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Muthoot Microfin Ltd
(MUTHOOTMF)
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Rating:46Neutral
Price Target:
₹157.00
▼(-13.07% Downside)
Action:Reiterated
Date:10/23/26
The score is driven primarily by uneven financial performance and elevated balance-sheet leverage, alongside a strongly bearish technical setup with the stock below all major moving averages. Valuation is neutral-to-slightly unfavorable (P/E ~27.3) and provides limited offset, especially with no dividend yield data.
Positive Factors
Underserved-market lending model
A focused microfinance model serving underserved households gives the company a defined customer segment and an established lending purpose. Group-based loans, women borrowers, and branch-led distribution can support recurring demand for livelihood and income-generating credit over the medium term.
Negative Factors
Sharp revenue decline and earnings volatility
The steep revenue contraction and wide margin swings indicate that earnings performance is not yet consistently stable. Persistent top-line or margin volatility could weaken the company’s ability to plan growth, absorb fixed operating costs, and sustain profitability across lending cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Underserved-market lending model
A focused microfinance model serving underserved households gives the company a defined customer segment and an established lending purpose. Group-based loans, women borrowers, and branch-led distribution can support recurring demand for livelihood and income-generating credit over the medium term.
Read all positive factors
Muthoot Microfin Ltd (MUTHOOTMF) vs. iShares MSCI India ETF (INDA)
Market Cap
₹24.48B
Dividend YieldN/A
Average Volume (3M)15.52K
Price to Earnings (P/E)24.2
Beta (1Y)1.28
Revenue Growth5.19%
EPS GrowthN/A
CountryIN
Employees15,639
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)5.92
Shares Outstanding170,492,170
10 Day Avg. Volume18,782
30 Day Avg. Volume15,516
Financial Highlights & Ratios
PEG Ratio-0.17
Price to Book (P/B)0.85
Price to Sales (P/S)2.39
P/FCF Ratio3.64
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)20.9
Revenue Forecast (FY)₹18.73B
Muthoot Microfin Ltd Business Overview & Revenue Model
Company Description
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, so...
How the Company Makes Money
Muthoot Microfin primarily makes money by earning interest income and fee-based income from microfinance lending. Its main revenue stream is the interest charged on micro-loans (often structured as joint-liability/group loans), recognized over the...
Muthoot Microfin Ltd Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
44
Neutral
Cash Flow
52
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 10.19B | 24.44B | 12.06B | 14.32B | 3.82B |
| Gross Profit | 6.45B | 23.71B | 12.16B | 6.57B | 3.82B |
| EBITDA | 1.56B | 6.83B | 6.33B | 7.89B | 4.28B |
| Net Income | 991.47M | -2.23B | 4.50B | 1.64B | 473.98M |
Balance Sheet | |||||
| Total Assets | 126.85B | 108.57B | 115.90B | 85.29B | 55.91B |
| Cash, Cash Equivalents and Short-Term Investments | 11.41B | 11.44B | 9.58B | 9.20B | 8.93B |
| Total Debt | 97.07B | 81.01B | 85.24B | 66.23B | 40.88B |
| Total Liabilities | 98.30B | 82.25B | 87.86B | 69.03B | 42.55B |
| Stockholders Equity | 28.54B | 26.32B | 28.04B | 16.26B | 13.37B |
Cash Flow | |||||
| Free Cash Flow | 6.70B | 13.61B | -21.53B | -23.61B | -10.95B |
| Operating Cash Flow | 6.81B | 13.82B | -21.25B | -23.33B | -10.84B |
| Investing Cash Flow | -21.60B | -1.28B | -2.25B | -1.80B | -738.03M |
| Financing Cash Flow | 14.83B | -14.85B | 25.49B | 25.67B | 13.44B |
Muthoot Microfin Ltd Technical Analysis
Negative
180.60
Price Trends
184.64
Negative
202.84
Negative
189.67
Negative
Market Momentum
-11.65
Positive
22.34
Positive
6.83
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MUTHOOTMF, the sentiment is Negative. The current price of 180.6 is above the 20-day moving average (MA) of 164.64, below the 50-day MA of 184.64, and below the 200-day MA of 189.67, indicating a bearish trend. The MACD of -11.65 indicates Positive momentum. The RSI at 22.34 is Positive, neither overbought nor oversold. The STOCH value of 6.83 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MUTHOOTMF.
Muthoot Microfin Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹27.62B | 6.74 | ― | ― | 19.64% | 296.19% | |
63 Neutral | ₹166.80B | 10.49 | ― | 0.76% | 17.44% | 1085.33% | |
59 Neutral | ₹72.66B | 27.19 | ― | 0.13% | 23.67% | 26.77% | |
56 Neutral | ₹26.61B | 64.75 | ― | 0.02% | 29.63% | 83.95% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
46 Neutral | ₹24.48B | 24.17 | ― | ― | 5.19% | ― | |
40 Underperform | ₹17.59B | -4.68 | ― | ― | -46.58% | 78.01% |
* General Sector Average
IN:MUTHOOTMF
Muthoot Microfin Ltd
143.60
-25.45
-15.05%
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Muthoot Microfin Ltd Corporate Events
Muthoot Microfin Files Provisional ALM Statement for August 2026
Sep 15, 2026
Muthoot Microfin Ltd has submitted its provisional Asset Liability Management statement for the month ended 31 August 2026 to the BSE and NSE in compliance with a SEBI circular issued in October 2025. The disclosure outlines the company’s fu...
Muthoot Microfin Raises ₹250 Crore via NCDs to Support Growth and Lower Funding Costs
Sep 15, 2026
Muthoot Microfin Ltd. has raised ₹250 crore via a private placement of listed, rated, secured and redeemable non-convertible debentures, which will be listed on BSE Limited. The issuance comprises 2,50,000 debentures of ₹10,000 each, w...
Muthoot Microfin Raises ₹35 Crore via Top-Rated Commercial Paper Issue
Aug 5, 2026
Muthoot Microfin Limited has raised ₹35 crore through the allotment of commercial paper, issued on August 5, 2026, and maturing on February 1, 2027. The 180-day instrument, carrying a discounted amount of ₹33.57 crore and priced at ...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.