ScoreWhy is Muthoot Microfin Ltd ?
1
Strong Long Term Fundamental Strength with a 45.40% CAGR growth in Net Sales
2
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 1,382.03 Cr
- PBT LESS OI(Q) At Rs 36.05 cr has Grown at 133.3% (vs previous 4Q average)
- PAT(Q) At Rs 30.52 cr has Grown at 137.0% (vs previous 4Q average)
3
With ROE of -13.3, it has a Expensive valuation with a 1.2 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -2.55%, its profits have fallen by -149%
4
High Institutional Holdings at 26.1%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -2.55% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Muthoot Microfin should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Muthoot Microfin for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Muthoot Microfin
-2.73%
-0.06
41.14%
Sensex
4.84%
0.41
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
23
Price to Book Value
1.15
EV to EBIT
25.48
EV to EBITDA
22.96
EV to Capital Employed
1.04
EV to Sales
4.33
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
4.09%
ROE (Latest)
-13.35%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CF(Y)
Highest at Rs 1,382.03 Cr
PBT LESS OI(Q)
At Rs 36.05 cr has Grown at 133.3% (vs previous 4Q average
PAT(Q)
At Rs 30.52 cr has Grown at 137.0% (vs previous 4Q average
-4What is not working for the Company
PAT(Latest six months)
At Rs 36.70 cr has Grown at -79.01%
NET SALES(Q)
At Rs 576.33 cr has Fallen at -6.2% (vs previous 4Q average
Loading Valuation Snapshot...
Here's what is working for Muthoot Microfin
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 36.05 cr has Grown at 133.3% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -108.15 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 30.52 cr has Grown at 137.0% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs -82.39 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Cash Flow - Annually
Highest at Rs 1,382.03 Cr and Grown
each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (Rs Cr)
Here's what is not working for Muthoot Microfin
Net Sales - Quarterly
At Rs 576.33 cr has Fallen at -6.2% (vs previous 4Q average)
over average Net Sales of the previous four quarters of Rs 614.21 CrMOJO Watch
Near term sales trend is negative
Net Sales (Rs Cr)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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