Muthoot Microfin Ltd

Muthoot Microfin Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Muthoot Microfin Ltd

₹ 235 -0.06%
26 Sep - close price
muthootmicrofin.com BSE: 544055 NSE: MUTHOOTMF
About

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]

Key Points

Market Share[1] Muthoot Microfin is the 5th largest NBFC-MFI in India in terms of gross loan portfolio as of FY23. They are also 3rd largest among NBFC-MFIs in South India in terms of gross loan portfolio, largest in Kerala, and have 16% market share in Tamil Nadu

Website BSE NSE
  • Market Cap ₹ 4,009 Cr.
  • Current Price ₹ 235
  • High / Low ₹ 281 / 196
  • Stock P/E 8.58
  • Book Value ₹ 164
  • Dividend Yield 0.00 %
  • ROCE 15.0 %
  • ROE 20.4 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.9% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024
Revenue 334 380 444 479 564 581 647 638
Interest 121 155 168 194 221 234 234 237
207 152 146 150 191 212 233 247
Financing Profit 6 74 130 135 152 135 181 153
Financing Margin % 2% 19% 29% 28% 27% 23% 28% 24%
7 3 4 1 3 4 7 3
Depreciation 6 7 7 8 9 9 10 10
Profit before tax 6 70 126 128 147 130 177 147
Tax % 26% 18% 25% 25% 25% 4% 32% 23%
5 57 95 96 110 125 120 113
EPS in Rs 0.39 4.87 8.09 8.19 9.38 7.31 7.02 6.64
Gross NPA % 2.75%
Net NPA % 0.51%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 748 684 833 1,429 2,271 2,429
Interest 234 299 340 549 883 926
243 369 417 658 785 883
Financing Profit 271 16 75 222 602 621
Financing Margin % 36% 2% 9% 16% 27% 26%
2 12 10 17 15 17
Depreciation 3 19 21 27 35 38
Profit before tax 271 9 65 213 582 600
Tax % 26% 22% 27% 23% 23%
201 7 47 164 450 467
EPS in Rs 17.63 0.62 4.15 14.03 26.37 30.35
Dividend Payout % -0% -0% -0% -0% -0%
Compounded Sales Growth
10 Years: %
5 Years: 25%
3 Years: 49%
TTM: 48%
Compounded Profit Growth
10 Years: %
5 Years: 17%
3 Years: 300%
TTM: 86%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 14%
Last Year: 20%

Balance Sheet

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 114 114 114 117 170
Reserves 772 776 1,203 1,486 2,634
2,451 3,094 4,107 6,646 8,524
193 200 167 280 262
Total Liabilities 3,530 4,184 5,591 8,529 11,590
21 110 121 172 215
CWIP 1 -0 -0 -0 -0
Investments -0 0 0 63 47
3,509 4,074 5,470 8,294 11,329
Total Assets 3,530 4,184 5,591 8,529 11,590

Cash Flows

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-602 -704 -1,084 -2,333 -2,125
-6 -38 -74 -180 -225
707 80 1,344 2,567 2,549
Net Cash Flow 99 -662 187 54 198

Ratios

Figures in Rs. Crores

Mar 2019 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 4% 11% 20%

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024
55.47% 55.47% 55.47%
27.59% 26.28% 26.55%
2.80% 2.35% 2.28%
12.11% 14.01% 13.96%
2.03% 1.89% 1.74%
No. of Shareholders 2,15,0981,86,0881,70,261

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

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