Muthoot Microfin

Why is Muthoot Microfin Ltd falling/rising?

As of 09-Aug, Muthoot Microfin Ltd's stock price is declining, down 3.67% with significant volatility and underperformance compared to its sector. Despite strong past performance, concerns over long-term growth and a premium valuation are contributing to bearish investor sentiment.

As of 09-Aug, Muthoot Microfin Ltd's stock price is currently falling, with a change of -8.15, representing a decline of 3.67%. This downward movement is evident as the stock has been losing for the last two days, resulting in a total drop of -6.9% during this period. Despite opening with a gain of 5.78% today and reaching an intraday high of Rs 243.7, the stock quickly fell to a low of Rs 213, indicating high volatility with an intraday volatility of 7.61%.<BR><BR>The stock has underperformed its sector by -1.65% today, which may contribute to investor sentiment leaning towards selling. Additionally, while the company has shown strong performance over the past year with a return of 40.56% and consistent positive results for five consecutive quarters, the recent trend of poor long-term growth, indicated by an annual decline in operating profit of -10.29%, raises concerns among investors. <BR><BR>Moreover, the stock is trading at a premium compared to its peers, which might deter some investors, especially in light of the recent price decline. The weighted average price suggests that more volume was traded closer to the low price, further indicating a bearish sentiment among traders. Overall, these factors collectively contribute to the current decline in Muthoot Microfin Ltd's stock price.

Which are the latest news on Muthoot Microfin?

Should I buy, sell or hold Muthoot Microfin Ltd?

What does Muthoot Microfin do?

Muthoot Microfin Ltd is a small-cap company providing microfinance services, with a market cap of INR 3,104 Cr and a net profit of 71 Cr as of March 2026. It was incorporated in 1992 and has undergone several name changes, currently focusing on financial inclusion.

Overview:<BR>Muthoot Microfin Ltd operates in the finance industry as a small-cap company, focusing on providing microfinance services.<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 2026.<BR><BR>Financial Snapshot:<BR>- Net Sales: 632 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 71 Cr (Quarterly Results - Mar 2026)<BR>- Market cap: INR 3,104 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 19.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.00%<BR>- Debt Equity: 3.20<BR>- Return on Equity: 6.30%<BR>- Price to Book: 1.15<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

How big is Muthoot Microfin?

As of 10th June, Muthoot Microfin Ltd has a market capitalization of 3,104.00 Cr, with recent net sales of 2,369.57 Cr and a net profit of 170.26 Cr. The latest balance sheet shows shareholder's funds of 2,632.23 Cr and total assets of 10,763.20 Cr.

As of 10th June, Muthoot Microfin Ltd has a market capitalization of 3,104.00 Cr, classifying it as a Small Cap company.<BR><BR>In the latest four quarters, Muthoot Microfin reported Net Sales of 2,369.57 Cr and a Net Profit of 170.26 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, showing Shareholder's Funds of 2,632.23 Cr and Total Assets of 10,763.20 Cr.

Who are in the management team of Muthoot Microfin?

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: T S Vijayan, Alok Prasad, Bhama Krishnamurthy, Pushpy Muricken, and R Anand, along with Neethu Ajay as Company Secretary & Compliance Officer.

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, contributing to the governance and strategic direction of the company.

Who are the peers of the Muthoot Microfin?

Muthoot Microfin's peers include HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Fusion Finance, Satin Creditcare, and Spandana Sphoort. In terms of performance, Muthoot Microfin has a 1-year return of 33.77%, lower than Tour. Fin. Corp.'s 61.69% but higher than Indian Renewable's -34.78%.

Peers: The peers of Muthoot Microfin are HUDCO, Indian Renewable, CreditAcc. Gram., IFCI, Tour. Fin. Corp., Fusion Finance, Satin Creditcare, Spandana Sphoort, and Guj. State Fin.<BR><BR>Quality Snapshot: Excellent management risk is observed at CreditAcc. Gram., while Average management risk is found at HUDCO, Indian Renewable, Fusion Finance, and Spandana Sphoort, and Below Average management risk is noted for IFCI, Tour. Fin. Corp., Satin Creditcare, and the rest. Growth is rated as Good for Indian Renewable, Average for HUDCO, CreditAcc. Gram., Satin Creditcare, and the rest, while Below Average growth is seen at Muthoot Microfin, Fusion Finance, IFCI, Tour. Fin. Corp., and Spandana Sphoort. Capital Structure is Excellent for CreditAcc. Gram., IFCI, Tour. Fin. Corp., Muthoot Microfin, Fusion Finance, Satin Creditcare, Spandana Sphoort, and the rest, while Good capital structure is noted for HUDCO.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Tour. Fin. Corp. at 61.69%, while the lowest is Indian Renewable at -34.78%. Muthoot Microfin's 1-year return is 33.77%, which is significantly higher than Indian Renewable but lower than Tour. Fin. Corp. Additionally, peers such as Spandana Sphoort and Fusion Finance have negative six-month returns.

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.

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.

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.

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.

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.

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.

Has Muthoot Microfin declared dividend?

No Dividend History Available