MUTHOOTMF

Muthoot Microfin Limited

Microfinance institution of Muthoot Pappachan Group for inclusive finance to underserved borrowers

Financial Services›Financial Services›Finance›Microfinance Institutions

muthootmicrofin.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹174.72
Market cap
2,930 Cr
Stock P/E
11.9
P/B
1.03
ROE (FY26)
6.0%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Muthoot Microfin is an Indian microfinance lender that makes small loans mainly to rural borrowers through joint-liability groups (JLG), and is adding individual loans, gold loans and consumer durable loans for its existing customers.

Company snapshot

2ndBy market cap

Ranked among 5 companies in Microfinance Institutions.

What we see

Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
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Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricDec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income———————————
Other income4 Cr7 Cr3 Cr0.62 Cr0.66 Cr1 Cr0.44 Cr1 Cr0.24 Cr7 Cr2 Cr
Net operating income4 Cr7 Cr3 Cr0.62 Cr0.66 Cr1 Cr0.44 Cr1 Cr0.24 Cr7 Cr2 Cr
Employee cost114 Cr125 Cr129 Cr133 Cr137 Cr142 Cr152 Cr155 Cr148 Cr149 Cr162 Cr
Other expenses38 Cr33 Cr36 Cr38 Cr39 Cr45 Cr42 Cr46 Cr43 Cr49 Cr49 Cr
Provisions & contingencies———————————
Depreciation9 Cr10 Cr10 Cr11 Cr11 Cr11 Cr11 Cr11 Cr10 Cr11 Cr11 Cr
Profit before tax130 Cr177 Cr147 Cr81 Cr5 Cr-522 Cr6 Cr37 Cr69 Cr97 Cr107 Cr
Tax %4.1%32.5%22.7%24.1%25.0%23.1%-7.3%17.8%9.6%26.6%23.7%
Net profit125 Cr120 Cr113 Cr62 Cr4 Cr-401 Cr6 Cr31 Cr62 Cr71 Cr81 Cr
EPS (₹)₹8.61₹7.02₹6.64₹3.61₹0.22₹-23.54₹0.37₹1.82₹3.73₹4.24₹4.85

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income——————Sign in free for the trailing twelve months
Other income12 Cr10 Cr18 Cr15 Cr3 Cr11 CrSign in free for the trailing twelve months
Net operating income12 Cr10 Cr18 Cr15 Cr3 Cr11 CrSign in free for the trailing twelve months
Employee cost187 Cr237 Cr323 Cr449 Cr534 Cr604 CrSign in free for the trailing twelve months
Other expenses40 Cr51 Cr84 Cr127 Cr165 Cr182 CrSign in free for the trailing twelve months
Provisions & contingencies——————Sign in free for the trailing twelve months
Depreciation19 Cr21 Cr27 Cr35 Cr43 Cr43 CrSign in free for the trailing twelve months
Profit before tax9 Cr65 Cr213 Cr582 Cr-289 Cr209 CrSign in free for the trailing twelve months
Tax %22.1%26.8%23.0%22.7%23.0%18.5%Sign in free for the trailing twelve months
Net profit7 Cr47 Cr164 Cr450 Cr-223 Cr170 CrSign in free for the trailing twelve months
EPS (₹)₹0.62₹4.15₹14.19₹30.20₹-13.29₹10.16Sign in free for the trailing twelve months
Dividend payout %———0.0%—0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital114 Cr133 Cr140 Cr170 Cr168 Cr168 Cr
Reserves776 Cr1,203 Cr1,486 Cr2,634 Cr2,465 Cr2,687 Cr
Borrowings3,016 Cr3,997 Cr6,493 Cr8,359 Cr7,926 Cr9,547 Cr
Other liabilities278 Cr258 Cr410 Cr427 Cr298 Cr283 Cr
Total liabilities4,184 Cr5,591 Cr8,529 Cr11,590 Cr10,857 Cr12,685 Cr
Fixed assets (net)40 Cr42 Cr59 Cr73 Cr77 Cr69 Cr
CWIP———0 Cr0 Cr0 Cr
Investments0.04 Cr0.04 Cr63 Cr47 Cr354 Cr406 Cr
Loans & advances———9,436 Cr8,740 Cr10,396 Cr
Trade receivables9 Cr17 Cr72 Cr0 Cr22 Cr25 Cr
Cash & bank519 Cr706 Cr759 Cr958 Cr697 Cr701 Cr
Other assets3,616 Cr4,827 Cr7,575 Cr1,077 Cr966 Cr1,087 Cr
Total assets4,184 Cr5,591 Cr8,529 Cr11,590 Cr10,857 Cr12,685 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-704 Cr-1,084 Cr-2,333 Cr-2,125 Cr1,382 Cr-580 Cr
Cash from investing-38 Cr-74 Cr-180 Cr-225 Cr-128 Cr-41 Cr
Cash from financing80 Cr1,344 Cr2,567 Cr2,549 Cr-1,485 Cr626 Cr
Net cash flow-662 Cr187 Cr54 Cr198 Cr-230 Cr4 Cr
Free cash flow (OCF − Capex)-712 Cr-1,095 Cr-2,361 Cr-2,153 Cr1,361 Cr-591 Cr

Ratios

MetricMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0.8%3.5%10.1%16.0%-8.5%6.0%
Debt / equity3.392.993.992.983.013.34