Muthoot Microfin Key Ratios

Stock Card

NSE: MUTHOOTMF | BSE: 544055

₹168.46

₹0.25 (0.15%)

As on 09-Oct-2026IST

Market cap

₹2,871 Cr

Revenue (TTM)

₹2,480 Cr

P/E Ratio

11.7

P/B Ratio

Div. Yield

0 %

Key Ratios and Highlights

Growth Score (%)	Quarterly		Annual (TTM)
Particulars	QoQ	YoY	1-Year	3-Years	5-Years
Revenue	5.83	19.69	0.93	18.37	107.05
EBIT	9.31	63.36	155.20	12.42	28.98
Net Profit	14.36	1,215.30	1.13	1.28	89.03
EPS	14.36	1,213.90	174.43	-10.23	75.03
Book Value	--	--	8.31	7.32	16.76

Key Ratios (%)	Average		Annual (TTM)
Particulars	3-Years	5-Years	TTM	Mar-26	Mar-25
EBIT-Margin	44.24	145.23	48.74	44.63	24.42
Net Margin	6.11	17.31	9.85	7.11	-8.63
Return on equity	6.17	6.81	8.83	6.25	-8.24
Return on Assets	1.31	1.44	2.09	1.46	-1.98

Profitability

View Detailed Peer Comparison

ROCE

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	--	9.44	5.89	14.97	11.33	8.76
Peer Median	--	6.28	14.39	9.85	8.36	8.57

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

ROE

8.83

Higher than Peers by 8.34

Profit after tax / Average Net worth * 100

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	8.83	6.25	-8.24	20.50	11.25	4.30
Peer Median	0.49	0.69	17.75	5.83	2.07	-0.96

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

ROA

2.09

Higher than Peers by 1.78

Profit after tax / Average Total assets * 100

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	2.09	1.46	-1.98	4.44	2.32	0.97
Peer Median	0.31	0.17	4.47	1.24	0.55	-0.18

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EBIT Margin

48.74

Higher than Peers by 26.29

Operating profit (EBIT) / Net Sales * 100

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	48.74	44.63	24.42	63.68	52.09	541.35
Peer Median	22.45	35.03	25.28	103.34	41.62	34.32

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Net Margin

9.85

Higher than Peers by 8.90

Net profit / Total Income (Net sales plus other income) * 100

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	9.85	7.11	-8.63	19.85	11.33	56.90
Peer Median	0.95	0.79	19.67	11.76	3.26	-1.01

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Cash Profit Margin

(Net profit + Depreciation) / Gross Sales * 100

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	--	9.01	-7.01	21.57	13.33	8.19
Peer Median	--	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

0.93

Lower than Peers by 25.53

Year on year growth in net sales

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	0.93	-7.50	13.91	57.40	71.62	21.68
Peer Median	26.45	0.93	15.96	49.87	56.97	26.10

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EBIT Growth

155.20

Higher than Peers by 126.08

Year on year growth in operating profit (EBIT)

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	155.20	69.01	-56.31	92.41	88.70	33.14
Peer Median	29.13	100.15	-13.48	205.16	1,520.02	21.14

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Net Profit Growth

1.13

Lower than Peers by 10.89

Year on year growth in profit after tax

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	1.13	176.52	-149.50	174.32	245.77	571.93
Peer Median	12.02	92.46	-86.29	2,087.86	13.65	1.06

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EPS Growth

174.43

Higher than Peers by 165.85

Year on year growth in earnings per share

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	174.43	176.44	-149.40	91.62	237.88	571.93
Peer Median	8.58	94.01	-85.25	1,241.67	40.00	3.11

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Book Value Growth

Year on year growth in book value per share

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	--	8.42	-6.28	74.67	21.34	48.07
Peer Median

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

Total debt / Net worth

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	--	3.37	3.03	3.02	4.01	2.99
Peer Median	--	1.90	2.63	3.00	3.20	1.97

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Short term debt to equity ratio

(Short term borrowings / Net worth)

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	--	1.85	1.73	1.83	--	--
Peer Median

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Current Ratio

1.26

Lower than Peers by 0.11

Current Assets / Current Liabilities and Provisions

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	1.26	0.23	0.26	0.33	3.07	4.18
Peer Median	1.38	0.50	5.44	5.05	5.10	3.53

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Quick Ratio

1.26

Lower than Peers by 0.11

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	1.26	0.23	0.26	0.33	3.07	4.18
Peer Median	1.38	1.40	1.31	1.33	1.28	1.25

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Interest Coverage

1.34

Higher than Peers by 0.23

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	1.34	1.24	0.69	1.67	1.39	1.19
Peer Median	1.11	0.89	1.66	1.21	1.12	0.98

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

11.70

Lower than Peers by 4.08

Current share price divided by earning per share in the last twelve months

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	11.70	14.42	--	7.43	--	--
Peer Median	15.78	15.78	--	9.73	167.89	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Price / Book Value

0.98

Lower than Peers by 0.04

Current share price divided by book value per share in the latest financial year

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	0.98	0.87	0.79	1.20	--	--
Peer Median	1.03	1.07	1.37	1.54	1.42	1.21

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Dividend Yield

Dividend per share in the past twelve months divided by current share price

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	--	--	--	--	--	--
Peer Median	--	--	--	--	--	--

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

EV/EBITDA

9.05

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	9.05	9.79	13.07	7.03	6.95	7.35
Peer Median	--	9.62	6.39	20.78	14.42	7.84

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Market Cap

2,871

Higher than Peers by 400

Current Share price multiplied by latest total number of shares outstanding

Company Name	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22	Mar-21	Mar-20	Mar-19	Mar-18	Mar-17
Muthoot Microfin	2,871	2,454	2,061	3,342	--	--
Peer Median	2,471	2,471	1,989	4,365	3,920	697

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.