My Mudra Fincorp Ltd - Stock Valuation and Financial Performance

BSE: 0 | NSE: MYMUDRA | Finance - Housing | Small Cap

BSE Share Price
Not Listed

DeciZen - make an informed investing decision on My Mudra Fincorp

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Undervalued

3. Price Trend

My Mudra Fincorp stock performance -

mw4me loader
P/E Ratio (SA):
14.73
Market Cap:
123 Cr.
52-wk low:
0
52-wk high:
0

Is My Mudra Fincorp Ltd an attractive stock to invest in?

1. Is My Mudra Fincorp Ltd a good quality company?

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

2. Is My Mudra Fincorp Ltd undervalued or overvalued?

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

3. Is My Mudra Fincorp Ltd a good buy now?

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.

10 Year X-Ray of My Mudra Fincorp:

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'24TTM
Operating Income (₹ Cr.)28.453.571.171
YoY Gr. Rt. %-88.4%32.9%-
Adj EPS (₹ ) 0.64.210.17.3
YoY Gr. Rt. %-566.7%141%-
BVPS (₹ )5.910.220.351.4
YoY Gr. Rt. %-74.7%99%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)528.737.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANANA32.9%
Adj EPSNANANA141%
BVPSNANANA99%
Share Price - - - -

Key Financial Ratios

RATIOS \ YEARSMar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 000-
Margins
Net Profit Margin (%)1.76.511.811.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)10.754.166.214.3

Recent Performance Summary

No data to display

Return on Equity has declined versus last 3 years average to 20.40%

Total Income has declined 0.00 CAGR in last 3 years

Net Profit has declined 0.00 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - My Mudra Fincorp Ltd.

Standalone Consolidated
TTM EPS (₹) 7.3 -
TTM Sales (₹ Cr.) 71.1 -
BVPS (₹.) 51.4 -
Reserves (₹ Cr.) 47 -
P/BV 2.10 -
PE 14.73 -
From the Market
52 Week Low / High (₹) 0.00 / 0.00
All Time Low / High (₹) - / -
Market Cap (₹ Cr.) 123
Equity (₹ Cr.) 11.4
Face Value (₹) 10
Industry PE 23.3

Management X-Ray of My Mudra Fincorp:

Shareholding Pattern

No Data To Display

Promoter's Holding & Share Pledging

Event Update

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Analyst's Notes

Key Ratios of My Mudra Fincorp

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24
Income285471
Interest Income285371
Other Income 000
Expenditure 284960
Interest Expense 011
Operating Expenses 274859
Provisions 010
Exceptional Items 000
Profit Before Tax 1511
Taxes 013
Profit After Tax 038
Adjusted EPS (₹)0.64.210.1
Dividend Payout Ratio (%)0%0%0%

Balance Sheet

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

Equity and Liabilities

Equity Capital4817
Share Capital 000
Reserves 4817
Minority Interest000
Long Term Borrowings113
Current Liabilities 4510
Trade Payables000
Short term borrowings114
Other Liabilities-2-2-4
Total Liabilities 91530

Assets

Non Current Asset 349
Loan Asset 000
Other Non Current Asset 349
Current Asset 61021
Current Investment000
Other Current Asset61021
Total Assets 91530

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24
Cash Flow From Operating Activity 012
Cash Flow From Investing Activity 0-1-6
Cash Flow From Financing Activity 005
Net Cash Flow 001
PARTICULARSMar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)4382,9397,081
DPS (₹)000
BVPS (₹)4092715514235

Performance Ratios

ROA (%)5.028.737.3
ROE (%)10.754.166.2
ROCE (%)14.254.363.7

Valuation Parameters

Price/Book(x)0.00.00.0

My Mudra Fincorp Ltd Stock News

My Mudra Fincorp Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing 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 01-Jan-1970 05:30 the market cap of My Mudra Fincorp stood at ₹123.0.
The latest P/E ratio of My Mudra Fincorp as of 01-Jan-1970 05:30 is 14.73.
The latest P/B ratio of My Mudra Fincorp as of 01-Jan-1970 05:30 is 2.10.
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 ₹71.07 ( Cr.) .

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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