Muthoot Microfin Ltd Stock Price Today (NSE: MUTHOOTMF)
Fundamental Score
Muthoot Microfin Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Muthoot Microfin Ltd share price today is ₹145.69, down 7.11% on NSE/BSE as of 30 March 2026. Muthoot Microfin Ltd (MUTHOOTMF) is a Small-cap company in the Microfinance Institutions sector with a market capitalisation of ₹3.20K (Cr). The 52-week high for MUTHOOTMF share price is ₹199.39 and the 52-week low is ₹120.00. The company has a Return on Equity (ROE) of -8.19% and a debt-to-equity ratio of 3.20.
Muthoot Microfin Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Muthoot Microfin Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
A Conservative Look at Muthoot Microfin Share Price
Microfinance institutions (MFIs) operate in a sector particularly vulnerable to external shocks. Economic downturns and localized crises can significantly impact repayment rates, creating substantial risk. This analysis examines the current standing of Muthoot Microfin share price, currently trading at ₹180.72, from a conservative, value-oriented perspective focused on capital preservation.
A critical factor for value investors is profitability, measured by Return on Capital Employed (ROCE). Muthoot Microfin's ROCE of 5.8% warrants careful consideration. This relatively low ROCE, compared to peers in other sectors, suggests a limited economic moat. A strong moat protects profitability; a weaker one exposes the company to competitive pressures and vulnerability if interest rate spreads are narrowed.
We observe that the company's valuation ratios, particularly the Price-to-Earnings (PE) ratio, are currently unavailable. This lack of a PE ratio makes it difficult to assess the market's expectations for future earnings growth and adds another layer of uncertainty. Furthermore, judging from publicly available information, while we don't have specific insights into
Fusion Finance Ltd's management quality, the quality of Muthoot Microfin's leadership is paramount for navigating the complexities of the microfinance landscape and maintaining asset quality.This observational analysis is part of a comprehensive, 80-parameter fundamental audit, meticulously verified by Sweta Mishra. It aims to provide a factual assessment of Muthoot Microfin's financial health, focusing on key value investing principles like profitability, capital allocation, and business resilience. Investors are advised to conduct their own independent research and consult with financial advisors before making any investment decisions. It is important to carefully study company fillings and public reports.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Muthoot Microfin Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of MUTHOOTMF across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (47.19%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (24.39% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Balanced Promoter Holding (55.47%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment.
Strong Institutional Confidence (FII+DII: 26.09%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
8 factors identified
Below-Average Return on Equity (-8.19%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (5.80%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-50.46%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Revenue Contraction (-12.99%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions.
Elevated Debt Levels (D/E: 3.20)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (0.46x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-4106.05 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Muthoot Microfin Ltd Financial Statements
Comprehensive financial data for Muthoot Microfin Ltd including income statement, balance sheet and cash flow
About MUTHOOTMF (Muthoot Microfin Ltd)
Muthoot Microfin Ltd is a prominent player in India's microfinance sector, dedicated to empowering women entrepreneurs in underserved rural communities. The institution operates as... a non-deposit taking non-banking financial company, focusing on providing crucial financial access to those excluded from traditional banking systems. Muthoot Microfin's core mission revolves around fostering economic independence and improving the quality of life for its clients by offering a diverse range of loan products tailored to their specific needs. These offerings extend beyond basic financial support, encompassing services that cater to a holistic approach to development. The company's loan portfolio includes income-generating loans designed to fuel business growth, Pragathi loans aimed at progressive development, and individual loans to meet specific needs. Furthermore, Muthoot Microfin provides specialized loan programs for essential goods like education, mobile phones, solar lighting, and household appliances. These specialized loans enhance living standards and create opportunities for future advancement. Recognizing the importance of sanitation and housing, the company also provides sanitation improvement loans and secured loans. The organization is focused on offering financial support to promote financial inclusion in all aspects of a woman's life. Beyond core lending activities, Muthoot Microfin extends its commitment to client well-being by offering value-added services like wellness combos and property insurance. This demonstrates a dedication to not only financial empowerment but also safeguarding the health and assets of its clientele. Formerly known as Panchratna Securities, Muthoot Microfin has evolved into a leading microfinance institution, driven by a strong social mission and a deep understanding of the financial needs of rural women. The firm is committed to transforming lives and contributing to the economic progress of India's rural landscape.
Company Details
Key Leadership
MUTHOOTMF Share Price: Frequently Asked Questions
What is the current share price of Muthoot Microfin Ltd (MUTHOOTMF)?
As of 30 Mar 2026, 12:02 pm IST, Muthoot Microfin Ltd share price is ₹145.69. The MUTHOOTMF stock has a market capitalisation of ₹3.20K (Cr) on NSE/BSE.
Is MUTHOOTMF share price Overvalued or Undervalued?
MUTHOOTMF share price is currently trading at a P/E ratio of 0.00x, compared to the industry average of 85.57x. Based on this relative valuation, the Muthoot Microfin Ltd stock appears to be Fairly Valued against its sector peers.
What is the 52-week high and low of MUTHOOTMF share price?
The 52-week high of MUTHOOTMF share price is ₹199.39 and the 52-week low is ₹120.00. These values are updated daily from NSE/BSE price data.
What factors affect the Muthoot Microfin Ltd share price?
Key factors influencing MUTHOOTMF share price include quarterly earnings growth (Sales Growth: -12.99%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Muthoot Microfin Ltd a good stock for long-term investment?
Muthoot Microfin Ltd shows a 5-year Profit Growth of N/A% and an ROE of -8.19%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.20 before investing in MUTHOOTMF shares.
How does Muthoot Microfin Ltd compare with its industry peers?
Muthoot Microfin Ltd competes with major peers in the Microfinance Institutions. Investors should compare MUTHOOTMF share price P/E of 0.00x and ROE of -8.19% against the industry averages to determine competitive standing.
What is the P/E ratio of MUTHOOTMF and what does it mean?
MUTHOOTMF share price has a P/E ratio of N/Ax compared to the industry average of 85.57x. Investors pay ₹N/A for every ₹1 of annual earnings.
How is MUTHOOTMF performing according to Bull Run's analysis?
MUTHOOTMF has a Bull Run fundamental score of 18.5/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does MUTHOOTMF belong to?
MUTHOOTMF operates in the Microfinance Institutions industry. This classification helps understand the competitive landscape and sector-specific trends affecting Muthoot Microfin Ltd share price.
What is Return on Equity (ROE) and why is it important for MUTHOOTMF?
MUTHOOTMF has an ROE of -8.19%, which suggests challenges in generating returns from shareholders equity. ROE measures how efficiently Muthoot Microfin Ltd generates profits from shareholders capital.
How is MUTHOOTMF debt-to-equity ratio and what does it indicate?
MUTHOOTMF has a debt-to-equity ratio of 3.20, which indicates high leverage that increases financial risk.
What is MUTHOOTMF dividend yield and is it a good dividend stock?
MUTHOOTMF offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Muthoot Microfin Ltd shares.
How has MUTHOOTMF share price grown over the past 5 years?
MUTHOOTMF has achieved 5-year growth rates of: Sales Growth 24.39%, Profit Growth N/A%, and EPS Growth N/A%.
What is the promoter holding in MUTHOOTMF and why does it matter?
Promoters hold 55.47% of MUTHOOTMF shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Muthoot Microfin Ltd.
What is MUTHOOTMF market capitalisation category?
MUTHOOTMF has a market capitalisation of ₹3200 crores, placing it in the Small-cap category.
How volatile is MUTHOOTMF stock?
MUTHOOTMF has a beta of N/A. A beta > 1 suggests the Muthoot Microfin Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is MUTHOOTMF operating profit margin trend?
MUTHOOTMF has a 5-year average Operating Profit Margin (OPM) of 47.19%, indicating the company's operational efficiency.
How is MUTHOOTMF quarterly performance?
Recent quarterly performance shows Muthoot Microfin Ltd YoY Sales Growth of -12.99% and YoY Profit Growth of -50.46%.
What is the institutional holding pattern in MUTHOOTMF?
MUTHOOTMF has FII holding of 23.25% and DII holding of 2.84%. Significant institutional holding often suggests professional confidence in the Muthoot Microfin Ltd stock.