Muthoot Microfin (BOM:544055) EBIT: ₹5,118 Mil (TTM As of Mar. 2026)


BOM:544055 Muthoot Microfin Ltd BOM:544055
40 GF Score
Price ₹220.05
! 9 Warning Signs
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What is Muthoot Microfin EBIT?

Muthoot Microfin BOM:544055 +2.88% 40 EBIT is ₹5,118 Mil as of Mar. 2026. GuruFocus rates BOM:544055 with a GF Score™ of 40/100. The stock has 9 warning signs investors should review.

Muthoot Microfin's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹1,582 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹5,118 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Muthoot Microfin's annualized ROC % for the quarter that ended in Mar. 2026 was 4.03%. Muthoot Microfin's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 265.42%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Muthoot Microfin's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 4.18%.

Muthoot Microfin  (BOM:544055) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Muthoot Microfin's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=6326.84 * ( 1 - 26.63% )/( (0 + 115226.58)/ 1 )
=4642.002508/115226.58
=4.03 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=0 - 0 - ( 0 - max(0, 0 - 0+0))
=0

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=126848.05 - 213.75 - ( 11407.72 - max(0, 213.75 - 116338.16+11407.72))
=115226.58

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Muthoot Microfin's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=6326.84/( ( (0 + max(0, 0)) + (1988.21 + max(395.48000000001, 0)) )/ 1 )
=6326.84/( ( 0 + 2383.69 )/ 1 )
=6326.84/2383.69
=265.42 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(253.63 + 0 + 355.60000000001) - (213.75 + 0 + 0)
=395.48000000001

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Muthoot Microfin's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=5118.04/122581.817
=4.18 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Muthoot Microfin EBIT Related Terms

Muthoot Microfin EBIT Historical Data

* Premium members only.

The historical data trend for Muthoot Microfin's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Muthoot Microfin EBIT Chart

Muthoot Microfin Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial 743.95 2,257.63 5,978.62 7,715.48 5,118.01

Muthoot Microfin Quarterly Data
Mar21 Mar22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,181.57 1,094.89 1,316.51 1,124.93 1,581.71

BOM:544055 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Muthoot Microfin's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Muthoot Microfin EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Muthoot Microfin's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Muthoot Microfin's EV-to-EBIT falls into.


BOM:544055
40GF Score
Muthoot Microfin Ltd BOM:544055
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Muthoot Microfin EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹5,118 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹5,118 Mil mean?
Muthoot Microfin (BOM:544055) has a EBIT of ₹5,118 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Muthoot Microfin.
Is Muthoot Microfin's EBIT too high?
Muthoot Microfin's current EBIT is ₹5,118 Mil. Overall, Muthoot Microfin has a GF Score™ of 40/100, reflecting its overall financial health beyond just this single metric.
How does Muthoot Microfin's EBIT compare to V and MA?
Muthoot Microfin's EBIT of ₹5,118 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Muthoot Microfin. Muthoot Microfin's current EBIT is ₹5,118 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muthoot Microfin stock overvalued right now?
Muthoot Microfin (BOM:544055) has a current EBIT of ₹5,118 Mil. The current EBIT is ₹5,118 Mil. Muthoot Microfin's overall GF Score™ is 40/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Muthoot Microfin (BOM:544055), the current EBIT is ₹5,118 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Muthoot Microfin Business Description

Other Exchanges MUTHOOTMF:India
Address Muthoot Towers M.G. Road, 5th Floor, Kochi, KL, IND, 682035
Muthoot Microfin Ltd is a microfinance institution providing micro-loans to women customers with a focus on rural regions of India. The company offers loan products such as group loans for livelihood solutions such as income generating loans, Pragathi loans, and individual loans; life betterment solutions including mobile phones loans, solar lighting product loans, and household appliances product loans; health and hygiene loans such as sanitation improvement loans; and secured loans in the form of gold loans and Muthoot Small & Growing Business loans.
40GF Score

Get the complete analysis for BOM:544055

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹220.05
Price