Muthoot Microfin Intrinsic Value
Muthoot Microfin (MUTHOOTMF) median intrinsic value is ₹148.33 from 8 valuation models (range ₹57–₹376), vs current price ₹189.28 — -21.6% downside (Trading Above Calculated Value), margin of safety -27.6%. Check MUTHOOTMF market cap trends to track the company's total market size over time.
MUTHOOTMF Valuation Methods Summary — DCF, Graham Number & P/E
Muthoot Microfin intrinsic value across 8 models vs current price ₹189.28 — 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 | -7.4% | EPS: ₹14.60, Sector P/E: 12x |
| Book Value Method | asset | ₹135.90 | ₹122.31 - ₹149.49 | -28.2% | Book Value/Share: ₹169.88, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹148.33 | ₹133.50 - ₹163.16 | -21.6% | Revenue/Share: ₹148.33, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹376.19 | ₹338.57 - ₹413.81 | +98.7% | EBITDA: ₹1264.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹56.78 | ₹51.10 - ₹62.46 | -70.0% | EPS Growth: 1.0%, Fair P/E: 0.8x |
| Growth Adjusted P/E | growth | ₹125.31 | ₹112.78 - ₹137.84 | -33.8% | Revenue Growth: 14.6%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹145.83 | ₹131.25 - ₹160.41 | -23.0% | ROE: 8.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹236.23 | ₹212.61 - ₹259.85 | +24.8% | EPS: ₹14.60, BVPS: ₹169.88 |
MUTHOOTMF Intrinsic Value vs Market Price — All Valuation Models
Muthoot Microfin fair value range ₹57–₹376 vs current market price ₹189.28 across 8 valuation models. See Muthoot Microfin P/B valuation to compare market price against book value per share.
MUTHOOTMF Intrinsic Value Analysis — Undervalued or Overvalued?
Muthoot Microfin median intrinsic value ₹148.33, current price ₹189.28 — Trading Above Calculated Value by 21.6%, margin of safety -27.6%.
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 ₹189.28, this represents a -21.6% variance from our estimated fair value.
The valuation range spans from ₹56.78 to ₹376.19, indicating ₹56.78 - ₹376.19.
Is MUTHOOTMF undervalued or overvalued?
Based on our multi-method analysis, Muthoot Microfin (MUTHOOTMF) appears to be trading above calculated value by approximately 21.6%.
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 |