ScoreWhy is Muthoot Microfin Ltd ?
1
Strong Long Term Fundamental Strength with a 45.40% CAGR growth in Net Sales
2
Positive results in Sep 25
- OPERATING CF(Y) Highest at Rs 1,382.03 Cr
- PBT LESS OI(Q) At Rs 36.05 cr has Grown at 133.3% (vs previous 4Q average)
- PAT(Q) At Rs 30.52 cr has Grown at 137.0% (vs previous 4Q average)
3
With ROE of -13.3, it has a Expensive valuation with a 1.2 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -4.42%, its profits have fallen by -149%
4
High Institutional Holdings at 26.1%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -4.42% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Muthoot Microfin for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Muthoot Microfin
15.94%
-0.11
41.14%
Sensex
-4.3%
0.44
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
19
Price to Book Value
0.96
EV to EBIT
21.67
EV to EBITDA
19.75
EV to Capital Employed
0.99
EV to Sales
4.25
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
4.09%
ROE (Latest)
-11.18%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
OPERATING PROFIT TO INTEREST(Q)
Highest at 1.35 times
PBDIT(Q)
Highest at Rs 298.83 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 49.57%
PBT LESS OI(Q)
Highest at Rs 66.57 cr.
PAT(Q)
Highest at Rs 62.44 cr.
EPS(Q)
Highest at Rs 3.73
-3What is not working for the Company
PAT(9M)
At Rs 99.14 cr has Grown at -44.50%
Loading Valuation Snapshot...
Here's what is working for Muthoot Microfin
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 66.57 cr has Grown at 155.8% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -119.28 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 62.44 cr has Grown at 169.3% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs -90.16 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit to Interest - Quarterly
Highest at 1.35 times
in the last five quartersMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Operating Profit (PBDIT) - Quarterly
Highest at Rs 298.83 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 49.57%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 66.57 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 62.44 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 3.73
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
