Muthoot Microfin Intrinsic Value
MUTHOOTMF Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹125.33 | ₹112.80 - ₹137.86 | -33.3% | Book Value/Share: ₹156.67, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹141.31 | ₹127.18 - ₹155.44 | -24.8% | Revenue/Share: ₹141.31, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹82.21 | ₹73.99 - ₹90.43 | -56.3% | EBITDA: ₹450.00Cr, EV/EBITDA: 5x |
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Valuation Comparison Chart
MUTHOOTMF Intrinsic Value Analysis
What is the intrinsic value of MUTHOOTMF?
Based on our comprehensive analysis using 3 different valuation methods, the estimated intrinsic value of Muthoot Microfin (MUTHOOTMF) is ₹125.33 (median value). With the current market price of ₹187.99, this represents a -33.3% variance from our estimated fair value.
The valuation range spans from ₹82.21 to ₹141.31, indicating ₹82.21 - ₹141.31.
Is MUTHOOTMF undervalued or overvalued?
Based on our multi-method analysis, Muthoot Microfin (MUTHOOTMF) appears to be trading above calculated value by approximately 33.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.18 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.12 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | -13.7% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 18.0% | Industry Standard: 20%+ | Above 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.22x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Muthoot Microfin
Additional stock information and data for MUTHOOTMF
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-704 Cr | ₹-723 Cr | Negative Cash Flow | 3/10 |