Muthoot Microfin Intrinsic Value
Muthoot Microfin intrinsic value. Muthoot Microfin (MUTHOOTMF) median intrinsic value is ₹148.33 from 8 valuation models (range ₹53–₹353), vs current price ₹176.38 — -15.9% downside (Trading Above Median Value), margin of safety -18.9%. Read Muthoot Microfin dividend policy for the complete payout history and dividend yield track record.
MUTHOOTMF Valuation Methods Summary — DCF, Graham Number & P/E
Muthoot Microfin intrinsic value across 8 models vs current price ₹176.38 — upside/downside and value range per method. For current market price and key ratios, visit Muthoot Microfin stock price NSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹175.20 | ₹140.16 - ₹210.24 | -0.7% | EPS: ₹14.60, Sector P/E: 12x |
| Book Value Method | asset | ₹135.90 | ₹122.31 - ₹149.49 | -23.0% | Book Value/Share: ₹169.88, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹148.33 | ₹133.50 - ₹163.16 | -15.9% | Revenue/Share: ₹148.33, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹352.76 | ₹317.48 - ₹388.04 | +100.0% | EBITDA: ₹1264.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹52.91 | ₹47.62 - ₹58.20 | -70.0% | EPS Growth: 1.0%, Fair P/E: 0.8x |
| Growth Adjusted P/E | growth | ₹125.31 | ₹112.78 - ₹137.84 | -29.0% | Revenue Growth: 14.6%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹145.83 | ₹131.25 - ₹160.41 | -17.3% | ROE: 8.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹236.23 | ₹212.61 - ₹259.85 | +33.9% | EPS: ₹14.60, BVPS: ₹169.88 |
MUTHOOTMF Intrinsic Value vs Market Price — All Valuation Models
Muthoot Microfin fair value range ₹53–₹353 vs current market price ₹176.38 across 8 valuation models. Compare with MUTHOOTMF fundamental valuation to assess whether the stock is under or overvalued.
MUTHOOTMF Intrinsic Value Analysis — Undervalued or Overvalued?
Muthoot Microfin median intrinsic value ₹148.33, current price ₹176.38 — Trading Above Median Value by 15.9%, margin of safety -18.9%.
What is the intrinsic value of MUTHOOTMF?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Muthoot Microfin (MUTHOOTMF) is ₹148.33 (median value). With the current market price of ₹176.38, this represents a -15.9% variance from our estimated fair value.
The valuation range spans from ₹52.91 to ₹352.76, indicating ₹52.91 - ₹352.76.
Is MUTHOOTMF undervalued or overvalued?
Based on our multi-method analysis, Muthoot Microfin (MUTHOOTMF) appears to be trading above median value by approximately 15.9%.
MUTHOOTMF Financial Health — Key Ratios vs Industry Benchmarks
Muthoot Microfin financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.17 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 8.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 50.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
MUTHOOTMF Cash Flow Quality — Operating & Free Cash Flow
Muthoot Microfin operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-580 Cr | ₹-601 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹1,382 Cr | ₹1,318 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹-1,272 Cr | ₹-1,385 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-2,333 Cr | ₹-2,423 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-1,084 Cr | ₹-1,121 Cr | Negative Cash Flow | 3/10 |