Muthoot Microfin Limited
Muthoot Microfin Limited operates in Microfinance Institutions, part of the Financial Services sector. It booked ₹669 cr of revenue in its latest quarter (Q1 FY27) and kept 12.2% of sales as profit. It is the 2nd largest of 5 Microfinance Institutions companies we track, by market value.
“The Company is engaged in the business of providing unsecured micro finance facilities to women having limited source of income, savings and credit histories repayable in weekly or monthly instalments.”
Healthier than 56% of companies in Financial Services, on the 4 of 6 measures we could read for it. Each measure is ranked against the 187–250 companies that reported it.
Measures financial condition, not whether to buy. Learn what this score means · How this is calculated
- RSI (14)
- 30
At close. Not part of the score.
How much profit it earns on the money it employs
Whether reported profit actually arrives as cash
What today's price implies, against our models or its peers
How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure
Not measurable for this company: balance sheet, growth & consistency. Those pillars are left out of the score rather than counted as zero.
What if I invest in MUTHOOTMF?
Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.
The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.
P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.
An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.
| Revenue from Operations | ₹669 cr |
| Other Income | ₹2 cr |
| Total Income | ₹671 cr |
| Cost of Materials | ₹0 cr |
| Purchases of Stock-in-Trade | ₹0 cr |
| Employee Benefit Expense | ₹162 cr |
| Finance Costs | ₹247 cr |
| Depreciation & Amortisation | ₹11 cr |
| Other Expenses | ₹49 cr |
| Total Expenses | ₹564 cr |
| Profit before Tax | ₹107 cr |
| Tax Expense | ₹25 cr |
| Net Profit | ₹81 cr |
| Net margin on total income | 12.1% |
| Metric | Q3 FY26 | Q4 FY26 | Q1 FY27 |
|---|---|---|---|
| Revenue | 603 cr | 632 cr | 669 cr |
| Total income | 605 cr | 639 cr | 671 cr |
| Expenses | 536 cr | 542 cr | 564 cr |
| Profit before tax | 69 cr | 97 cr | 107 cr |
| Tax | 7 cr | 26 cr | 25 cr |
| Net profit (owners' share) | 62 cr | 71 cr | 81 cr |
| Net margin (owners' share, on revenue) | 10.4% | 11.3% | 12.2% |
| EPS (₹) | 3.73 | 4.24 | 4.85 |
| Company | Price | Market cap | P/E | ROE | Net margin | 1-yr return |
|---|---|---|---|---|---|---|
| CREDITACCESS GRAMEEN LIMITED | ₹1,371 | ₹21,968 cr | 11.1 | 25.2% | 27.7% | — |
| Muthoot Microfin Limitedthis company | ₹188 | ₹3,155 cr | 9.7 | 11.4% | 12.2% | — |
| Fusion Finance Limited | ₹184 | ₹2,980 cr | 11.9 | 10.2% | 13.6% | — |
| Satin Creditcare Network Limited | ₹220 | ₹2,421 cr | 4.9 | 17.1% | 16.1% | — |
| Spandana Sphoorty Financial Limited | ₹227 | ₹1,815 cr | 38.1 | 2.2% | 4.2% | — |
A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.
Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.
Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.
Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.