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Muthoot Microfin Ltd (MUTHOOTMF.NS)
Kochi, KL, IN
Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. Muthoot Microfin Limited was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited is a subsidiary of Muthoot Fincorp Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.93% | -12.28% | +12.55% | +1.89% | +14.11% | +7.76% | +44.22% | -28.48% | -28.48% | -28.48% | -28.48% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 2 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Financial - Credit Services: +13.2%-58.3% Q4'25: -15.9% (vs Q3'24)
-
EPS growth Financial - Credit Services: +24.0%+143.7% ★ Q4'25: +1.4% (vs Q3'24)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+10.8% Q4'25: +66.0% (vs Q3'24)
-
EBIT margin Financial - Credit Services: +28.7%+11.0% Q4'25: +20.7% (vs Q3'24)
-
ROIC Financial - Credit Services: +5.0%— Q4'25: +3.6% (vs Q3'24)
-
Share dilution Financial - Credit Services: +0.0%+0.2% Q4'25: 0.0% (vs Q3'24)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×— Q4'25: 17.26× (vs Q3'24)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2024 actual |
Dec 2025 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|
| Revenue |
12.06B
est: 17.17B (-29.8%)
|
24.44B
est: 15.32B (+59.5%)
|
10.19B
est: 15.32B (-33.5%)
|
18.86B
18.86B – 18.86B
+23.1% YoY
|
22.62B
22.62B – 22.62B
+20.0% YoY
|
| EBITDA |
6.33B
est: 8.50B (-25.5%)
|
6.83B
est: 7.59B (-9.9%)
|
1.23B
est: 7.59B (-83.8%)
|
9.34B
9.34B – 9.34B
+23.1% YoY
|
11.21B
11.21B – 11.21B
+20.0% YoY
|
| EBIT |
5.98B
est: 8.24B (-27.5%)
|
6.41B
est: 7.36B (-12.9%)
|
1.12B
est: 7.36B (-84.7%)
|
9.05B
9.05B – 9.05B
+23.1% YoY
|
10.86B
10.86B – 10.86B
+20.0% YoY
|
| Net Income |
4.50B
est: -136.49M (+3,394.0%)
|
-2.23B
est: 1.89B (-217.5%)
|
991.47M
est: 1.89B (-47.6%)
|
4.03B
4.03B – 4.03B
+112.6% YoY
|
5.06B
4.45B – 5.67B
+25.6% YoY
|
| SGA |
4.55B
est: 2.58B (+76.5%)
|
564.04M
est: 2.30B (-75.5%)
|
3.07B
est: 2.30B (+33.6%)
|
2.83B
2.83B – 2.83B
+23.1% YoY
|
3.40B
3.40B – 3.40B
+20.0% YoY
|
| EPS |
30.92
est: -0.80 (+3,965.0%)
|
-13.29
est: 11.10 (-219.7%)
|
5.92
est: 11.10 (-46.7%)
|
23.60
23.60 – 23.60
+112.6% YoY
|
29.65
26.08 – 33.22
+25.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-11 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-08 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-07 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-06 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-05 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-04 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-30 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-29 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-28 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-27 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-24 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-23 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-22 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-21 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-20 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-17 | D+ | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 |
| 2026-04-16 | C- | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 1/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.00% | 4.1K | 0.42% |
| 2 | Avantis Emerging Markets Value ETF AVES | 0.00% | 9.5K | 0.36% |
| 3 | Avantis Emerging Markets Equity ETF AVEM | 0.00% | 38.1K | 0.33% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Dileep Kumar Pathak | Chief Internal Auditor | — | male |
| Jinsu Joseph | Chief Risk Officer | — | male |
| Linson Chelamattathil Paul | Chief Technology Officer | — | male |
| Neethu Ajay | Company Secretary & Chief Compliance Officer | — | female |
| Sadaf Sayeed | Chief Executive Officer | — | male |
| Srinivas Vadla | Senior Vice President | — | male |
| Subhransu Pattnayak | EVice President & Chief Human Resource Officer | — | male |
| Thomas Muthoot John | Executive Director | — | male |
| Thoroppady Praveen | Chief Financial Officer | — | male |
| Udeesh Ullas | Chief Operating Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for MUTHOOTMF.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
