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 Q4 FY26 results show a strong recovery with a net profit of ₹71.12 crores and a revenue increase of 4.81%, alongside improved operating margins. However, the stock's premium valuation raises concerns about sustainability despite the positive performance.

Muthoot Microfin Ltd's latest results for Q4 FY26 indicate a strong recovery, showcasing positive performance across several key metrics. The company reported a net profit of ₹71.12 crores, which is a 13.90% increase compared to the previous quarter. Revenue also saw a healthy growth of 4.81% sequentially, reaching ₹631.81 crores, and a notable year-on-year growth of 13.83%.<BR><BR>The operating margin expanded to a record 52.56%, reflecting improved operational efficiency and cost management. Additionally, the interest coverage ratio improved to 1.43x, indicating a stronger ability to service debt compared to previous periods.<BR><BR>Overall, these results represent a significant turnaround from the previous fiscal year, where the company faced substantial losses. However, despite the positive operational metrics, the stock is currently trading at a premium valuation, which raises concerns about its sustainability moving forward. Investors should weigh the strong recovery against the high valuation and potential risks associated with the microfinance sector.

Should I buy, sell or hold Muthoot Microfin Ltd?

Why is Muthoot Microfin Ltd falling/rising?

As of 19-May, Muthoot Microfin Ltd's stock price is rising to Rs 181.30, following a trend reversal after four days of decline, indicating potential recovery in investor sentiment. Strong financial performance, high institutional holdings, and recent positive results contribute to this upward movement.

As of 19-May, Muthoot Microfin Ltd's stock price is rising, currently at Rs 181.30, reflecting an increase of Rs 3.3 or 1.85%. This upward movement follows a trend reversal after four consecutive days of decline, indicating a potential recovery in investor sentiment. The stock has outperformed its sector by 1.22% today and reached an intraday high of Rs 183.7, which is a 3.2% increase.<BR><BR>The company's recent financial performance has been strong, with a reported net profit growth of 13.9% and a significant increase in profit after tax (PAT) of 194.2% compared to the previous four-quarter average. Additionally, the company has consistently declared positive results over the last four quarters, which contributes to a favorable outlook among investors.<BR><BR>Moreover, Muthoot Microfin Ltd has high institutional holdings at 26.33%, with these investors increasing their stake by 22.89% in the previous quarter. This suggests confidence in the company's fundamentals, as institutional investors typically have more resources to analyze and assess company performance.<BR><BR>Despite a recent decline in delivery volume, which fell by 23.65% against the five-day average, the stock remains liquid enough for trading, indicating that there is still interest among investors. Overall, the combination of strong financial results, institutional support, and a recent trend reversal contributes to the rising stock price of Muthoot Microfin Ltd.

Which are the latest news on Muthoot Microfin?