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Muthoot MicrofinBOM:544055 -4.07%56 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 13.98. GuruFocus rates BOM:544055 with a GF Score™ of 56/100 and a GF Value™ of ₹178.21 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 163 Credit Services companies, Muthoot Microfin ranks worse than 613496.32% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Muthoot Microfin's
Operating Income
for the
three
months ended in Jun. 2026 was ₹1,336 Mil. Muthoot Microfin's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Muthoot Microfin has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Muthoot Microfin's Interest Coverage or its related term are showing as below:
BOM:544055's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 54.85 * Ranked among companies with meaningful Interest Coverage only.
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Muthoot Microfin Interest Coverage Related Terms
Muthoot Microfin Interest Coverage Historical Data
* Premium members only.
The historical data trend for Muthoot Microfin's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
BOM:544055 vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Muthoot Microfin's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Microfin's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Muthoot Microfin's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Muthoot Microfin (BOM:544055) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Muthoot Microfin and its competitors. This is 93% below median its historical median of 13.98. Over the past decade, Muthoot Microfin's Interest Coverage has ranged from 6.79 to 30.20. According to the industry distribution chart, Muthoot Microfin ranks #999999 out of 163 companies in the Credit Services industry.
Is Muthoot Microfin's Interest Coverage too high?
Muthoot Microfin's current Interest Coverage of No Debt (1) is 93% below median its 10-year median of 13.98. Over the past 10 years, this metric has ranged from a low of 6.79 to a high of 30.20. Based on the distribution chart, Muthoot Microfin ranks #999999 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Muthoot Microfin has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Muthoot Microfin's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Microfin ranks #999999 out of 163 companies for Interest Coverage. This places Muthoot Microfin in the lower half of its industry. The industry median Interest Coverage is 54.85. Historically, Muthoot Microfin's own Interest Coverage has ranged from 6.79 to 30.20 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 54.85, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Muthoot Microfin and its competitors. For the Credit Services industry, the median Interest Coverage is 54.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muthoot Microfin's current Interest Coverage is No Debt (1), which is 93% below median its own 10-year median of 13.98. 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 ₹178.21, compared to a current price of ₹204.90 — trading 15% above its estimated fair value. The current Interest Coverage is No Debt (1), which is 93% below median its 10-year median of 13.98. Muthoot Microfin's overall GF Score™ is 56/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Muthoot Microfin (BOM:544055), the current Interest Coverage is No Debt (1) 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 ₹204.90 is trading 15% above its estimated GF Value™ of ₹178.21.
GuruFocus considers Muthoot Microfin to be Modestly Overvalued.
Key valuation signals for BOM:544055:
Interest Coverage: No Debt (1) (93% below median its 10-year median of 13.98)
GF Value™: ₹178.21 vs. price of ₹204.90 (15% above fair value)
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.
56GF Score
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