With a noble wish founded in April 1992, Muthoot Microfin Limited, a subsidiary of Muthoot Pappachan Group, provides micro-loans to female customers with a focus on rural regions in India.
http://www.muthootmicrofin.com/
Pros:
Reliable and strong promoter group
Low retail holding, getting lower
Niche targetted group
Good CAGR, high OPM
CONS:
Low interest coverage ratio.
Want your takes on this NBFC.
Disc: Holding 0.1% of PF.
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Net profit is one of the important indicators to show the financial health of the company. Net profit of Muthoot Microfin is Rs 163.89 Cr and the compounded growth of profit in the past 3 years is 108.02 %. The PAT margin of Muthoot Microfin is 11.47 %.
Muthoot Microfin, I feel has good growth story ahead, Here are my thoughts about it:
Disc: No recommendations, i am invested.
How has the company performed across cycles like during demon, covid? How was their asset quality in times of stress vs industry?
Q4 FY 24 results show all round improvement.
https://www.bseindia.com/xml-data/corpfiling/AttachLive/62e02873-eedf-4c71-9751-3d10fec839f2.pdf
Company has delivered a very good quarter and Year with CAGR growth of 39% for last 3 years. For FY 25 as well they are aiming for similar growth. I think this will be great for us as a shareholder. I hope with opening so many new branches(335) they will be able to diversify themselves from TN and KL to other geographies as well!!
Hi, I am relatively new in this field and trying to learn things, I did research on muthoot group there are 3 companies I found muthoot finance, Muthoot microfin and muthoot capital services, I know this thread about Muthoot Microfin but I wanted to know what happened with Muthoot Capital services from 1200 to 290. I am not able to find any reason of it. They give bonus in 2017 but stock crashed in 2018. If someone knows anything which I didn’t get please let me know also provide the source if you found it.
Muthoot Finance is of different group. It is the better and popular group providing gold loan.
Muthoot capital and microfinance are part of Muthoot Pappachan Group.
Muthoot microfinance is providing small amount loans to groups and have higher risk than gold loan.
Muthoot capital services provides 2 wheeler and 4 wheeler loan and their business is dependent on auto cycle. Any downturn in auto market will reduce their business. It has shown irregular margins with no growth in the past.
The guidance provided by the company and Institutions interest seems company rerating /PE expansion is in place.
