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Swing Capital

Muthoot Microfin Ltd

NSE: MUTHOOTMF BSE: 544055

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]

₹177
52W: ₹124 — ₹219
PE 17.8 · Book ₹167 · +6% vs book
Market Cap₹3,023 Cr
Stock P/E17.8Price to Earnings
ROCE9.3%Return on Capital
ROE6.21%Return on Equity
Div. Yield0%Face Value ₹10

Strengths

  • +Stock is trading at 1.06 times its book value

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 5.18% over last 3 years.

Shareholding Pattern

Promoters55.47%
FIIs22.81%
DIIs3.51%
Public16.61%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters55.47%55.47%55.47%55.47%55.47%55.47%55.47%55.47%
FIIs26.55%25.85%▼0.725.79%▼0.125.46%▼0.323.4%▼2.123.25%▼0.123.17%▼0.122.81%▼0.4
DIIs2.28%2.57%▲0.32.44%▼0.12.32%▼0.12.49%▲0.22.84%▲0.33.03%▲0.23.51%▲0.5
Public13.96%14.38%▲0.414.56%▲0.215.05%▲0.516.95%▲1.916.74%▼0.216.64%▼0.116.61%▼0.0

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses208227273334428845333318304300
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit125120113624-4016316271
EPS ₹7.317.026.643.610.22-23.530.361.793.664.17

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 3.51% (+0.71pp change). FIIs: 22.81% (-4.78pp change). Promoters hold 55.47%.

Margin & Efficiency

ROCE improving from 0% (Mar 2019) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 17.8x with 9.3% ROCE. Price is 6% above book value of ₹167. Dividend yield: 0%.

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