Check Before You Invest : My Mudra Fincorp Ltd

Q: Which industry/sub-sector does My Mudra Fincorp Ltd belong to?

My Mudra Fincorp Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q: Is My Mudra Fincorp Ltd a good quality company?

My Mudra Fincorp Ltd is a quality company, based on a multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is My Mudra Fincorp Ltd undervalued or overvalued?

My Mudra Fincorp Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 9.19, Historic Median: 10.24. Price to Book, Current: 1.55, Historic Median: 1.73. Price to Sales, Current: 1.03, Historic Median: 1.17. EV to EBITDA, Current: 5, Historic Median: 6.55

Q: Is My Mudra Fincorp Ltd a good buy now?

My Mudra Fincorp Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Operating Income growth is 13.08% for FY-2025, which is below its 3-year CAGR of 41.47%, indicating slower growth.

Q: Return on Assets of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Return on Asset is 19.7%, which is below its 3-year historical median of 28.7%, indicating deteriorated earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 11.21, Historic Median: 11.21. PPOP (%), Current: 11.23, Historic Median: 108.67. RoA (%), Current: 19.7, Historic Median: 28.7

Q: Return on Equity (ROE) of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Return on Equity is 25.8% for FY-2025, which is below its 3-year historical median of 51.7%, indicating the business is making worse use of its shareholders capital.

Q: Pre-provisioning operating profit margin of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 11.23% for FY-2025, which is below its 3-year median(108.67%), indicating decreasing margins.

Q: Net Profit Margin of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 11.21% for FY-2025, which is in line with its 3-year median( 11.21%), indicating stable margins.

Q: Does its ROIC exceed its WACC?

My Mudra Fincorp Ltd return on invested capital (ROIC) is 23.23% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

Check Before You Invest : My Mudra Fincorp Ltd

BSE: 0 NSE: MYMUDRA ISIN: INE0RVQ01016

| Sector: BFSI | Industry: Finance - Housing

Snapshot

Q.1 Which industry/sub-sector does My Mudra Fincorp Ltd belong to?

My Mudra Fincorp Ltd belongs to the BFSI sector, operating specifically within the Finance - Housing segment.

Q.2 Is My Mudra Fincorp Ltd a good quality company?

My Mudra Fincorp Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is My Mudra Fincorp Ltd undervalued or overvalued?

My Mudra Fincorp Ltd appears Somewhat Undervalued, as its key valuation ratios are lower than their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	3-year Historic Median
Price to Earnings	9.19	10.24
Price to Book	1.55	1.73
Price to Sales	1.03	1.17
EV to EBITDA	5	6.55

Q.4 Is My Mudra Fincorp Ltd a good buy now?

My Mudra Fincorp Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Operating Income growth is 13.08% for FY-2025, which is below its 3-year CAGR of 41.47%, indicating slower growth.

Q.2 Return on Assets of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Return on Asset is 19.7%, which is below its 3-year historical median of 28.7%, indicating deteriorated earnings on assets.

	Current Level	3-year Historic Median
NPM (%)	11.21	11.21
PPOP (%)	11.23	108.67
RoA (%)	19.7	28.7

Q.3 Return on Equity (ROE) of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Return on Equity is 25.8% for FY-2025, which is below its 3-year historical median of 51.7%, indicating the business is making worse use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 11.23% for FY-2025, which is below its 3-year median(108.67%), indicating decreasing margins.

Q.5 Net Profit Margin of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 11.21% for FY-2025, which is in line with its 3-year median( 11.21%), indicating stable margins.

Q.6 Does its ROIC exceed its WACC?

My Mudra Fincorp Ltd return on invested capital (ROIC) is 23.23% for FY-2025, is higher than its estimated weighted average cost of capital (WACC) of 14%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of My Mudra Fincorp Ltd?

My Mudra Fincorp Ltd Total Asset growth is -0.2% for FY-2025, which is below its 3-year CAGR of 86.96%, indicating slower growth.

Ownership & governance

D: Promoter shareholding and pledge status of My Mudra Fincorp Ltd?

Q.1 Promoter shareholding and pledge status of My Mudra Fincorp Ltd?

Promoters hold 57.89% of the My Mudra Fincorp Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does My Mudra Fincorp Ltd performance compare with that of its Peers?

Q.1 AUM Growth of My Mudra Fincorp Ltd vs Industry Peers?

My Mudra Fincorp Ltd AUM CAGR is 86.96%, compared to the 3-year industry median CAGR of 7.28%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of My Mudra Fincorp Ltd vs industry peers

My Mudra Fincorp Ltd profit metrics are in line with the industry median level of 12.28%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	3-year Industry Median
NPM (%)	11.21	17.46
PPOP (%)	11.23	17.17
RoA (%)	19.7	2.2

Q.3 Operating efficiency of My Mudra Fincorp Ltd vs industry peers?

My Mudra Fincorp Ltd ROCE (42.5) is above the industry median of (9.3); while the current ROE (51.7) are above than the 5-year average Industry ROE (14). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	3-year Industry Median
NPM (%)	11.21	17.46
PPOP (%)	11.23	17.17
RoA (%)	19.7	2.2
ROCE (%)	31.4	9.3
ROE (%)	25.8	14

Valuation & price assessment

Q.1 Stock return of My Mudra Fincorp Ltd over the last decade?

Over the last 1 years, the stock has delivered a CAGR of -17.85% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	-	-	-	-17.9%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	3-year Historic Median	3-year Industry Median
Price to Earnings	9.19	10.24	20.95
Price to Book	1.55	1.73	1.97
Price to Sales	1.03	1.17	4.70
EV to EBITDA	5	6.55	10.15

Q.3 Valuation ratios of My Mudra Fincorp Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.55 is lower than its historical median of 1.73, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : My Mudra Fincorp Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

Check more companies

Check trending companies

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