Muthoot Microfin Intrinsic Value
Muthoot Microfin (MUTHOOTMF) median intrinsic value is ₹141.73 from 8 valuation models (range ₹87–₹335), vs current price ₹250.11 — -43.3% downside (Trading Above Calculated Value), margin of safety -76.5%. For current market price and key ratios, visit Muthoot Microfin stock price NSE.
MUTHOOTMF Valuation Methods Summary — DCF, Graham Number & P/E
Muthoot Microfin intrinsic value across 8 models vs current price ₹250.11 — upside/downside and value range per method. Analyse MUTHOOTMF shareholding pattern to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹121.92 | ₹97.54 - ₹146.30 | -51.3% | EPS: ₹10.16, Sector P/E: 12x |
| Book Value Method | asset | ₹135.90 | ₹122.31 - ₹149.49 | -45.7% | Book Value/Share: ₹169.88, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹141.73 | ₹127.56 - ₹155.90 | -43.3% | Revenue/Share: ₹141.73, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹335.42 | ₹301.88 - ₹368.96 | +34.1% | EBITDA: ₹1127.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹162.56 | ₹146.30 - ₹178.82 | -35.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹87.38 | ₹78.64 - ₹96.12 | -65.1% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹125.06 | ₹112.55 - ₹137.57 | -50.0% | ROE: 6.0%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹197.07 | ₹177.36 - ₹216.78 | -21.2% | EPS: ₹10.16, BVPS: ₹169.88 |
MUTHOOTMF Intrinsic Value vs Market Price — All Valuation Models
Muthoot Microfin fair value range ₹87–₹335 vs current market price ₹250.11 across 8 valuation models. Read Muthoot Microfin dividend policy for the complete payout history and dividend yield track record.
MUTHOOTMF Intrinsic Value Analysis — Undervalued or Overvalued?
Muthoot Microfin median intrinsic value ₹141.73, current price ₹250.11 — Trading Above Calculated Value by 43.3%, margin of safety -76.5%.
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 ₹141.73 (median value). With the current market price of ₹250.11, this represents a -43.3% variance from our estimated fair value.
The valuation range spans from ₹87.38 to ₹335.42, indicating ₹87.38 - ₹335.42.
Is MUTHOOTMF undervalued or overvalued?
Based on our multi-method analysis, Muthoot Microfin (MUTHOOTMF) appears to be trading above calculated value by approximately 43.3%.
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 | 6.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 47.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.19x | 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 |