Muthoot Microfin Ltd (MUTHOOTMF)
₹134.88
Mkt cap
₹2,300 Cr
P/E ratio
9.37
P/B
0.81
Div yield
0.00%
ROE
6.22%
ROCE
9.31%
EPS (TTM)
₹14.39
Book value
₹167
52W range
134–263
Sector
Financial Services
Price history
Previous close
Founded in April 1992, Muthoot Microfin Limited, a subsidiary of Muthoot Pappachan Group, provides micro-loans to female customers with a focus on rural regions in India [1]
NSE MUTHOOTMFBSE 544055
Health check
Cautious
ValuationFair
ProfitabilityWeak
TechnicalsBearish
52-week range
−48.67% from high₹135
₹134+0.57% from low₹263
Current
₹134.88
Prev close
₹143.09
Day
−5.74%
Price performance
1D
−3.63%
1W
−10.63%
1M
−22.37%
3M
−44.14%
6M
−28.40%
1Y
−15.51%
YTD
−23.52%
Financials
Revenue, profit & margin
P/E ratio
9.4×
MUTHOOTMF is 5% below the sector median of 9.9×
MUTHOOTMF9.4×
Sector median9.9×
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 479 | 564 | 577 | 643 | 663 | 662 | 681 | 555 | 559 | 576 | 603 | 632 | 669 | |
| Interest | 194 | 221 | 232 | 231 | 234 | 237 | 237 | 222 | 210 | 211 | 222 | 232 | 247 | |
| Expenses | 150 | 189 | 208 | 227 | 273 | 334 | 428 | 845 | 333 | 318 | 304 | 300 | 306 | |
| Financing Profit | 135 | 153 | 137 | 185 | 156 | 91 | 15 | -512 | 16 | 47 | 77 | 101 | 116 | |
| Financing Margin % | 28% | 27% | 24% | 29% | 24% | 14% | 2% | -92% | 3% | 8% | 13% | 16% | 17% | |
| Other Income | 1 | 2 | 2 | 2 | 0 | 1 | 1 | 1 | 0 | 1 | 3 | 7 | 2 | |
| Depreciation | 8 | 9 | 9 | 10 | 10 | 11 | 11 | 11 | 11 | 11 | 10 | 11 | 11 | |
| Profit before tax | 128 | 147 | 130 | 177 | 147 | 81 | 5 | -522 | 6 | 37 | 69 | 97 | 107 | |
| Tax % | 25% | 25% | 4% | 32% | 23% | 24% | 25% | -23% | -7% | 18% | 10% | 27% | 24% | |
| Net Profit | 96 | 110 | 125 | 120 | 113 | 62 | 4 | -401 | 6 | 31 | 62 | 71 | 81 | |
| EPS in Rs | 8.19 | 9.38 | 7.31 | 7.02 | 6.64 | 3.61 | 0.22 | -23.53 | 0.36 | 1.79 | 3.66 | 4.17 | 4.77 | |
| Gross NPA % | 2.75% | 3.03% | 4.84% | 4.85% | 4.61% | 4.40% | 3.89% | |||||||
| Net NPA % | 0.51% | 0.34% | 1.34% | 1.58% | 1.41% | 1.34% | 1.14% | |||||||
| Raw PDF |
Earnings
Results dates & reactionsNext results
5 Nov '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −3.57% · closed higher next day 0 of last 1
| Q1FY27 | |
|---|---|
| Broadcast | 6 Aug '26◦ |
| Earnings day | −3.57% |
| +1 day | −1.57% |
| +5 days | −6.10% |
| +15 days | −6.07% |
| +30 days | −14.95% |
| Filing | XBRL |
Corporate actions
Last 6 monthsNo recent corporate actions
Dividends, splits, and bonuses in the last six months show up here.
Results analysis
Shareholding
as of Sep 202655.47%Promoter
Promoters55.47%
FIIs23.19%0.08
DIIs3.07%0.31
Public16.67%0.22
Ownership trend
Peers
5 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| CreditAcc. Gram. | ₹1,023.60 | 10.36 | 16,434 | 0.00% | 502 | +298.67% | 1,904 | +26.21% | 9.98% |
| Satin Creditcare | ₹238.91 | 4.96 | 2,639 | 0.00% | 176 | +230.93% | 926 | +18.61% | 13.84% |
| Muthoot Microfin | ₹134.88 | 9.37 | 2,300 | 0.00% | 81 | +1,216.18% | 669 | +19.69% | 9.31% |
| Fusion Finance | ₹129.24 | 12.42 | 2,093 | 0.00% | 62 | +167.65% | 458 | +3.59% | 5.92% |
| Spandana Sphoort | ₹189.06 | — | 1,993 | 0.00% | 18 | +107.32% | 325 | +41.54% | −5.78% |
| Median: 5 Co. | ₹189.06 | 9.86 | 2,300 | 0.00% | 81 | +230.93% | 669 | +19.69% | 9.31% |
Filings
Annual reports3
Concall transcripts36
TranscriptAug 2026PPTAug 2026RECAug 2026TranscriptMay 2026PPTMay 2026RECMay 2026PPTMay 2026TranscriptFeb 2026PPTFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025PPTNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025RECFeb 2025TranscriptNov 2024PPTNov 2024PPTNov 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 27 OctAnnouncement under Regulation 30 (LODR)-Press Release / Media Release 26 Oct - CareEdge Global raised Muthoot Microfin outlook to Positive and reaffirmed BB- rating; Q2 FY27 AUM reached ₹15,323 crore.Announcement under Regulation 30 (LODR)-Credit Rating 24 Oct - CareEdge reaffirmed Muthoot Microfin's BB- rating and revised outlook to Positive for USD 50 million ECBs.Board Meeting Intimation for 1.To Consider And Approve The Financial Results Of The Company For The Quarter And Half Year Ended September 30, 2026, Along With The Limited Review Report. 2.To Consider Any Other Matter, With The Permission Of The Chairperson. 23 Oct - Board meeting on November 5, 2026 to approve September 30 quarter and half-year results.Asset Liability Management (ALM) statement 15 Oct - Submitted provisional ALM, structural liquidity and interest rate sensitivity statement for September 30, 2026.