Muthoot Microfin Limited

Web: muthootmicrofin.com NSE: MUTHOOTMF BSE: 544055 SECTOR: Financial Services - Finance

243 8(-3%)

Near 52W High of 257

Volume

2L as on 23, Jun

Open

183

High

186

Low

182

250

VWAP

203

52 Week High

257

52 Week Low

141

Viand Research Rating

Quality Score

40/100

Growth Score

40/100

Valuation Score

50/100

Momentum Score

45/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

4,135

No. of Shares

P/E

7.79

P/B

1.09

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

13.97

ROCE

Profit Growth

Listing Date

26-Dec-23

Promoter Holding

55.47%

FII Holding

22.81%

DII Holding

3.51%

Price Chart

Price Performance

1 Week3%

1 Month12%

3 Months35%

6 Months29%

1 Year29%

YTD29%

Moving Average

5 Day SMA204

10 Day SMA198

20 Day SMA189

30 Day SMA186

50 Day SMA188

61 Day SMA182

80 Day SMA0

200 Day SMA0

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	218	206	214	217
Resistance 2	214	205	210	213
Resistance 1	209	204	208	208
Pivot Point	205	203	205	204
Support 1	200	203	201	199
Support 2	196	202	199	196
Support 3	191	201	196	190

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023
Promoters	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%	(0.01) 55.47%
FIIs	(-0.41) 22.81%	(-0.11) 23.17%	(-0.11) 23.25%	(-2.11) 23.40%	(-0.31) 25.46%	(-0.11) 25.79%	(-0.71) 25.85%	(0.31) 26.55%	(-1.31) 26.28%	(0.01) 27.59%
DIIs	(0.51) 3.51%	(0.21) 3.03%	(0.41) 2.84%	(0.21) 2.49%	(-0.11) 2.32%	(-0.11) 2.44%	(0.31) 2.57%	(-0.11) 2.28%	(-0.51) 2.35%	(0.01) 2.80%
Public	16.61%	16.64%	16.74%	16.95%	15.05%	14.56%	14.38%	13.96%	14.01%	12.11%
No. of Shareholders	140,500	145,494	152,290	158,221	158,976	161,655	162,575	170,261	186,088	215,098

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022
Sales	632	603	576	559	555	681	662	663	643	577	564	479	444	380	334
Sales Growth % (YoY)	13.8%	-11.4%	-13%	-15.8%	-13.7%	18%	17.5%	38.6%	44.9%	51.7%	68.9%	-	-	-	-
Sales Growth % (QoQ)	4.8%	4.7%	3%	0.7%	-18.5%	2.9%	-0.2%	3.1%	11.4%	2.3%	17.7%	7.9%	16.8%	13.8%	-
Expenses	300	304	318	333	845	428	334	273	227	208	189	150	146	152	207
Operating Profit	101	77	47	16	-512	15	91	156	185	137	153	135	130	228	127
OPM %	16	13	8	3	-92	2	14	24	29	24	27	28	29	60	38
Other Income	7	3	1	0	1	1	1	0	2	2	2	1	4	3	7
Interest	232	222	211	210	222	237	237	234	231	232	221	194	168	155	121
Depreciation	11	10	11	11	11	11	11	10	10	9	9	8	7	7	6
Profit before tax	97	69	37	6	-522	5	81	147	177	130	147	128	126	70	6
Tax %	27	10	18	-7	-23	25	24	23	32	4	25	25	25	18	26
Net Profit	71	62	31	6	-401	4	62	113	120	125	110	96	95	57	5
Net Profit Growth % (QoQ)	14.5%	100%	416.7%	101.5%	-10125%	-93.5%	-45.1%	-5.8%	-4%	13.6%	14.6%	1.1%	66.7%	1040%	-
Net Profit Growth % (YoY)	117.7%	1450%	-50%	-94.7%	-434.2%	-96.8%	-43.6%	17.7%	26.3%	119.3%	2100%	-	-	-	-
TTM Net Profit	170	-302	-360	-329	-222	299	420	468	451	426	358	253	157	62	0
EPS in Rs	4.17	3.66	1.79	0.36	-23.53	0.22	3.61	6.64	7.02	7.31	9.38	8.19	8.09	4.87	0.39

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Sales	2370	2562	2249	1429	833	684	860	748
Sales Growth %	-7.5%	13.9%	57.4%	71.6%	21.7%	-20.4%	15%	-
Expenses	1254	1880	772	658	417	369	543	243
Operating Profit	241	-248	611	222	75	16	27	271
OPM %	10	-10	27	16	9	2	3	36
Other Income	11	2	6	17	10	12	6	2
Interest	874	930	866	549	340	299	291	234
Depreciation	43	43	35	27	21	19	14	3
Profit before tax	209	-289	582	213	65	9	20	271
Tax %	18	-23	23	23	27	22	8	26
Net Profit	170	-223	450	164	47	7	18	201
Net Profit Growth %	176.2%	-149.6%	174.4%	248.9%	571.4%	-61.1%	-91%	-
EPS in Rs	9.99	-13.05	26.37	14.03	4.15	0.62	1.59	17.63
Dividend Payout %	0	0	0	0	0	0	0	0

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Cash from Operating Activity	-580	1382	-1272	-2333	-1084	-704	114	-602
Cash from Investing Activity	-41	-128	-225	-180	-74	-38	-66	-6
Cash from Financing Activity	626	-1485	1671	2567	1344	80	463	707
Net Cash Flow	4	-230	174	54	187	-662	511	99

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Sep 2024	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019
Equity Capital	168	168	168	170	167	117	114	114	114	114
Reserves	2687	2534	2465	2830	2637	1486	1203	776	793	772
Borrowings	0	8653	0	8576	0	0	0	0	0	0
Other Liabilities	123	138	123	109	197	280	167	200	187	193
Total Liabilities	12685	11493	10857	11686	11590	8529	5591	4184	4092	3530
Fixed Assets	199	209	223	216	215	172	121	110	109	21
CWIP	0	0	0	0	0	0	0	0	0	1
Investments	406	441	354	226	47	63	0	0	0	0
Other Assets	12080	10842	10280	11244	11329	8294	5470	4074	3983	3509
Total Assets	12685	11493	10857	11686	11590	8529	5591	4184	4092	3530

Delivery

#	Date	172 50% 257	Value (Cr)	Q/T 76	Del 38	Del 19
1	22-Jul	250	14	57	34	5
2	21-Jul	254	12	49	40	5
3	20-Jul	253	31	72	44	14
4	17-Jul	240	7	49	47	3
5	16-Jul	244	15	75	45	7
6	15-Jul	246	20	68	38	8
7	14-Jul	239	15	62	36	5
8	13-Jul	246	104	73	21	22
9	10-Jul	235	461	117	8	38
10	9-Jul	210	6	47	57	3
11	8-Jul	206	5	39	55	3
12	7-Jul	213	3	40	46	1
13	6-Jul	215	9	60	53	5
14	3-Jul	221	24	64	45	11
15	2-Jul	216	7	59	48	3
16	1-Jul	220	17	60	43	7
17	30-Jun	214	9	68	55	5
18	29-Jun	208	3	41	52	2
19	25-Jun	211	6	51	50	3
20	24-Jun	214	14	75	57	8
21	23-Jun	201	4	45	43	2
22	22-Jun	203	8	75	49	4
23	19-Jun	204	8	67	47	4
24	18-Jun	207	5	55	57	3
25	17-Jun	205	5	53	46	2
26	16-Jun	206	27	74	49	13
27	15-Jun	195	7	61	63	4
28	12-Jun	188	4	75	68	3
29	11-Jun	181	3	47	43	1
30	10-Jun	186	5	70	39	2
31	9-Jun	183	3	61	55	2
32	8-Jun	180	3	49	50	1
33	5-Jun	182	2	48	38	1
34	4-Jun	181	5	72	40	2
35	3-Jun	180	5	92	66	4
36	2-Jun	180	7	75	56	4
37	1-Jun	174	15	108	61	9
38	29-May	180	4	50	49	2
39	27-May	178	5	70	51	3
40	26-May	178	2	43	61	1
41	25-May	179	6	64	56	3
42	22-May	180	2	41	52	1
43	21-May	181	3	48	46	1
44	20-May	180	3	47	39	1
45	19-May	181	3	34	42	1
46	18-May	177	7	37	44	3
47	15-May	181	4	61	37	1
48	14-May	184	6	59	29	2

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	4,135c	136c	3.18
22-Jul	4,271c	76c	1.75
21-Jul	4,347c	290c	7.13
17-Jul	4,058c	88c	2.11
16-Jul	4,145c	45c	1.08
15-Jul	4,191c	109c	2.67
14-Jul	4,082c	140c	3.31
13-Jul	4,221c	368c	9.56
10-Jul	3,853c	271c	7.56
09-Jul	3,582c	36c	1.01
08-Jul	3,546c	77c	2.12
07-Jul	3,623c	111c	2.96
06-Jul	3,734c	9c	0.25
02-Jul	3,724c	43c	1.13
01-Jul	3,767c	117c	3.20
30-Jun	3,650c	92c	2.60
29-Jun	3,558c	31c	0.86
26-Jun	3,589c	15c	0.42
25-Jun	3,604c	53c	1.45
24-Jun	3,657c	247c	7.25
23-Jun	3,410c	21c	0.60
22-Jun	3,430c	96c	2.71
19-Jun	3,526c	31c	0.88
17-Jun	3,495c	34c	0.96
16-Jun	3,529c	188c	5.63
15-Jun	3,341c	119c	3.68
12-Jun	3,222c	95c	3.03
11-Jun	3,128c	42c	1.35
10-Jun	3,086c	0	0

Stock Checklist

Price is above from 52 week high low average: 75%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: NO

Mutual Fund Holdings

Held by 7 fund scheme(s) across 3 fund house(s) as of Jul26 · Total value ₹91 Cr · 0 increasing / 0 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
Nippon India Mutual Fund	3	2.48%	-	88.5
Groww Mutual Fund	2	1.61%	-	2.2
Motilal Oswal Mutual Fund	2	0.00%	-	0

Muthoot Microfin Limited

Price Chart

Price Performance

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Shareholding Pattern (%)

Quarterly Results

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Cash Flows

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