Muthoot Microfin

Who are in the management team of Muthoot Microfin?

As of March 2022, the management team of Muthoot Microfin includes Thomas Muthoot (Managing Director), Thomas George Muthoot, Thomas John Muthoot, Akshaya Prasad, John Tyler Day (Directors), and several independent directors including T S Vijayan, Alok Prasad, Bhama Krishnamurthy, Pushpy Muricken, and R Anand, along with Neethu Ajay as Company Secretary & Compliance Officer.

As of March 2022, the management team of Muthoot Microfin includes the following individuals:<BR><BR>1. Thomas George Muthoot - Director<BR>2. Thomas John Muthoot - Director<BR>3. T S Vijayan - Independent Director<BR>4. Alok Prasad - Independent Director<BR>5. Thomas Muthoot - Managing Director<BR>6. Bhama Krishnamurthy - Independent Director<BR>7. Pushpy Muricken - Independent Director<BR>8. Neethu Ajay - Company Secretary & Compliance Officer<BR>9. Akshaya Prasad - Director<BR>10. John Tyler Day - Director<BR>11. R Anand - Independent Director<BR><BR>This team comprises a mix of directors and independent directors, with a focus on governance and compliance.

Has Muthoot Microfin declared dividend?

No Dividend History Available

Who are the peers of the Muthoot Microfin?

Muthoot Microfin's peers include REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Spandana Sphoort, Fusion Finance, and Satin Creditcare, with varying management risks and growth rates. Its 1-year return is -31.93%, better than Indian Renewable's -41.23% but worse than Tour. Fin. Corp.'s 53.91%.

Peers: The peers of Muthoot Microfin are REC Ltd, HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Spandana Sphoort, Fusion Finance, and Satin Creditcare.<BR><BR>Quality Snapshot: Excellent management risk is observed at REC Ltd, while Average management risk is found at HUDCO, Indian Renewable, Spandana Sphoort, and Muthoot Microfin, and the rest. Below Average management risk is present at IFCI, Tour. Fin. Corp., Fusion Finance, and Satin Creditcare. Growth is Excellent at Indian Renewable, Average at Muthoot Microfin and CreditAcc. Gram., and the rest show Below Average growth. Capital Structure is Excellent at Muthoot Microfin, HUDCO, IFCI, Tour. Fin. Corp., Spandana Sphoort, Fusion Finance, Satin Creditcare, and the rest have Good or Below Average ratings.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Tour. Fin. Corp. at 53.91%, while the lowest is Indian Renewable at -41.23%. Muthoot Microfin's 1-year return is -31.93%, which is better than Indian Renewable but worse than Tour. Fin. Corp. Additionally, peers such as Spandana Sphoort, Fusion Finance, and IFCI have negative six-month returns.

What does Muthoot Microfin do?

Muthoot Microfin Ltd is a small-cap finance company that provides microfinance services. As of March 2025, it reported net sales of ₹5,550 Cr and a net loss of ₹4,012 Cr, with a market cap of ₹2,825 Cr.

Overview: <BR>Muthoot Microfin Ltd operates in the finance industry as a small-cap company.<BR><BR>History: <BR>The company was incorporated in 1992 as "Panchratna Stock and Investment Consultancy Services Private Limited" and underwent several name changes, becoming a public limited company in 1994. The latest quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot: <BR>Net Sales: 5,550 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: -4,012 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: INR 2,825 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 3.03 <BR>Return on Equity: -8.51% <BR>Price to Book: 1.08<BR><BR>Contact Details: <BR>Address: 13th Floor Parinee Crescenzo, Bandra Kurla Cmpx Bandra East Mumbai Maharashtra : 400051 <BR>Tel: +91 48 4427 7500 <BR>Email: info@muthootmicrofin.com <BR>Website: http://www.muthootmicrofin.com

Who are the top shareholders of the Muthoot Microfin?

The top shareholders of Muthoot Microfin are Muthoot Fincorp Ltd with 50.21%, Greater Pacific Capital Wiv Ltd with 15.13%, and individual investors with 12.78%. There are also 22 foreign institutional investors holding 2.7%, with no pledged promoter holdings or mutual fund investments.

The top shareholders of Muthoot Microfin include Muthoot Fincorp Ltd, which holds the largest stake at 50.21%. The next significant shareholder is Greater Pacific Capital Wiv Ltd, with a holding of 15.13%. Additionally, individual investors collectively own 12.78% of the company. There are also 22 foreign institutional investors (FIIs) that hold a combined 2.7% of the shares. Notably, there are no pledged promoter holdings and no mutual funds currently invested in the company.

How big is Muthoot Microfin?

As of 24th July, Muthoot Microfin Ltd has a market capitalization of 3,013.00 Cr and reported net sales of 2,536.10 Cr with a net loss of 222.52 Cr in the latest four quarters.

As of 24th July, Muthoot Microfin Ltd has a market capitalization of 3,013.00 Cr, classifying it as a Small Cap company.<BR><BR>In the latest four quarters, Muthoot Microfin reported net sales of 2,536.10 Cr. However, the company experienced a net loss of 222.52 Cr during the same period.<BR><BR>The latest annual reporting period for Muthoot Microfin is March 2025. At that time, the company had shareholder's funds amounting to 2,632.23 Cr and total assets of 10,763.20 Cr.

How has been the historical performance of Muthoot Microfin?

Muthoot Microfin's historical performance shows rising net sales from 832.51 crore in March 2022 to 2,561.69 crore in March 2025, but profitability has declined sharply, with a negative profit after tax of -222.52 crore in March 2025 due to increased expenditures. Total liabilities and assets both grew significantly during this period, while cash flow from operating activities improved to 1,382.00 crore in March 2025.

Answer:<BR>The historical performance of Muthoot Microfin shows significant fluctuations in key financial metrics over the past four years.<BR><BR>Breakdown:<BR>Muthoot Microfin's net sales have shown a consistent upward trend, increasing from 832.51 crore in March 2022 to 2,561.69 crore in March 2025. However, total expenditure has also risen sharply, leading to an operating profit (PBDIT) that turned negative at -248.81 crore in March 2025, down from a positive 610.93 crore in March 2024. This decline in profitability is reflected in the profit before tax, which fell to -288.90 crore in March 2025, compared to a profit of 581.84 crore the previous year. Consequently, the profit after tax also turned negative, recording -222.52 crore in March 2025, a stark contrast to the 449.58 crore profit in March 2024. The company's total liabilities increased from 5,586.68 crore in March 2022 to 10,763.20 crore in March 2025, while total assets rose from 5,586.68 crore to 10,763.20 crore in the same period. Cash flow from operating activities improved to 1,382.00 crore in March 2025, reversing the negative trend seen in prior years, although the net cash outflow for the year was -230.00 crore. Overall, Muthoot Microfin's financial performance reflects a challenging environment with rising costs and declining profitability despite increasing sales.

Is Muthoot Microfin overvalued or undervalued?

As of November 13, 2025, Muthoot Microfin is considered overvalued with a valuation grade of expensive, reflected by a PE ratio of -7.81, an EV to EBITDA of 22.30, and a Price to Book Value of 1.04, all of which compare unfavorably to peers like Bajaj Finance and Shriram Finance, while the company's stock has underperformed the Sensex with a 1-year return of -14.44%.

As of 13 November 2025, Muthoot Microfin's valuation grade has moved from very expensive to expensive. The company is currently considered overvalued based on its financial ratios and peer comparisons. Key ratios include a PE ratio of -7.81, an EV to EBITDA of 22.30, and a Price to Book Value of 1.04. <BR><BR>In comparison to its peers, Muthoot Microfin's PE ratio is significantly lower than that of Bajaj Finance, which stands at 34.18, and Life Insurance, which has a PE ratio of 11.18. Additionally, while Muthoot Microfin's EV to EBITDA ratio of 22.30 is higher than the industry average, it still reflects a premium compared to some peers like Shriram Finance at 11.05. The company's recent stock performance has lagged behind the Sensex, with a 1-year return of -14.44% compared to the Sensex's 8.74%, reinforcing the notion of overvaluation.

Is Muthoot Microfin technically bullish or bearish?

As of December 1, 2025, the trend is mildly bullish with mixed signals from indicators, suggesting a cautious outlook.

As of 1 December 2025, the technical trend has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by the daily moving averages indicating bullish momentum. However, the weekly MACD remains bullish while the weekly RSI is bearish, suggesting mixed signals in the short term. The weekly Bollinger Bands are mildly bullish, but the KST indicates a mildly bearish trend. Overall, the lack of clear trends in the Dow Theory and the mixed signals from other indicators suggest a cautious outlook.

When is the next results date for Muthoot Microfin Ltd?

The next results date for Muthoot Microfin Ltd is 09 February 2026.

The next results date for Muthoot Microfin Ltd is scheduled for 09 February 2026.

Are Muthoot Microfin Ltd latest results good or bad?

Muthoot Microfin Ltd's latest Q3 FY26 results show a strong recovery with a net profit of ₹62.44 crores, up 104.52% quarter-on-quarter, and improved operational efficiency. However, challenges remain, including a low return on capital employed and a year-on-year decline in interest earned.

Muthoot Microfin Ltd's latest results for Q3 FY26 indicate a significant recovery compared to previous quarters, which can be seen as a positive development. The company reported a net profit of ₹62.44 crores, marking a remarkable 104.52% increase quarter-on-quarter. This is a substantial turnaround from the losses experienced in the previous fiscal year.<BR><BR>Additionally, interest earned rose by 4.59% to ₹602.81 crores, and the operating margin reached a record high of 49.57%, reflecting improved operational efficiency. The profit before tax also more than doubled compared to the previous quarter, further highlighting the company's recovery momentum.<BR><BR>However, it's important to note that while these results show sequential improvement, there are still challenges. The return on capital employed (ROCE) remains low at 4.09%, indicating ongoing concerns about profitability and capital efficiency. Furthermore, the year-on-year comparison shows that interest earned is still down by 11.45%, suggesting cautious growth in the loan book.<BR><BR>In summary, the latest results can be viewed as good in the context of recovery from a difficult period, but the company still faces significant challenges that need to be addressed for sustained improvement.

Should I buy, sell or hold Muthoot Microfin Ltd?

Why is Muthoot Microfin Ltd falling/rising?

As of 11-Mar, Muthoot Microfin Ltd's stock price is at 155.00, down 0.67%. The stock has underperformed the market with significant declines over various periods, and despite past strong performance, recent trends show reduced investor interest and long-term financial weaknesses.

As of 11-Mar, Muthoot Microfin Ltd's stock price is currently at 155.00, reflecting a decrease of 1.05 (-0.67%). The stock has underperformed relative to the broader market, with a 1-week decline of 2.27% compared to the Sensex's decline of 2.85%. Over the past month, Muthoot Microfin has experienced a significant drop of 18.68%, while the Sensex fell by 8.75%. Year-to-date, the stock is down 11.98%, again worse than the Sensex's decline of 9.81%. <BR><BR>Despite a strong performance over the past year, where the stock generated a return of 23.65% compared to the market's 3.73%, the recent trends indicate a concerning decline in investor participation. The delivery volume has fallen by 40.23% against the 5-day average, suggesting reduced interest from investors. Additionally, the finance/NBFC sector has seen a decline of 2.5%, which may be impacting Muthoot Microfin's performance.<BR><BR>The company has reported positive results for the last three consecutive quarters, with strong operating profit metrics. However, it faces long-term fundamental weaknesses, including a low average Return on Equity (ROE) of 6.98% and a significant annual decline in operating profit growth of -41.87%. Furthermore, institutional investors have reduced their stake by 22.66% in the previous quarter, indicating a lack of confidence from more sophisticated market participants. This combination of declining investor interest, sector performance, and long-term financial challenges contributes to the stock's current downward trend.

Why is Muthoot Microfin Ltd falling/rising?

As of 12-Mar, Muthoot Microfin Ltd's stock price is at 155.00, reflecting a slight decline and a bearish trend, with significant drops in investor participation and weak long-term fundamentals contributing to its current downward movement. Despite a strong annual return, the stock is trading below key moving averages and has seen reduced institutional investment.

As of 12-Mar, Muthoot Microfin Ltd's stock price is currently at 155.00, reflecting a decrease of 0.2, or 0.13%. The stock has been experiencing a downward trend, having fallen for the last two consecutive days with a total decline of 0.67% during this period. This decline is further evidenced by the stock's performance over the past week, where it has decreased by 2.15%, while the benchmark Sensex has fallen by 4.98%.<BR><BR>Despite the stock's strong performance over the past year, generating a return of 26.27%, there are several negative indicators contributing to its current decline. The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, suggesting a bearish trend. Additionally, there has been a significant drop in investor participation, with delivery volume on 11 March falling by 32.38% compared to the 5-day average.<BR><BR>Moreover, while the company has reported positive results in the last three consecutive quarters, there are concerns regarding its long-term fundamental strength. The average Return on Equity (ROE) is low at 6.98%, and the operating profit has shown a troubling annual decline of 41.87%. Institutional investors have also reduced their stake by 22.66% in the previous quarter, indicating a lack of confidence from larger investors.<BR><BR>In summary, the combination of declining stock performance, reduced investor participation, and weak long-term fundamentals are contributing to the current downward movement in Muthoot Microfin Ltd's stock price.

Which are the latest news on Muthoot Microfin?