Muthoot Microfin Limited
NSE: MUTHOOTMF · Microfinance Institutions
Snapshot
Unlock Muthoot Microfin Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Muthoot Microfin Limited is a non-deposit taking non-banking financial company that provides micro-loans primarily to women entrepreneurs in rural India. The company offers a diverse portfolio including income-generating loans, product loans for household appliances, and sanitation improvement financing.
Business Model
The company generates revenue primarily through interest income on micro-loans and fees from value-added services such as insurance products. It operates as a subsidiary of Muthoot Fincorp Limited, leveraging established financial infrastructure to serve the underbanked population.
Growth Outlook
Growth is driven by the expansion of micro-credit penetration in rural regions and the cross-selling of value-added services to existing borrowers. The company continues to diversify its product suite to include small and growing business loans to support entrepreneurial development.
Key Risks
- Credit Risk. The company faces significant exposure to default risks as its primary borrower base consists of low-income individuals with limited credit histories.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations regarding microfinance interest rate caps and operational guidelines could impact profitability.
- Geopolitical and Economic Risk. Rural economic downturns or adverse weather conditions affecting agricultural output can severely impact the repayment capacity of the company's target demographic.
- Interest Rate Risk. Fluctuations in the cost of funds and interest rate volatility may compress net interest margins given the competitive nature of the microfinance sector.
Price
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Key Metrics
REVENUE
₹2,370 Cr
TTM · standalone
NET PROFIT
₹170 Cr
TTM · standalone
EPS
₹10.16
TTM · standalone
RETURN ON EQUITY
6.3%
TTM · standalone
P/E
24.0x
Q4 FY26 · standalone
NET PROFIT MARGIN
11.3%
Q4 FY26 · standalone
Peers · Microfinance Institutions
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Muthoot Microfin LimitedMUTHOOTMF | 2,649 | 24.02 | — | -6.7% | 47.5% | 6.3% | — | +46.5% |
CreditAccess Grameen Ltd.CREDITACC | 18,472 | 30.76 | 16.18 | 5.3% | 49.4% | 10.8% | 19.7% | +15.3% |
Fusion FinanceFUSION | 2,388 | -221.08 | — | -27.1% | 28.7% | 0.8% | — | +16.1% |
Spandana SphoortSPANDANA | 1,598 | -3.19 | — | -56.7% | -37.1% | -27.9% | — | -1.3% |
Satin CreditcareSATIN | 1,555 | 8.81 | — | 21.9% | 56.3% | 12.7% | 32.6% | +61.0% |
As of Q4 FY26
Financials
Muthoot Microfin Limited
NSE: MUTHOOTMF · Microfinance Institutions
Snapshot
Unlock Muthoot Microfin Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Muthoot Microfin Limited is a non-deposit taking non-banking financial company that provides micro-loans primarily to women entrepreneurs in rural India. The company offers a diverse portfolio including income-generating loans, product loans for household appliances, and sanitation improvement financing.
Business Model
The company generates revenue primarily through interest income on micro-loans and fees from value-added services such as insurance products. It operates as a subsidiary of Muthoot Fincorp Limited, leveraging established financial infrastructure to serve the underbanked population.
Growth Outlook
Growth is driven by the expansion of micro-credit penetration in rural regions and the cross-selling of value-added services to existing borrowers. The company continues to diversify its product suite to include small and growing business loans to support entrepreneurial development.
Key Risks
- Credit Risk. The company faces significant exposure to default risks as its primary borrower base consists of low-income individuals with limited credit histories.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations regarding microfinance interest rate caps and operational guidelines could impact profitability.
- Geopolitical and Economic Risk. Rural economic downturns or adverse weather conditions affecting agricultural output can severely impact the repayment capacity of the company's target demographic.
- Interest Rate Risk. Fluctuations in the cost of funds and interest rate volatility may compress net interest margins given the competitive nature of the microfinance sector.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Muthoot Microfin Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹2,370 Cr
TTM · standalone
NET PROFIT
₹170 Cr
TTM · standalone
EPS
₹10.16
TTM · standalone
RETURN ON EQUITY
6.3%
TTM · standalone
P/E
24.0x
Q4 FY26 · standalone
NET PROFIT MARGIN
11.3%
Q4 FY26 · standalone
Peers · Microfinance Institutions
As of Q4 FY26