Cash flow Muthoot Microfin Limited

Stocks

MUTHOOTMF

INE046W01019

Consumer Lending

Market Closed - NSE India S.E. Other stock markets 04:35:08 12/06/2026 pm IST			5-day change	1st Jan Change
187.60 ^INR	+3.86%		+3.15%	+6.20%

04/06	India's Bank Lending Hits Two-Year High as Firms Choose Loans Over Bonds as Financing Sources	MT
06/05	Muthoot Microfin Limited Announces Resignation of Non-Executive Director Akshaya Prasad, Effective May 6, 2026	CI

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Published financial data: MUTHOOT MICROFIN LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	637.97Cr	712.4Cr	1.3TCr	2TCr	2.39TCr
Interest Expense, Total	299.33Cr	340.16Cr	549.01Cr	883.11Cr	930.1Cr
Net Interest Income	338.64Cr	372.25Cr	749.97Cr	1.12TCr	1.46TCr
Commission and Fees	3.21Cr	6.16Cr	17Cr	41Cr	97Cr
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	-	-	-
Other Revenues, Total	43Cr	114.27Cr	112.79Cr	229.1Cr	73Cr
Revenues Before Provison For Loan Losses	385.05Cr	492.67Cr	880.08Cr	1.39TCr	1.63TCr
Provision For Loan Losses	131.42Cr	111.15Cr	223.32Cr	181.96Cr	1.04TCr
Total Revenues	253.64Cr	381.52Cr	656.77Cr	1.21TCr	591.42Cr
Salaries And Other Employee Benefits	186.88Cr	237.08Cr	322.56Cr	448.66Cr	533.91Cr
Cost of Services Provided, Total	12Cr	21Cr	33Cr	34Cr	39Cr
Depreciation & Amortization - (IS) - (Collected)	19Cr	21Cr	27Cr	35Cr	43Cr
Provision for Bad Debts	-	-	-	-	-
Other Operating Expenses	26Cr	38Cr	62Cr	105.61Cr	151.17Cr
Total Operating Expenses	244.58Cr	316.8Cr	443.9Cr	623.69Cr	766.7Cr
Operating Income	9.06Cr	65Cr	212.87Cr	581.84Cr	-175.28Cr
Other Non Operating Income (Expenses)	-	-	-	-	-114.22Cr
EBT, Excl. Unusual Items	9.06Cr	65Cr	212.87Cr	581.84Cr	-289.5Cr
Other Unusual Items	-	-	-	-	59.4L
EBT, Incl. Unusual Items	9.06Cr	65Cr	212.87Cr	581.84Cr	-288.9Cr
Income Tax Expense	2Cr	17Cr	49Cr	132.26Cr	-66Cr
Earnings From Continuing Operations	7.05Cr	47Cr	163.89Cr	449.58Cr	-222.52Cr
Net Income to Company	7.05Cr	47Cr	163.89Cr	449.58Cr	-222.52Cr
Net Income - (IS)	7.05Cr	47Cr	163.89Cr	449.58Cr	-222.52Cr
Preferred Dividend and Other Adjustments	-	-	-	-	-
Net Income to Common Incl Extra Items	7.05Cr	47Cr	163.89Cr	449.58Cr	-222.52Cr
Net Income to Common Excl. Extra Items	7.05Cr	47Cr	163.89Cr	449.58Cr	-222.52Cr
Per Share Items
Net EPS - Basic	0.62	4.15	14.19	30.2	-13.28
Basic EPS - Continuing Operations	0.62	4.15	14.19	30.2	-13.28
Basic Weighted Average Shares Outstanding	11Cr	11Cr	12Cr	15Cr	17Cr
Net EPS - Diluted	0.62	3.97	11.98	30.2	-13.28
Diluted EPS - Continuing Operations	0.62	3.97	11.98	30.2	-13.28
Diluted Weighted Average Shares Outstanding	11Cr	12Cr	14Cr	15Cr	17Cr
Normalized Basic EPS	0.5	3.54	11.52	24.43	-10.8
Normalized Diluted EPS	0.5	3.39	9.73	24.43	-10.8
Supplemental Items
Total Revenues (As Reported)	696.28Cr	842.94Cr	1.45TCr	2.29TCr	2.56TCr
Effective Tax Rate - (Ratio)	22.1	26.77	23.01	22.73	22.98
Current Domestic Taxes	-	-	-	-	-
Total Current Taxes	35Cr	22Cr	68Cr	145.63Cr	47Cr
Deferred Domestic Taxes	-	-	-	-	-
Total Deferred Taxes	-32Cr	-5.61Cr	-14Cr	10Cr	-110.07Cr
Normalized Net Income	5.66Cr	40Cr	133.04Cr	363.65Cr	-180.94Cr
Non-Cash Pension Expense	88.4L	39.8L	-1.35Cr	44.5L	12.6L
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	36.5L	90.4L	4.21Cr	9.37Cr	5.29Cr
Total Stock-Based Compensation	36.5L	90.4L	4.21Cr	9.37Cr	5.29Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	519.08Cr	705.7Cr	759.46Cr	957.66Cr	697.25Cr
Long-Term Investments - (FS Template)	4L	4L	63Cr	47Cr	354.34Cr
Loans and Lease Receivables - (FS Template)	3.3TCr	4.4TCr	7.03TCr	9.44TCr	8.74TCr
Other Receivables	9.29Cr	16Cr	72Cr	257.48Cr	168.09Cr
Gross Property Plant And Equipment	127.69Cr	147.23Cr	207.65Cr	263.76Cr	288.4Cr
Accumulated Depreciation	-18Cr	-26Cr	-36Cr	-49Cr	-66Cr
Net Property Plant And Equipment	109.86Cr	121.16Cr	171.61Cr	214.37Cr	222.46Cr
Other Intangibles, Total	12.5L	8L	29.2L	28.6L	16.7L
Restricted Cash	-	-	-	-	28Cr
Other Current Assets, Total	241.38Cr	344.68Cr	428.82Cr	677.33Cr	552.27Cr
Deferred Tax Assets Long-Term (Collected)	10Cr	4.78Cr	5.78Cr	-	94Cr
Other Long-Term Assets, Total	-	-	99.6L	68.7L	67.2L
Total Assets	4.19TCr	5.59TCr	8.53TCr	12TCr	11TCr
Liabilities
Accounts Payable, Total	-	7.31Cr	-	14Cr	19Cr
Accrued Expenses, Total	40Cr	50Cr	6.42Cr	104.18Cr	32Cr
Short-Term Borrowings	114.3Cr	11Cr	-	51Cr	17Cr
Current Portion of Long-Term Debt	2.03TCr	2.3TCr	3.73TCr	5.06TCr	4.57TCr
Current Portion of Leases	15Cr	74Cr	26Cr	33Cr	38Cr
Long-Term Debt	987.74Cr	1.69TCr	2.76TCr	3.3TCr	3.37TCr
Long-Term Leases	63Cr	17Cr	104.05Cr	131.21Cr	137.02Cr
Current Income Taxes Payable	-	-	-	-	-
Unearned Revenue, Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	42Cr	93Cr	250.75Cr	-	67.5L
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	3.03Cr	3.74Cr	3.4Cr	10Cr	9.38Cr
Deferred Tax Liability Non-Current	-	-	-	9.3Cr	-
Other Non Current Liabilities	1.6Cr	1.2Cr	20Cr	73Cr	38Cr
Total Liabilities	3.3TCr	4.25TCr	6.9TCr	8.79TCr	8.22TCr
Preferred Stock Convertible	-	19Cr	23Cr	-	-
Total Preferred Equity	-	19Cr	23Cr	-	-
Common Stock, Total	114.17Cr	114.17Cr	116.84Cr	170.49Cr	170.49Cr
Additional Paid In Capital	498.87Cr	845.21Cr	947.38Cr	1.62TCr	1.6TCr
Retained Earnings	243.42Cr	290.06Cr	452.23Cr	897.88Cr	676.91Cr
Treasury Stock	-3.22Cr	-2.54Cr	-30Cr	-28Cr	-2.9Cr
Comprehensive Income and Other	37Cr	71Cr	115.8Cr	141.54Cr	187.55Cr
Total Common Equity	889.89Cr	1.32TCr	1.6TCr	2.8TCr	2.63TCr
Total Equity	889.89Cr	1.34TCr	1.63TCr	2.8TCr	2.63TCr
Total Liabilities And Equity	4.19TCr	5.59TCr	8.53TCr	12TCr	11TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	11Cr	11Cr	12Cr	17Cr	17Cr
ECS Total Common Shares Outstanding	11Cr	11Cr	12Cr	17Cr	17Cr
Book Value / Share	77.74	115.39	138.29	164.49	157.06
Tangible Book Value	889.76Cr	1.32TCr	1.6TCr	2.8TCr	2.63TCr
Tangible Book Value Per Share	77.73	115.38	138.26	164.47	157.05
Total Debt	3.21TCr	4.1TCr	6.62TCr	8.58TCr	8.13TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	4.64Cr	4.94Cr	3.61Cr	11Cr	11Cr
Net Debt	2.69TCr	3.39TCr	5.86TCr	7.62TCr	7.43TCr
Equity Method Investments, Total	-	-	4L	4L	-
Full Time Employees	6.96T	8.34T	-	6.2T	10.65T
Assets under Capital Lease - Gross	-	-	-	-	-
Assets under Capital Lease - Accumulated Depreciation	-	-	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	7.05Cr	47Cr	163.89Cr	449.58Cr	-222.52Cr
Depreciation, Depletion & Amortization	19Cr	21Cr	27Cr	35Cr	43Cr
Total Depreciation, Depletion & Amortization	19Cr	21Cr	27Cr	35Cr	43Cr
Amortization of Deferred Charges, Total	6L	4L	5L	8L	6L
Gain (Loss) on Sale of Loans & Receivables - (CF)	-43Cr	-113.08Cr	-111.54Cr	-227.6Cr	-70Cr
(Gain) Loss On Sale of Asset - (CF)	-2L	2L	30T	-8L	13.2L
(Gain) Loss on Sale of Investments - (CF)	-17Cr	-	-	-	114.22Cr
Provision for Credit Losses	131.42Cr	111.15Cr	223.32Cr	181.96Cr	1.04TCr
Stock-Based Compensation (CF)	36.5L	90.4L	4.21Cr	9.37Cr	5.29Cr
Change in Accounts Payable	-	-	-	-	-5.16Cr
Change in Other Net Operating Assets (Collected)	-813.36Cr	-1.12TCr	-2.67TCr	-2.61TCr	-257.04Cr
Other Operating Activities	11Cr	-34Cr	30Cr	33Cr	731.48Cr
Cash from Operations	-703.96Cr	-1.08TCr	-2.33TCr	-2.13TCr	1.38TCr
Capital Expenditure	-7.97Cr	-11Cr	-28Cr	-28Cr	-21Cr
Sale of Property, Plant, and Equipment	2L	-	-	8L	-
Purchase / Sale of Intangible Assets	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-30Cr	-62Cr	-151.85Cr	-197.78Cr	-111.3Cr
Other Investing Activities, Total	-	10T	-	-	4.36Cr
Cash from Investing	-38Cr	-74Cr	-180.03Cr	-225.33Cr	-127.79Cr
Long-Term Debt Issued, Total	1.65TCr	3.37TCr	5.86TCr	6.91TCr	5.75TCr
Total Debt Issued	1.65TCr	3.37TCr	5.86TCr	6.91TCr	5.75TCr
Long-Term Debt Repaid, Total	-1.57TCr	-2.39TCr	-3.37TCr	-5.07TCr	-6.3TCr
Total Debt Repaid	-1.57TCr	-2.39TCr	-3.37TCr	-5.07TCr	-6.3TCr
Issuance of Common Stock	-	68.1L	27Cr	762.09Cr	2.83Cr
Repurchase of Common Stock	-	-	-27Cr	-	-
Issuance of Preferred Stock	-	373.39Cr	82Cr	-	-
Other Financing Activities, Total	-	-7.88Cr	-	-55Cr	-942.81Cr
Cash from Financing	80Cr	1.34TCr	2.57TCr	2.55TCr	-1.48TCr
Miscellaneous Cash Flow Adjustments	-	-	-10T	-	-
Net Change in Cash	-662.22Cr	186.62Cr	54Cr	198.21Cr	-230.4Cr
Supplemental Items
Cash Interest Paid	289.11Cr	326.1Cr	460.72Cr	890.36Cr	942.81Cr
Cash Income Tax Paid (Refund)	5.23Cr	53Cr	34Cr	124.43Cr	110.79Cr
Net Debt Issued / Repaid	80Cr	977.95Cr	2.48TCr	1.84TCr	-544.66Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.17	0.97	2.32	4.47	-1.98
Return On Equity %	0.79	4.26	11.06	20.3	-8.19
Return on Common Equity	0.79	4.29	11.23	20.4	-8.19
Margin Analysis
Gross Profit Margin %	96.01	95.14	95.58	97.68	95.5
SG&A Margin	74.59	62.68	49.68	37.72	92.33
Income From Continuing Operations Margin %	2.78	12.42	24.95	37.29	-37.63
Net Income Margin %	2.78	12.42	24.95	37.29	-37.63
Net Avail. For Common Margin %	2.78	12.42	24.95	37.29	-37.63
Normalized Net Income Margin	2.23	10.6	20.26	30.17	-30.59
Asset Turnover
Asset Turnover	0.06	0.08	0.09	0.12	0.05
Short Term Liquidity
Current Ratio	1.81	2.15	2.07	2.15	2.18
Quick Ratio	1.71	2.02	1.96	2.02	2.05
Operating Cash Flow to Current Liabilities	-0.31	-0.43	-0.58	-0.4	0.3
Long Term Solvency
Total Debt/Equity	360.49	306.68	407.36	305.78	308.72
Total Debt / Total Capital	78.28	75.41	80.29	75.36	75.53
LT Debt/Equity	118.1	128.09	176.46	122.36	133.08
Long-Term Debt / Total Capital	25.65	31.5	34.78	30.16	32.56
Total Liabilities / Total Assets	78.74	76.1	80.94	75.8	75.76
Tier 1 Capital Ratio %	21.8	28.38	21.87	28.97	27.39
Total Capital Ratio %	22.55	28.75	21.87	28.97	27.85
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	-14.77	50.42	72.14	83.55	-51.38
Gross Profit, 1 Yr. Growth %	-13.87	49.07	72.94	87.59	-52.47
Earnings From Cont. Operations, 1 Yr. Growth %	-61.25	571.93	245.77	174.32	-149.5
Net Income, 1 Yr. Growth %	-61.25	571.93	245.77	174.32	-149.5
Normalized Net Income, 1 Yr. Growth %	-54.03	614.75	228.9	173.33	-149.79
Diluted EPS Before Extra, 1 Yr. Growth %	-61.14	542.55	201.76	152.09	-143.92
Common Equity, 1 Yr. Growth %	-1.89	48.04	21.64	75	-6.14
Total Assets, 1 Yr. Growth %	2.29	33.6	52.54	35.89	-6.33
Tangible Book Value, 1 Yr. Growth %	-1.88	48.05	21.62	75.01	-6.13
Cash From Operations, 1 Yr. Growth %	-716.18	53.94	115.29	-8.9	-208.68
Capital Expenditures, 1 Yr. Growth %	-65.55	43.64	146.2	-1.94	-24.59
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-27.58	13.22	60.92	77.76	-5.11
Gross Profit, 2 Yr. CAGR %	-27.97	13.31	60.56	80.12	-5.15
Earnings From Cont. Operations, 2 Yr. CAGR %	-81.28	61.35	382.01	207.98	16.52
Net Income, 2 Yr. CAGR %	-81.28	61.35	382.01	207.98	16.52
Normalized Net Income, 2 Yr. CAGR %	-81.55	81.27	384.86	199.83	16.62
Diluted EPS Before Extra, 2 Yr. CAGR %	-82.17	58.01	340.34	175.81	5.31
Common Equity, 2 Yr. CAGR %	0.23	20.52	34.19	45.9	28.16
Total Assets, 2 Yr. CAGR %	8.88	16.9	42.76	43.97	12.82
Tangible Book Value, 2 Yr. CAGR %	0.23	20.53	34.19	45.9	28.17
Cash From Operations, 2 Yr. CAGR %	8.15	207.99	82.04	40.05	-23.03
Capital Expenditures, 2 Yr. CAGR %	-14.92	-29.66	88.05	55.37	-14.01
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-5.87	-7.6	30.19	68.31	15.73
Gross Profit, 3 Yr. CAGR %	-4.96	-8.21	30.46	69.3	15.88
Earnings From Cont. Operations, 3 Yr. CAGR %	-21.21	-38.24	108.02	299.45	67.44
Net Income, 3 Yr. CAGR %	-21.21	-38.24	108.02	299.45	67.44
Normalized Net Income, 3 Yr. CAGR %	-36.41	-37.56	121.09	300.53	64.77
Diluted EPS Before Extra, 3 Yr. CAGR %	-28.5	-41.1	96.04	265.63	49.57
Common Equity, 3 Yr. CAGR %	30.23	14.15	20.89	46.61	25.95
Total Assets, 3 Yr. CAGR %	17.88	16.57	27.74	40.44	24.76
Tangible Book Value, 3 Yr. CAGR %	30.23	14.15	20.89	46.61	25.95
Cash From Operations, 3 Yr. CAGR %	0.24	21.66	173.33	44.53	8.45
Capital Expenditures, 3 Yr. CAGR %	2.86	1.31	6.8	51.36	22.1
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	53.32	18.55	16.65	20.04	14.72
Gross Profit, 5 Yr. CAGR %	52.18	17.4	17.22	20.2	14.84
Earnings From Cont. Operations, 5 Yr. CAGR %	-5.6	5.06	62.59	17.44	64.98
Net Income, 5 Yr. CAGR %	-5.6	5.06	62.59	17.44	64.98
Normalized Net Income, 5 Yr. CAGR %	-9.11	2.49	43.32	16.95	71.18
Diluted EPS Before Extra, 5 Yr. CAGR %	-21.71	-3.77	47.95	9.22	52.89
Common Equity, 5 Yr. CAGR %	66.67	48.13	31.8	25.92	23.75
Total Assets, 5 Yr. CAGR %	51.3	30.71	27.27	26.84	21.55
Tangible Book Value, 5 Yr. CAGR %	66.7	48.15	31.8	25.92	23.75
Cash From Operations, 5 Yr. CAGR %	12.22	18.24	27.26	28.7	64.64
Capital Expenditures, 5 Yr. CAGR %	61.2	11.01	30.94	20.21	-2.07