹153.88, showing a decline of ₹1.91 (1.23%). The intraday high is ₹155.25 and low is ₹150.8. The trading volume stands at 1,03,248 shares, indicating moderate market participation today.
Muthoot Microfin Ltd has a Price-to-Earnings (P/E) ratio of 0.00, which means investors are willing to pay ₹0.00 for every ₹1 of earnings. With an EPS of ₹-22.91, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Muthoot Microfin Ltd has a market capitalization of ₹3,198.43 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹153.88) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Muthoot Microfin Ltd has a book value of ₹157.06 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹153.88, which is 2.0% below the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Muthoot Microfin Ltd has a Return on Equity (ROE) of -13.90% and Return on Capital Employed (ROCE) of 5.80%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Muthoot Microfin Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Muthoot Microfin Ltd has a debt-to-equity ratio of 3.08, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Muthoot Microfin Ltd has an Earnings Per Share (EPS) of ₹-22.91, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹153.88 and P/E ratio of 0.00, investors are paying 0.00 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Muthoot Microfin Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Muthoot Microfin Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Muthoot Microfin Ltd stock, consider: 1) Fundamental Analysis - Review P/E (0.00), ROE (-13.90%), debt-to-equity (3.08), and growth rates. 2) Technical Analysis - Check 52-week range (₹119.25 - ₹199.39), moving averages, and chart patterns. 3) Valuation - Compare current price (₹153.88) with book value (₹157.06) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Muthoot Microfin Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹153.88 is 1439x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Muthoot Microfin Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹119.25 - ₹199.39). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.08 indicates leverage. 4) Liquidity Risk - Based on trading volume of 1,03,248 shares. 5) Valuation Risk - P/E of 0.00 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Muthoot Microfin Ltd operates in the industry with key metrics: P/E ratio of 0.00, ROE of -13.90%, market cap of ₹3,198.43 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.08), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Muthoot Microfin Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹153.88, with a 52-week range of ₹119.25 to ₹199.39. Based on fundamentals like P/E (0.00), ROE (-13.90%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Muthoot Microfin Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹153.88. 2) Fundamental Deterioration - Declining ROE (currently -13.90%), increasing debt (D/E: 3.08), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Muthoot Microfin Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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