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Muthoot MicrofinBOM:544055 -1.09%57 EBITDA Margin % is 23.85% as of Jun. 2026, which is 88% above its 10-year median of 12.71. GuruFocus rates BOM:544055 with a GF Score™ of 57/100 and a GF Value™ of ₹179.91 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 419 Credit Services companies, Muthoot Microfin ranks better than 53.94% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. Muthoot Microfin's EBITDA for the
three
months ended in Jun. 2026 was ₹1,444 Mil. Muthoot Microfin's Revenue for the
three
months ended in Jun. 2026 was ₹6,057 Mil. Therefore, Muthoot Microfin's EBITDA margin for the quarter that ended in Jun. 2026 was 23.85%.
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
Muthoot Microfin EBITDA Margin % Related Terms
Muthoot Microfin EBITDA Margin % Historical Data
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The historical data trend for Muthoot Microfin's EBITDA Margin % 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.
BOM:544055 vs V, MA, AXP: EBITDA Margin % Comparison
For the Credit Services subindustry, Muthoot Microfin's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Microfin's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where Muthoot Microfin's EBITDA Margin % falls into.
* 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 (BOM:544055) has a EBITDA Margin % of 23.85% as of Jun. 2026. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Muthoot Microfin and its competitors. This is 88% above median its historical median of 12.71. According to the industry distribution chart, Muthoot Microfin ranks #193 out of 419 companies in the Credit Services industry, placing it in the top 46.1%.
Is Muthoot Microfin's EBITDA Margin % too high?
Muthoot Microfin's current EBITDA Margin % of 23.85% is 88% above median its 10-year median of 12.71. The Credit Services industry median EBITDA Margin % is 22.12. Muthoot Microfin's value of 23.85% is 7.8% above this industry median. Based on the distribution chart, Muthoot Microfin ranks #193 out of 419 companies in the Credit Services industry, which is above the industry midpoint. Overall, Muthoot Microfin has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muthoot Microfin's EBITDA Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Microfin ranks #193 out of 419 companies for EBITDA Margin %. This puts Muthoot Microfin in the upper half of its industry. The industry median EBITDA Margin % is 22.12. Muthoot Microfin's value of 23.85% is 7.8% above this benchmark. While the company's 10-year median is 12.71 vs. the industry median of 22.12, Muthoot Microfin has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBITDA Margin % for a Credit Services company?
The median EBITDA Margin % among Credit Services companies is 22.12, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muthoot Microfin's current EBITDA Margin % of 23.85% is 7.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on Muthoot Microfin and its competitors. For the Credit Services industry, the median EBITDA Margin % is 22.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muthoot Microfin's current EBITDA Margin % is 23.85%, which is 88% above median its own 10-year median of 12.71. 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?
Based on GuruFocus' analysis, Muthoot Microfin (BOM:544055) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹179.91, compared to a current price of ₹209.20 — trading 16.3% above its estimated fair value. The current EBITDA Margin % is 23.85%, which is 88% above median its 10-year median of 12.71 and 7.8% above the Credit Services industry median of 22.12. Muthoot Microfin's overall GF Score™ is 57/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For Muthoot Microfin (BOM:544055), the current EBITDA Margin % is 23.85% as of Jun. 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.
Is Muthoot Microfin (BOM:544055) Overvalued in 2026?
Based on GuruFocus' analysis, Muthoot Microfin stock appears to be overvalued.
The current stock price of ₹209.20 is trading 16.3% above its estimated GF Value™ of ₹179.91.
GuruFocus considers Muthoot Microfin to be Modestly Overvalued.
Key valuation signals for BOM:544055:
EBITDA Margin %: 23.85% (88% above median its 10-year median of 12.71)
GF Value™: ₹179.91 vs. price of ₹209.20 (16.3% above fair value)
Industry Position: 7.8% above the Credit Services median (#193 of 419)
No single metric tells the full story. See the BOM:544055 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
57GF Score
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