Muthoot Microfin（544055）株式概要ムトゥート・マイクロフィン・リミテッド（Muthoot Microfin Limited）は預金を持たないノンバンク金融会社で、インドの農村地域の女性起業家にマイクロローンを提供している。 詳細544055 ファンダメンタル分析スノーフレーク・スコア評価3/6将来の成長5/6過去の実績2/6財務の健全性3/6配当金0/6報酬株価収益率（ 24.2 x）は、 Diversified Financial業界平均（ 24.7 x）を下回っています。収益は年間31.28%増加すると予測されています 今年は黒字化を達成 同業他社や業界と比較して、良好な取引価格 リスク分析負債は営業キャッシュフローで十分にカバーされていない すべてのリスクチェックを見る544055 Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW496,135 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINROAG496,135 investors already sharing narrativesYour Fair Value₹Current Price₹250.2025.6% 割安 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-2b34b2016201920222025202620282031Revenue ₹33.7bEarnings ₹5.4bAdvancedSet Fair ValueView all narrativesMuthoot Microfin Limited 競合他社Tourism Finance Corporation of IndiaSymbol: BSE:526650Market cap: ₹37.8bSG FinserveSymbol: BSE:539199Market cap: ₹43.8bJSW HoldingsSymbol: NSEI:JSWHLMarket cap: ₹121.1bVardhman HoldingsSymbol: BSE:500439Market cap: ₹11.3b価格と性能株価の高値、安値、推移の概要Muthoot Microfin過去の株価現在の株価₹250.2052週高値₹257.0052週安値₹141.35ベータ0.811ヶ月の変化22.98%3ヶ月変化32.56%1年変化42.65%3年間の変化n/a5年間の変化n/aIPOからの変化-6.01%最新ニュースReported Earnings • Jul 21Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹10.6b (up 80% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 16% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Diversified Financial industry in India.Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 19%After last week's 19% share price gain to ₹246, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 16x in the Diversified Financial industry in India. Total returns to shareholders of 47% over the past year.お知らせ • Jul 01+ 1 more updateMuthoot Microfin Limited, Annual General Meeting, Aug 11, 2026Muthoot Microfin Limited, Annual General Meeting, Aug 11, 2026.New Risk • May 17New major risk - Revenue and earnings growthEarnings have declined by 9.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 9.4% per year over the past 5 years.Reported Earnings • May 09Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹23.8b (up 303% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 7.2% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is expected to decline by 3.9% p.a. on average during the next 2 years, while revenues in the Diversified Financial industry in India are expected to grow by 15%.お知らせ • Apr 14Muthoot Microfin Limited to Report Q4, 2026 Results on May 06, 2026Muthoot Microfin Limited announced that they will report Q4, 2026 results on May 06, 2026最新情報をもっと見るRecent updatesReported Earnings • Jul 21Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹10.6b (up 80% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 16% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Diversified Financial industry in India.Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 19%After last week's 19% share price gain to ₹246, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 16x in the Diversified Financial industry in India. Total returns to shareholders of 47% over the past year.お知らせ • Jul 01+ 1 more updateMuthoot Microfin Limited, Annual General Meeting, Aug 11, 2026Muthoot Microfin Limited, Annual General Meeting, Aug 11, 2026.New Risk • May 17New major risk - Revenue and earnings growthEarnings have declined by 9.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 9.4% per year over the past 5 years.Reported Earnings • May 09Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹23.8b (up 303% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 7.2% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is expected to decline by 3.9% p.a. on average during the next 2 years, while revenues in the Diversified Financial industry in India are expected to grow by 15%.お知らせ • Apr 14Muthoot Microfin Limited to Report Q4, 2026 Results on May 06, 2026Muthoot Microfin Limited announced that they will report Q4, 2026 results on May 06, 2026お知らせ • Feb 19Muthoot Microfin Reportedly Looks to Buy Company Offering Loan Against PropertyMuthoot Microfin Limited (NSEI:MUTHOOTMF) is in discussions with two non-banking financial companies (NBFCs) operating in the micro loan against property (LAP) segment to acquire a majority stake, as it looks to pursue inorganic growth and expand its secured lending portfolio, said people familiar with the development. The company recently ventured into the micro LAP business as part of a product diversification strategy which would help it reduce the concentration of unsecured microfinance business. The inorganic route would provide the company a stronger platform for micro LAP business."Muthoot Microfin is exploring a majority stake buyout which would help it acquire the know-how of this business. For lending against property, the company needs experts to do the valuation and assessment of the property title before lending," a person close to the company said on condition of anonymity. Muthoot Microfin CEO Sadaf Sayeed declined to comment. Non-banking financial company-microfinance institutions (NBFC-MFIs) are pursuing a portfolio diversification strategy following the recent policy change by the Reserve Bank of India allowing them to increase their exposure to non-microfinance loans to 40% of their portfolio.Reported Earnings • Feb 10Third quarter 2026 earnings released: EPS: ₹3.73 (vs ₹0.22 in 3Q 2025)Third quarter 2026 results: EPS: ₹3.73 (up from ₹0.22 in 3Q 2025). Revenue: ₹3.84b (up 37% from 3Q 2025). Net income: ₹624.4m (up ₹586.4m from 3Q 2025). Profit margin: 16% (up from 1.4% in 3Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Diversified Financial industry in India.お知らせ • Jan 27Muthoot Microfin Limited to Report Q3, 2026 Results on Feb 09, 2026Muthoot Microfin Limited announced that they will report Q3, 2026 results at 12:08 PM, Indian Standard Time on Feb 09, 2026Price Target Changed • Nov 25Price target increased by 10% to ₹215Up from ₹195, the current price target is an average from 2 analysts. New target price is 12% above last closing price of ₹192. Stock is up 2.3% over the past year. The company is forecast to post earnings per share of ₹12.80 next year compared to a net loss per share of ₹13.28 last year.Reported Earnings • Nov 07Second quarter 2026 earnings released: EPS: ₹1.82 (vs ₹3.61 in 2Q 2025)Second quarter 2026 results: EPS: ₹1.82 (down from ₹3.61 in 2Q 2025). Revenue: ₹3.66b (up 35% from 2Q 2025). Net income: ₹305.2m (down 51% from 2Q 2025). Profit margin: 8.3% (down from 23% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 41% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Diversified Financial industry in India.お知らせ • Oct 08Muthoot Microfin Limited to Report Q2, 2026 Results on Nov 05, 2025Muthoot Microfin Limited announced that they will report Q2, 2026 results on Nov 05, 2025Reported Earnings • Aug 12First quarter 2026 earnings released: EPS: ₹0.37 (vs ₹6.64 in 1Q 2025)First quarter 2026 results: EPS: ₹0.37 (down from ₹6.64 in 1Q 2025). Revenue: ₹3.49b (up 7.6% from 1Q 2025). Net income: ₹61.8m (down 95% from 1Q 2025). Profit margin: 1.8% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 33% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Diversified Financial industry in India.お知らせ • Jul 29Muthoot Microfin Limited to Report Q1, 2026 Results on Aug 11, 2025Muthoot Microfin Limited announced that they will report Q1, 2026 results on Aug 11, 2025New Risk • May 12New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Indian stocks, typically moving 8.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (17% operating cash flow to total debt). Minor Risk Share price has been volatile over the past 3 months (8.5% average weekly change).Reported Earnings • May 10Full year 2025 earnings released: ₹13.29 loss per share (vs ₹30.20 profit in FY 2024)Full year 2025 results: ₹13.29 loss per share (down from ₹30.20 profit in FY 2024). Revenue: ₹5.92b (down 51% from FY 2024). Net loss: ₹2.23b (down 150% from profit in FY 2024). Revenue is forecast to grow 30% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Diversified Financial industry in India.お知らせ • May 09Muthoot Microfin Limited, Annual General Meeting, Jul 24, 2025Muthoot Microfin Limited, Annual General Meeting, Jul 24, 2025.お知らせ • Apr 22Muthoot Microfin Limited to Report Q4, 2025 Results on May 08, 2025Muthoot Microfin Limited announced that they will report Q4, 2025 results on May 08, 2025Buy Or Sell Opportunity • Apr 21Now 33% overvaluedOver the last 90 days, the stock has fallen 5.4% to ₹161. The fair value is estimated to be ₹121, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 45% over the last 3 years. Earnings per share has grown by 54%. Revenue is forecast to grow by 83% in 2 years. Earnings are forecast to grow by 143% in the next 2 years.Valuation Update With 7 Day Price Move • Mar 21Investor sentiment improves as stock rises 17%After last week's 17% share price gain to ₹144, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 12x in the Diversified Financial industry in India. Total loss to shareholders of 28% over the past year. Simply Wall St's valuation model estimates the intrinsic value at ₹124 per share.お知らせ • Feb 21Muthoot Microfin Limited Approves Board AppointmentsMuthoot Microfin Limited approved the following resolutions: To consider and approve the appointment of Mr. Thomas Muthoot John (DIN: 07557585) as a Director of the Company To consider and approve the appointment of Mr. Thomas Muthoot John (DIN: 07557585) as a Whole Time Director of the Company and the remuneration payable to him To consider and approve the appointment of Mr. Anil Sreedhar (DIN: 07536707) as the Independent Director of the Company Mr. Thomas Muthoot John (DIN: 07557585): Date of Appointment/Cessation (as applicable) & term of Appointment: With effect from December 19, 2024, for a period of 5 years. Mr. Thomas Muthoot John is an ex- Non- Executive Director of the Company. He was previously associated with the company from December 2016 to March 2023. He holds an Economics degree from Loyola College, Chennai, Master's degree in Entrepreneurship and Management from HEC Paris and Certifications from Harvard Business School and ISB. He has an experience of over 11 years in the field of financial services. Mr. Anil Sreedhar (DIN 07536707): Date of Appointment/Cessation (as applicable) & term of Appointment: With effect from December 30, 2024 For a term of Two consecutive years from December 30, 2024. Mr. Anil Sreedhar (DIN 07536707) holds the post graduate certificate in Business Administration (MBA) in Information System & Finance from XLRI, Jamshedpur. Over two decades of experience and expertise in the field, i. e, 14 Years of Banking and Banking Technology experience in various Banks in the Middle East and 10 Years of pure Technology experience in various Central and State Govt IT Projects.New Risk • Feb 07New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 41% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (currently running at an operating cash loss). Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (19% net profit margin).Reported Earnings • Feb 07Third quarter 2025 earnings released: EPS: ₹0.22 (vs ₹8.61 in 3Q 2024)Third quarter 2025 results: EPS: ₹0.22 (down from ₹8.61 in 3Q 2024). Revenue: ₹4.44b (up 51% from 3Q 2024). Net income: ₹38.0m (down 97% from 3Q 2024). Profit margin: 0.9% (down from 42% in 3Q 2024). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Diversified Financial industry in India.お知らせ • Jan 21Muthoot Microfin Limited to Report Q3, 2025 Results on Feb 06, 2025Muthoot Microfin Limited announced that they will report Q3, 2025 results on Feb 06, 2025Board Change • Jan 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 7 experienced directors. No highly experienced directors. Non-Independent Non-Executive Director John Day was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Dec 19Muthoot Microfin Limited Approves Board ChangesMuthoot Microfin Limited at its board meeting held on December 19, 2024, approved resignation of Mr. Thomas John Muthoot, Non-Executive Director of the Company, effective from December 19, 2024. As part of the ongoing restructuring of the various boards within the parent company and its subsidiaries, he is unable to continue serving as a Non-Executive Director of the company due to time constraints. Approved redesignation of Mr. Thomas Muthoot from the position of Managing Director and to continue in the Board as Non-Executive Non-Independent Director of the Company. Thomas Muthoot is one of the Promoters Director of the Company. He holds a bachelor of law degree from University of Kerala. He is on the board of directors of several companies including Muthoot Capital Services Limited, Muthoot Fincorp Limited, Muthoot Housing Finance Company Limited and Muthoot Hotels Private Limited. He has over 38 years of experience in the field of financial services.お知らせ • Dec 03Muthoot Microfin Limited Announces Resignation of Anand Raghavan as an Independent DirectorMuthoot Microfin Limited informed that Mr. Anand Raghavan (DIN 00243485) has tendered his resignation as an Independent Director of the Company, with immediate effect.お知らせ • Oct 23Muthoot Microfin Limited to Report Q2, 2025 Results on Nov 05, 2024Muthoot Microfin Limited announced that they will report Q2, 2025 results on Nov 05, 2024Reported Earnings • Aug 10First quarter 2025 earnings released: EPS: ₹6.64 (vs ₹8.78 in 1Q 2024)First quarter 2025 results: EPS: ₹6.64. Revenue: ₹4.04b (up 43% from 1Q 2024). Net income: ₹1.13b (up 10% from 1Q 2024). Profit margin: 28% (down from 36% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Diversified Financial industry in India.お知らせ • Jul 30Muthoot Microfin Limited to Report Q1, 2025 Results on Aug 09, 2024Muthoot Microfin Limited announced that they will report Q1, 2025 results on Aug 09, 2024Reported Earnings • Jun 29Full year 2024 earnings released: EPS: ₹30.20 (vs ₹14.19 in FY 2023)Full year 2024 results: EPS: ₹30.20 (up from ₹14.19 in FY 2023). Revenue: ₹12.1b (up 84% from FY 2023). Net income: ₹4.50b (up 174% from FY 2023). Profit margin: 37% (up from 25% in FY 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Diversified Financial industry in India.お知らせ • Jun 25Muthoot Microfin Receives Corporate Agent Licence from Insurance Regulatory and Development Authority of IndiaMuthoot Microfin has secured a corporate agent license from the Insurance Regulatory and Development Authority of India (IRDAI) that would enable it to offer tailored insurance plans to its customer base. This license strengthens Muthoot Microfin's commitment to financial inclusion by providing insurance coverage that addresses the risks faced by the most vulnerable segments of society. By offering cover for natural calamities and medical emergencies in addition to life insurance, Muthoot Microfin ensures a holistic approach to its customers' financial security. This initiative stems from Muthoot Microfin's customer-first approach, which allows the company to offer both financial and insurance solutions under one roof to its 3.35 million customers. The corporate agent license will help Muthoot Microfin negotiate better with insurance partners and customize products to suit the needs of its BOP (Bottom of the Pyramid) customers in rural and semi-urban areas across India. With this new license, Muthoot Microfin can offer the right insurance products to its customers while augmenting its sources of revenue and earnings. This development will provide Muthoot Microfin's customers with access to affordable insurance coverage, encompassing health, life, and general insurance. It reinforces the NBFC-MFI's dedication to financial inclusion by delivering a broad range of financial products that protect its customers' well-being and enable them to reach their long-term objectives.お知らせ • May 08Muthoot Microfin Limited, Annual General Meeting, Jun 21, 2024Muthoot Microfin Limited, Annual General Meeting, Jun 21, 2024.お知らせ • Apr 24Muthoot Microfin Limited to Report Q4, 2024 Results on May 06, 2024Muthoot Microfin Limited announced that they will report Q4, 2024 results on May 06, 2024Valuation Update With 7 Day Price Move • Apr 04Investor sentiment improves as stock rises 15%After last week's 15% share price gain to ₹230, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 25x in the Diversified Financial industry in India.Reported Earnings • Jan 31Third quarter 2024 earnings released: EPS: ₹8.61 (vs ₹4.93 in 3Q 2023)Third quarter 2024 results: EPS: ₹8.61 (up from ₹4.93 in 3Q 2023). Revenue: ₹2.94b (up 56% from 3Q 2023). Net income: ₹1.25b (up 119% from 3Q 2023). Profit margin: 42% (up from 30% in 3Q 2023). The increase in margin was driven by higher revenue.お知らせ • Jan 16Muthoot Microfin Limited to Report Q3, 2024 Results on Jan 29, 2024Muthoot Microfin Limited announced that they will report Q3, 2024 results on Jan 29, 2024株主還元544055IN Diversified FinancialIN 市場7D1.8%0.5%0.8%1Y42.6%-10.4%-0.03%株主還元を見る業界別リターン: 544055過去 1 年間で-10.4 % の収益を上げたIndian Diversified Financial業界を上回りました。リターン対市場: 544055過去 1 年間で-0 % の収益を上げたIndian市場を上回りました。価格変動Is 544055's price volatile compared to industry and market?544055 volatility544055 Average Weekly Movement6.6%Diversified Financial Industry Average Movement4.8%Market Average Movement6.0%10% most volatile stocks in IN Market9.0%10% least volatile stocks in IN Market3.8%安定した株価: 544055 、 Indian市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: 544055の 週次ボラティリティ ( 7% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト199211,018Sadaf Sayeedmuthootmicrofin.comムトゥート・マイクロフィン・リミテッド（Muthoot Microfin Limited）は、預金取扱いのないノンバンク系金融会社で、インドの農村地域の女性起業家にマイクロローンを提供している。同社は、所得創出ローン、Pragathiローン、個人ローン、携帯電話、ソーラー照明製品、家電製品ローン、衛生改善ローン、ゴールドローン、Muthoot小規模・成長ビジネスローンを提供している。また、ウェルネス・コンボや損害保険などの付加価値サービスも提供している。以前はPanchratna Securities Limitedとして知られ、2012年10月にMuthoot Microfin Limitedに社名を変更した。ムスート・マイクロフィン・リミテッドは1992年に設立され、インドの高知に拠点を置く。Muthoot Microfin Limited は Muthoot Fincorp Limited の子会社である。もっと見るMuthoot Microfin Limited 基礎のまとめMuthoot Microfin の収益と売上を時価総額と比較するとどうか。544055 基礎統計学時価総額₹41.26b収益（TTM）₹1.70b売上高(TTM)₹10.63b24.2xPER（株価収益率3.9xP/Sレシオ544055 は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計544055 損益計算書（TTM）収益₹10.63b売上原価₹234.67m売上総利益₹10.40bその他の費用₹8.70b収益₹1.70b直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）10.33グロス・マージン97.79%純利益率16.01%有利子負債／自己資本比率335.6%544055 の長期的なパフォーマンスは？過去の実績と比較を見るView Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/07/22 20:01終値2026/07/22 00:00収益2026/03/31年間収益2026/03/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Muthoot Microfin Limited 2 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。2 アナリスト機関Nidhesh JainInvestec Bank plc (UK)Ajit KumarJM Financial Institutional Securities Limited
Reported Earnings • Jul 21Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹10.6b (up 80% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 16% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Diversified Financial industry in India.
Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 19%After last week's 19% share price gain to ₹246, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 16x in the Diversified Financial industry in India. Total returns to shareholders of 47% over the past year.
お知らせ • Jul 01+ 1 more updateMuthoot Microfin Limited, Annual General Meeting, Aug 11, 2026Muthoot Microfin Limited, Annual General Meeting, Aug 11, 2026.
New Risk • May 17New major risk - Revenue and earnings growthEarnings have declined by 9.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 9.4% per year over the past 5 years.
Reported Earnings • May 09Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹23.8b (up 303% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 7.2% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is expected to decline by 3.9% p.a. on average during the next 2 years, while revenues in the Diversified Financial industry in India are expected to grow by 15%.
お知らせ • Apr 14Muthoot Microfin Limited to Report Q4, 2026 Results on May 06, 2026Muthoot Microfin Limited announced that they will report Q4, 2026 results on May 06, 2026
Reported Earnings • Jul 21Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹10.6b (up 80% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 16% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is forecast to grow 26% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Diversified Financial industry in India.
Valuation Update With 7 Day Price Move • Jul 15Investor sentiment improves as stock rises 19%After last week's 19% share price gain to ₹246, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 16x in the Diversified Financial industry in India. Total returns to shareholders of 47% over the past year.
お知らせ • Jul 01+ 1 more updateMuthoot Microfin Limited, Annual General Meeting, Aug 11, 2026Muthoot Microfin Limited, Annual General Meeting, Aug 11, 2026.
New Risk • May 17New major risk - Revenue and earnings growthEarnings have declined by 9.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Debt is not well covered by operating cash flow (currently running at an operating cash loss). Earnings have declined by 9.4% per year over the past 5 years.
Reported Earnings • May 09Full year 2026 earnings released: EPS: ₹10.16 (vs ₹13.29 loss in FY 2025)Full year 2026 results: EPS: ₹10.16 (up from ₹13.29 loss in FY 2025). Revenue: ₹23.8b (up 303% from FY 2025). Net income: ₹1.70b (up ₹3.93b from FY 2025). Profit margin: 7.2% (up from net loss in FY 2025). The move to profitability was driven by higher revenue. Revenue is expected to decline by 3.9% p.a. on average during the next 2 years, while revenues in the Diversified Financial industry in India are expected to grow by 15%.
お知らせ • Apr 14Muthoot Microfin Limited to Report Q4, 2026 Results on May 06, 2026Muthoot Microfin Limited announced that they will report Q4, 2026 results on May 06, 2026
お知らせ • Feb 19Muthoot Microfin Reportedly Looks to Buy Company Offering Loan Against PropertyMuthoot Microfin Limited (NSEI:MUTHOOTMF) is in discussions with two non-banking financial companies (NBFCs) operating in the micro loan against property (LAP) segment to acquire a majority stake, as it looks to pursue inorganic growth and expand its secured lending portfolio, said people familiar with the development. The company recently ventured into the micro LAP business as part of a product diversification strategy which would help it reduce the concentration of unsecured microfinance business. The inorganic route would provide the company a stronger platform for micro LAP business."Muthoot Microfin is exploring a majority stake buyout which would help it acquire the know-how of this business. For lending against property, the company needs experts to do the valuation and assessment of the property title before lending," a person close to the company said on condition of anonymity. Muthoot Microfin CEO Sadaf Sayeed declined to comment. Non-banking financial company-microfinance institutions (NBFC-MFIs) are pursuing a portfolio diversification strategy following the recent policy change by the Reserve Bank of India allowing them to increase their exposure to non-microfinance loans to 40% of their portfolio.
Reported Earnings • Feb 10Third quarter 2026 earnings released: EPS: ₹3.73 (vs ₹0.22 in 3Q 2025)Third quarter 2026 results: EPS: ₹3.73 (up from ₹0.22 in 3Q 2025). Revenue: ₹3.84b (up 37% from 3Q 2025). Net income: ₹624.4m (up ₹586.4m from 3Q 2025). Profit margin: 16% (up from 1.4% in 3Q 2025). The increase in margin was driven by higher revenue. Revenue is forecast to grow 42% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Diversified Financial industry in India.
お知らせ • Jan 27Muthoot Microfin Limited to Report Q3, 2026 Results on Feb 09, 2026Muthoot Microfin Limited announced that they will report Q3, 2026 results at 12:08 PM, Indian Standard Time on Feb 09, 2026
Price Target Changed • Nov 25Price target increased by 10% to ₹215Up from ₹195, the current price target is an average from 2 analysts. New target price is 12% above last closing price of ₹192. Stock is up 2.3% over the past year. The company is forecast to post earnings per share of ₹12.80 next year compared to a net loss per share of ₹13.28 last year.
Reported Earnings • Nov 07Second quarter 2026 earnings released: EPS: ₹1.82 (vs ₹3.61 in 2Q 2025)Second quarter 2026 results: EPS: ₹1.82 (down from ₹3.61 in 2Q 2025). Revenue: ₹3.66b (up 35% from 2Q 2025). Net income: ₹305.2m (down 51% from 2Q 2025). Profit margin: 8.3% (down from 23% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 41% p.a. on average during the next 3 years, compared to a 14% growth forecast for the Diversified Financial industry in India.
お知らせ • Oct 08Muthoot Microfin Limited to Report Q2, 2026 Results on Nov 05, 2025Muthoot Microfin Limited announced that they will report Q2, 2026 results on Nov 05, 2025
Reported Earnings • Aug 12First quarter 2026 earnings released: EPS: ₹0.37 (vs ₹6.64 in 1Q 2025)First quarter 2026 results: EPS: ₹0.37 (down from ₹6.64 in 1Q 2025). Revenue: ₹3.49b (up 7.6% from 1Q 2025). Net income: ₹61.8m (down 95% from 1Q 2025). Profit margin: 1.8% (down from 35% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 33% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Diversified Financial industry in India.
お知らせ • Jul 29Muthoot Microfin Limited to Report Q1, 2026 Results on Aug 11, 2025Muthoot Microfin Limited announced that they will report Q1, 2026 results on Aug 11, 2025
New Risk • May 12New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of Indian stocks, typically moving 8.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (17% operating cash flow to total debt). Minor Risk Share price has been volatile over the past 3 months (8.5% average weekly change).
Reported Earnings • May 10Full year 2025 earnings released: ₹13.29 loss per share (vs ₹30.20 profit in FY 2024)Full year 2025 results: ₹13.29 loss per share (down from ₹30.20 profit in FY 2024). Revenue: ₹5.92b (down 51% from FY 2024). Net loss: ₹2.23b (down 150% from profit in FY 2024). Revenue is forecast to grow 30% p.a. on average during the next 3 years, compared to a 8.1% growth forecast for the Diversified Financial industry in India.
お知らせ • May 09Muthoot Microfin Limited, Annual General Meeting, Jul 24, 2025Muthoot Microfin Limited, Annual General Meeting, Jul 24, 2025.
お知らせ • Apr 22Muthoot Microfin Limited to Report Q4, 2025 Results on May 08, 2025Muthoot Microfin Limited announced that they will report Q4, 2025 results on May 08, 2025
Buy Or Sell Opportunity • Apr 21Now 33% overvaluedOver the last 90 days, the stock has fallen 5.4% to ₹161. The fair value is estimated to be ₹121, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 45% over the last 3 years. Earnings per share has grown by 54%. Revenue is forecast to grow by 83% in 2 years. Earnings are forecast to grow by 143% in the next 2 years.
Valuation Update With 7 Day Price Move • Mar 21Investor sentiment improves as stock rises 17%After last week's 17% share price gain to ₹144, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 12x in the Diversified Financial industry in India. Total loss to shareholders of 28% over the past year. Simply Wall St's valuation model estimates the intrinsic value at ₹124 per share.
お知らせ • Feb 21Muthoot Microfin Limited Approves Board AppointmentsMuthoot Microfin Limited approved the following resolutions: To consider and approve the appointment of Mr. Thomas Muthoot John (DIN: 07557585) as a Director of the Company To consider and approve the appointment of Mr. Thomas Muthoot John (DIN: 07557585) as a Whole Time Director of the Company and the remuneration payable to him To consider and approve the appointment of Mr. Anil Sreedhar (DIN: 07536707) as the Independent Director of the Company Mr. Thomas Muthoot John (DIN: 07557585): Date of Appointment/Cessation (as applicable) & term of Appointment: With effect from December 19, 2024, for a period of 5 years. Mr. Thomas Muthoot John is an ex- Non- Executive Director of the Company. He was previously associated with the company from December 2016 to March 2023. He holds an Economics degree from Loyola College, Chennai, Master's degree in Entrepreneurship and Management from HEC Paris and Certifications from Harvard Business School and ISB. He has an experience of over 11 years in the field of financial services. Mr. Anil Sreedhar (DIN 07536707): Date of Appointment/Cessation (as applicable) & term of Appointment: With effect from December 30, 2024 For a term of Two consecutive years from December 30, 2024. Mr. Anil Sreedhar (DIN 07536707) holds the post graduate certificate in Business Administration (MBA) in Information System & Finance from XLRI, Jamshedpur. Over two decades of experience and expertise in the field, i. e, 14 Years of Banking and Banking Technology experience in various Banks in the Middle East and 10 Years of pure Technology experience in various Central and State Govt IT Projects.
New Risk • Feb 07New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 41% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Debt is not well covered by operating cash flow (currently running at an operating cash loss). Minor Risks Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (19% net profit margin).
Reported Earnings • Feb 07Third quarter 2025 earnings released: EPS: ₹0.22 (vs ₹8.61 in 3Q 2024)Third quarter 2025 results: EPS: ₹0.22 (down from ₹8.61 in 3Q 2024). Revenue: ₹4.44b (up 51% from 3Q 2024). Net income: ₹38.0m (down 97% from 3Q 2024). Profit margin: 0.9% (down from 42% in 3Q 2024). Revenue is forecast to grow 23% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Diversified Financial industry in India.
お知らせ • Jan 21Muthoot Microfin Limited to Report Q3, 2025 Results on Feb 06, 2025Muthoot Microfin Limited announced that they will report Q3, 2025 results on Feb 06, 2025
Board Change • Jan 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 7 experienced directors. No highly experienced directors. Non-Independent Non-Executive Director John Day was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Dec 19Muthoot Microfin Limited Approves Board ChangesMuthoot Microfin Limited at its board meeting held on December 19, 2024, approved resignation of Mr. Thomas John Muthoot, Non-Executive Director of the Company, effective from December 19, 2024. As part of the ongoing restructuring of the various boards within the parent company and its subsidiaries, he is unable to continue serving as a Non-Executive Director of the company due to time constraints. Approved redesignation of Mr. Thomas Muthoot from the position of Managing Director and to continue in the Board as Non-Executive Non-Independent Director of the Company. Thomas Muthoot is one of the Promoters Director of the Company. He holds a bachelor of law degree from University of Kerala. He is on the board of directors of several companies including Muthoot Capital Services Limited, Muthoot Fincorp Limited, Muthoot Housing Finance Company Limited and Muthoot Hotels Private Limited. He has over 38 years of experience in the field of financial services.
お知らせ • Dec 03Muthoot Microfin Limited Announces Resignation of Anand Raghavan as an Independent DirectorMuthoot Microfin Limited informed that Mr. Anand Raghavan (DIN 00243485) has tendered his resignation as an Independent Director of the Company, with immediate effect.
お知らせ • Oct 23Muthoot Microfin Limited to Report Q2, 2025 Results on Nov 05, 2024Muthoot Microfin Limited announced that they will report Q2, 2025 results on Nov 05, 2024
Reported Earnings • Aug 10First quarter 2025 earnings released: EPS: ₹6.64 (vs ₹8.78 in 1Q 2024)First quarter 2025 results: EPS: ₹6.64. Revenue: ₹4.04b (up 43% from 1Q 2024). Net income: ₹1.13b (up 10% from 1Q 2024). Profit margin: 28% (down from 36% in 1Q 2024). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 10% growth forecast for the Diversified Financial industry in India.
お知らせ • Jul 30Muthoot Microfin Limited to Report Q1, 2025 Results on Aug 09, 2024Muthoot Microfin Limited announced that they will report Q1, 2025 results on Aug 09, 2024
Reported Earnings • Jun 29Full year 2024 earnings released: EPS: ₹30.20 (vs ₹14.19 in FY 2023)Full year 2024 results: EPS: ₹30.20 (up from ₹14.19 in FY 2023). Revenue: ₹12.1b (up 84% from FY 2023). Net income: ₹4.50b (up 174% from FY 2023). Profit margin: 37% (up from 25% in FY 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 24% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Diversified Financial industry in India.
お知らせ • Jun 25Muthoot Microfin Receives Corporate Agent Licence from Insurance Regulatory and Development Authority of IndiaMuthoot Microfin has secured a corporate agent license from the Insurance Regulatory and Development Authority of India (IRDAI) that would enable it to offer tailored insurance plans to its customer base. This license strengthens Muthoot Microfin's commitment to financial inclusion by providing insurance coverage that addresses the risks faced by the most vulnerable segments of society. By offering cover for natural calamities and medical emergencies in addition to life insurance, Muthoot Microfin ensures a holistic approach to its customers' financial security. This initiative stems from Muthoot Microfin's customer-first approach, which allows the company to offer both financial and insurance solutions under one roof to its 3.35 million customers. The corporate agent license will help Muthoot Microfin negotiate better with insurance partners and customize products to suit the needs of its BOP (Bottom of the Pyramid) customers in rural and semi-urban areas across India. With this new license, Muthoot Microfin can offer the right insurance products to its customers while augmenting its sources of revenue and earnings. This development will provide Muthoot Microfin's customers with access to affordable insurance coverage, encompassing health, life, and general insurance. It reinforces the NBFC-MFI's dedication to financial inclusion by delivering a broad range of financial products that protect its customers' well-being and enable them to reach their long-term objectives.
お知らせ • May 08Muthoot Microfin Limited, Annual General Meeting, Jun 21, 2024Muthoot Microfin Limited, Annual General Meeting, Jun 21, 2024.
お知らせ • Apr 24Muthoot Microfin Limited to Report Q4, 2024 Results on May 06, 2024Muthoot Microfin Limited announced that they will report Q4, 2024 results on May 06, 2024
Valuation Update With 7 Day Price Move • Apr 04Investor sentiment improves as stock rises 15%After last week's 15% share price gain to ₹230, the stock trades at a trailing P/E ratio of 9.2x. Average trailing P/E is 25x in the Diversified Financial industry in India.
Reported Earnings • Jan 31Third quarter 2024 earnings released: EPS: ₹8.61 (vs ₹4.93 in 3Q 2023)Third quarter 2024 results: EPS: ₹8.61 (up from ₹4.93 in 3Q 2023). Revenue: ₹2.94b (up 56% from 3Q 2023). Net income: ₹1.25b (up 119% from 3Q 2023). Profit margin: 42% (up from 30% in 3Q 2023). The increase in margin was driven by higher revenue.
お知らせ • Jan 16Muthoot Microfin Limited to Report Q3, 2024 Results on Jan 29, 2024Muthoot Microfin Limited announced that they will report Q3, 2024 results on Jan 29, 2024
