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My Mudra Fincorp Ltd (MYMUDRA)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: MYMUDRA Finance - Housing | Small Cap | My Mudra Fincorp Share Price

BSE Share Price
Not Listed

My Mudra Fincorp Ltd (MYMUDRA)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: MYMUDRA Finance - Housing | Small Cap | My Mudra Fincorp Share Price

BSE Share Price
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹87 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹10.5
Book Value per Share
₹46.9
P/E Ratio
7.26
Lower than its 5-year historical median
Industry PE
13.6
Price to Book (P/B)
1.63
Lower than its 5-year historical median
EV/EBITDA
3.87
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
25.81%
Return on Capital Employed (ROCE)
31.36%
Return on Assets (ROA)
19.73%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
13.56%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
130.53%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹117 Cr.
Reserves
₹42 Cr.
Equity
₹11.4 Cr.
Face Value
₹10
All Time Low / High
- / -

My Mudra Fincorp stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 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.

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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.

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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.
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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.
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.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
My Mudra Fincorp Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)28.453.571.180.4117
YoY Gr. Rt. %-88.4%32.9%13.1%-
Adj EPS (₹ ) 0.64.210.17.910.5
YoY Gr. Rt. %-566.7%141%-21.8%-
BVPS (₹ )5.910.220.346.946.9
YoY Gr. Rt. %-74.7%99%130.5%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)528.737.319.70

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANA41.5%13.1%
Adj EPSNANA132.4%-21.8%
BVPSNANA100.1%130.5%
Share Price - - - -7.3%

Key Financial Ratios

RATIOS \ YEARSMar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000-
Margins
Net Profit Margin (%)1.76.511.811.210.2
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)10.754.166.225.822.5

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25
Income + 28.4653.5671.1480.67
Interest Income28.3853.4671.0780.37
Other Income ⓘ 0.470.562.180.47
Exceptional Items ⓘ 0.080.100.070.31
Expenditure ⓘ + 27.7648.7062.0168.56
Interest Expense ⓘ 0.410.561.120.90
Operating Expenses ⓘ 26.8847.5858.7267.19
Provisions 0.470.562.180.47
Exceptional Items ⓘ 0000
Profit Before Tax ⓘ 0.704.869.1312.11
Taxes ⓘ 0.231.392.703.10
Profit After Tax 0.473.476.439.01
Adjusted EPS (₹)0.64.27.87.9
Dividend Payout Ratio (%)0%0%0%0%

Valuation of My Mudra Fincorp - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +4.388.4416.4153.41
Share Capital ⓘ 0.010.010.0111.39
Reserves ⓘ 4.378.4316.4042.02
Short term borrowings1.251.273.990
Long Term Borrowings1.311.372.961.67
Current Liabilities 3.684.9510.736.14
Trade Payables0.300.390.240.59
Other Liabilities-1.55-1.66-4.23-0.59
Total Liabilities ⓘ 9.3714.7630.1061.23

Assets

Non Current Asset +3.394.429.1316.63
Loan Asset 0000
Other Non Current Asset ⓘ 3.394.429.1316.63
Current Asset +5.9810.3320.9744.59
Current Investment000.250
Other Current Asset5.9810.3320.7144.59
Total Assets ⓘ 9.3714.7630.1061.23

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ -0.041.360.602.17
Cash Flow From Investing Activity ⓘ -0.03-1.45-4.35-8
Cash Flow From Financing Activity ⓘ 0.210.394.9521
Net Cash Flow ⓘ 0.140.301.2015.17

Financial Ratio

PARTICULARSMar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)437.902,938.605,445.707.90
DPS (₹)0000
BVPS (₹)4092.37154.81390846.9

Performance Ratios

ROA (%)5.028.728.719.7
ROE (%)10.754.151.725.8
ROCE (%)14.254.353.631.4

Valuation Parameters

Price/Book(x)0.00.00.01.1

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

My Mudra Fincorp Ltd FAQs

The current trading price of My Mudra Fincorp on 01-Jan-1970 05:30 is ₹0.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of My Mudra Fincorp stood at ₹87.15 Cr

The latest P/E ratio of My Mudra Fincorp as of 31-Dec-1969 is 7.26.

The latest P/B ratio of My Mudra Fincorp as of 31-Dec-1969 is 1.63.

The 52-week high of My Mudra Fincorp is ₹0.00 and the 52-week low is ₹0.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of My Mudra Fincorp is ₹117 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that My Mudra Fincorp Ltd is a below average quality company.

The key valuation ratios of My Mudra Fincorp Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of My Mudra Fincorp Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About My Mudra Fincorp Ltd

My Mudra Fincorp Limited was originally incorporated as a Private Limited Company under the name ‘My Mudra Fincorp Private Limited’ under the Companies Act, 1956 pursuant to a certificate of incorporation dated September 11, 2013 issued by Registrar of Companies, National Capital Territory of Delhi and Haryana. Subsequently, pursuant to Special Resolution passed by the Shareholders at the Extra Ordinary General Meeting held on August 11, 2023 the company was converted into a Public Limited Company and consequently the name of the company was changed from ‘My Mudra Fincorp Private Limited’ to ‘My Mudra Fincorp Limited’ vide a fresh certificate of incorporation consequent upon conversion from private company to public company dated October 19, 2023, issued by the Registrar of Companies, Delhi. 

My Mudra Fincorp functions as a Channel Partner (DSA) Direct Selling Agent for major Banks and NBFCs operating in India. Its business model integrates tele-calling, advertising, direct marketing, referrals, networking, and a combined physical and digital (physital) marketing approach to acquire customers for the banks and NBFC’s. Specializing in the distribution and sales of a diverse range of financial products as channel partner, it offers secured loans such as home loans and loans against property, unsecured loans like business loans and personal loans, professional loan as well as credit cards to the procured customers. It has expanded its services to include the distribution of insurance products. Through its dedication to offering exceptional financial solutions and consultancy services, it has distinguished its self in the highly competitive and ever-evolving Indian financial services sector. 

It provides its customers with the ability to research and compare a wide range of lending and insurance products offered by its lending and insurer partners, enhancing choice and transparency. Once customers share their requirements, it presents multiple options, detailing related costs and features in a clear and simple manner, enabling informed decisions for applications to the appropriate financial institutions, such as banks or NBFCs. Upon credit approval, the loan is conveniently sanctioned. The company ensures faster service and disbursement of loans at the most competitive interest rates and terms acceptable to the customers. It generates revenues from the commissions it receives through its various business segments. For its loan-related business, it earns commissions from its lending partners. In its credit card-related business, it receives commissions and fees from the credit card providers. 

Business area of the company

The company operates as a Channel Partner (DSA) for major Banks and NBFCs in India.

Products of the company

  • Personal loans
  • Business loans
  • Professional loans
  • Secured loan
  • Credit card
  • Insurance

History and milestones

  • 2013: Incorporation of the company.
  • 2017: Established first branch at Indore locations.
  • 2022: Award Given by Kotak Mahindra Bank for exemplary performance and contribution to the business.
  • 2023: Conversion of the Company from Private Limited to Public Limited Company.
  • 2024: Crossed a revenue of Rs 70 crore.

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