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.

Why is Muthoot Microfin Ltd falling/rising?

As of 03-Apr, Muthoot Microfin Ltd's stock is rising at 152.00, with a 0.56% increase, but it is trading below its moving averages and has seen a 48.63% drop in delivery volume, indicating potential investor concerns despite recent gains. The company has shown strong quarterly growth, yet faces challenges with low return on equity and reduced institutional stakes.

As of 03-Apr, Muthoot Microfin Ltd's stock price is rising, currently at 152.00, with a change of 0.85 (0.56%) upwards. The stock has shown a positive performance today, outperforming its sector by 9% and has experienced consecutive gains over the last two days, rising by 3.9% during this period. Additionally, the company has declared positive results for the last three consecutive quarters, with significant growth in profit before tax and operating profit metrics, indicating strong operational performance.<BR><BR>Despite these positive factors, the stock is trading lower than its moving averages across various time frames, which suggests some underlying weakness. Furthermore, there has been a notable decrease in investor participation, with delivery volume falling by 48.63% against the five-day average. This decline in participation could indicate a lack of confidence among investors, despite the stock's recent gains.<BR><BR>In the broader context, while Muthoot Microfin has generated a return of 15.94% over the past year, it faces challenges such as weak long-term fundamental strength, evidenced by a low return on equity of 6.98% and a significant decline in profits over the past year. Institutional investors have also reduced their stakes by 22.66%, which may reflect concerns about the company's long-term growth prospects. Overall, while the stock is currently rising, it is essential to consider the mixed signals from both its recent performance and the broader market context.

Why is Muthoot Microfin Ltd falling/rising?

As of 04-Apr, Muthoot Microfin Ltd's stock price is rising due to recent positive quarterly results, with a 3.9% gain over the last two days. However, it faces challenges such as declining investor participation and trading below moving averages, indicating potential long-term weakness.

As of 04-Apr, Muthoot Microfin Ltd's stock price is currently rising, as indicated by a change of 0.85 (0.56%) upward. This increase follows a trend where the stock has gained for the last two days, resulting in a total return of 3.9% during this period. Additionally, the stock has outperformed its sector by 9% today, which suggests a relatively strong performance compared to its peers.<BR><BR>Despite this positive short-term movement, the stock has experienced a decline over the past week and month, with returns of -7.85% and -6.55%, respectively. However, it is noteworthy that the company has declared positive results for the last three consecutive quarters, including a significant growth in profit after tax (PAT) of 169.3% compared to the previous four-quarter average. This strong quarterly performance may be contributing to the current rise in stock price.<BR><BR>On the other hand, the stock is trading below its moving averages across various time frames, indicating potential weakness in the longer-term trend. Furthermore, there has been a notable decrease in investor participation, with delivery volume falling by 48.63% against the five-day average, which could signal caution among investors.<BR><BR>In summary, while Muthoot Microfin Ltd is experiencing a rise in stock price due to recent positive quarterly results and short-term gains, it faces challenges such as declining investor participation and trading below moving averages, which may affect its performance moving forward.

Why is Muthoot Microfin Ltd falling/rising?

As of 05-Apr, Muthoot Microfin Ltd's stock price is rising due to strong recent performance, including a 3.9% gain over two days and significant profit growth. However, concerns about long-term strength and declining investor participation may impact its sustainability.

As of 05-Apr, Muthoot Microfin Ltd's stock price is rising, currently at 152.00, with a change of 0.85 (0.56%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 9% today and has shown a consecutive gain over the last two days, rising by 3.9% during this period. Additionally, the company has reported positive results for the last three consecutive quarters, with a significant growth in profit after tax (PAT) of 169.3% compared to the previous four-quarter average, and the highest operating profit to interest ratio at 1.35 times.<BR><BR>Despite the overall market conditions, where the finance/NBFC sector has fallen by 8.45%, Muthoot Microfin has managed to generate a return of 15.94% over the past year, indicating a market-beating performance. However, it is important to note that the stock is trading below its moving averages, which may suggest underlying weaknesses. Furthermore, there has been a notable decline in investor participation, with delivery volume dropping by 48.63% against the five-day average, which could impact future price movements.<BR><BR>In summary, while Muthoot Microfin Ltd is currently experiencing a rise in stock price due to recent positive performance and gains, there are concerns regarding long-term fundamental strength and declining investor participation that could affect its sustainability.

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