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.
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Key Metrics
REVENUE
₹2,480 Cr
TTM · standalone
NET PROFIT
₹245 Cr
TTM · standalone
EPS
₹14.64
TTM · standalone
RETURN ON EQUITY
8.9%
TTM · standalone
P/E
14.0x
Q1 FY27 · standalone
EBITDA MARGIN
51.0%
TTM · standalone
NET PROFIT MARGIN
12.2%
Q1 FY27 · standalone
Peers · Microfinance Institutions
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Muthoot Microfin LimitedMUTHOOTMF | ₹3,500 Cr | 14.02 | — | 0.8% | 51.0% | 8.9% | — | +21.9% |
CreditAccess Grameen Ltd.CREDITACC | ₹23,125 Cr | 19.08 | — | 11.9% | 57.1% | 16.4% | 24.0% | +6.4% |
Fusion FinanceFUSION | ₹3,285 Cr | 19.77 | — | -17.0% | 37.3% | 8.2% | — | +19.7% |
Satin Creditcare Network LimitedSATIN | ₹2,439 Cr | 5.93 | — | 20.5% | 57.0% | 15.2% | 89.1% | +50.7% |
Spandana Sphoorty Financial LimitedSPANDANA | ₹1,710 Cr | -5.64 | — | -48.5% | 7.4% | -13.7% | — | -9.0% |
As of Q1 FY27
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.
Start your research today
Unlock AI insights, financials, peers and live data on Muthoot Microfin Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹2,480 Cr
TTM · standalone
NET PROFIT
₹245 Cr
TTM · standalone
EPS
₹14.64
TTM · standalone
RETURN ON EQUITY
8.9%
TTM · standalone
P/E
14.0x
Q1 FY27 · standalone
EBITDA MARGIN
51.0%
TTM · standalone
NET PROFIT MARGIN
12.2%
Q1 FY27 · standalone
Peers · Microfinance Institutions
As of Q1 FY27