Muthoot Microfin Limited (MUTHOOTMF) Fair Value & Analysis
Financial Services · IN · Market cap ₹37.2B
Fair value as of: Jul 3, 2026
From 23 valuation models · updated today
Share price +23.0% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹145.46 – ₹221.47 · fair‑value band ₹57.62 – ₹110.32 · the ₹221.47 price screens above the ₹92.31 fair value. As of Jul 3, 2026.
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Muthoot Microfin Limited (MUTHOOTMF) currently trades at ₹221.47, while our model-based Fair Value estimate is ₹92.31 — implying the stock looks roughly 58.3% overvalued today. We read business quality at 59/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Muthoot Microfin Limited generated revenue of ₹10.7B at a net margin of 16.0%. Revenue declined 1.6% year over year. It earns a return on equity of 6.2%. Net debt stands at ₹85.7B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
Muthoot Microfin Limited, a non-deposit taking non-banking financial company, provides micro loans to women entrepreneurs in rural regions of India. The company offers income generating, Pragathi, and individual loans; education, mobile phones, solar lighting product, and household appliances product loans; sanitation improvement loans; and secured loans. It also provides value-added services, such as wellness combo and property insurance. The company was formerly known as Panchratna Securities Limited and changed its name to Muthoot Microfin Limited in October 2012. Muthoot Microfin Limited was incorporated in 1992 and is based in Kochi, India. Muthoot Microfin Limited is a subsidiary of Muthoot Fincorp Limited.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Muthoot Microfin Limited reported revenue of ₹10.2B in FY2025 versus ₹3.8B in FY2021, a compound +27.8%/yr. Reported net income was ₹991M in FY2025, compounding +20.3%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.