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.

Should I buy, sell or hold Muthoot Microfin Ltd?

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.

Why is Muthoot Microfin Ltd falling/rising?

As of 08-Feb, Muthoot Microfin Ltd's stock price is rising to 181.00, driven by strong performance against its sector, positive momentum indicated by moving averages, and robust long-term growth in net sales. Despite a drop in delivery volume, the stock remains liquid and fairly valued, attracting potential investors.

As of 08-Feb, Muthoot Microfin Ltd's stock price is rising, currently at 181.00, reflecting a change of 2.7 (1.51%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 0.89% today, indicating a relatively strong performance compared to its peers. Additionally, the stock is trading above its 5-day, 50-day, 100-day, and 200-day moving averages, which typically signals positive momentum.<BR><BR>Moreover, the company has demonstrated strong long-term fundamental strength, highlighted by a 45.40% compound annual growth rate (CAGR) in net sales. Positive financial results reported for the quarter ending September 25 further support this upward movement, with significant growth in operating cash flow, profit before tax, and profit after tax compared to previous averages.<BR><BR>Despite a decline in investor participation, as evidenced by a 64.68% drop in delivery volume against the 5-day average, the stock remains liquid enough for trading, which may help sustain its price. The stock's valuation is also considered fair, trading at a discount compared to its peers, which could attract investors looking for value opportunities. Overall, these factors contribute to the current rise in Muthoot Microfin Ltd's stock price.

Which are the latest news on Muthoot Microfin?

Are Muthoot Microfin Ltd latest results good or bad?

Muthoot Microfin Ltd's latest results show a significant quarterly profit recovery of 393.85%, but a concerning year-on-year net profit decline of 50.46% and a revenue drop of 12.99%. Overall, while there are signs of improvement, the company's financial health remains under scrutiny due to high leverage and ongoing sector challenges.

Muthoot Microfin Ltd's latest results present a mixed picture. On one hand, there has been a significant sequential recovery in profitability, with net profit for Q2 FY26 soaring by 393.85% quarter-on-quarter to ₹30.52 crores. This improvement is a positive sign following a challenging fiscal year where the company posted a substantial loss.<BR><BR>However, the year-on-year performance remains concerning, as the net profit has decreased by 50.46% compared to the same quarter last year. Additionally, revenue has declined by 12.99% year-on-year, indicating ongoing challenges in the microfinance sector, including reduced loan disbursements and heightened credit risk management.<BR><BR>While the operating margins have improved, the overall financial health of the company is still under scrutiny due to high leverage, as evidenced by a debt-to-equity ratio of 3.03, and a negative return on equity of -12.61%. The stock has also underperformed significantly over the past year, with a return of -21.17%, contrasting sharply with the Sensex's gain of 3.78%.<BR><BR>In summary, while there are signs of recovery in the recent quarter, the overall outlook remains cautious due to persistent challenges in revenue growth and profitability, alongside broader sector headwinds.