My Mudra Fin. (MYMUDRA)

Score breakdown: P/E: 3/3 · ROCE: 2/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

Strengths

• Sales growth of 73.24% and profit growth of 87.11% show strong business momentum.
• P/E of 7.63 with a PEG of 0.10 suggests the market is pricing in far less growth than the company is delivering.
• ROCE of 31.35% indicates efficient use of capital.
• Piotroski F-Score of 7/9 points to reasonably sound financials.
• Promoter holding of 57.89% aligns management with minority shareholders.

Concerns

• No book value, ROE, or debt/equity data creates a transparency risk for a financial services company where leverage is critical.
• Dividend yield is zero, so there is no income cushion if growth stalls.
• Market cap of only ₹88 Cr makes it a micro-cap with potential liquidity and volatility risks.
• Latest quarter profit of ₹5 Cr is strong but one quarter alone does not prove sustainability.

AI Analysis

When I first look at My Mudra Fin, the numbers scream growth. Sales are up 73.24%, profits up 87.11%, and the stock sits at ₹83 with a P/E of only 7.63. That gives a PEG of 0.10, which is remarkable for any business, let alone an Indian financial services firm. ROCE of 31.35% tells me the company is generating strong returns on capital employed. A Piotroski F-Score of 7 out of 9 adds another point in favor of solid financial health. Promoters hold 57.89%, so their interests are broadly aligned with minority shareholders. But in the words of my partner Charlie, 'Invert, always invert.' This is a small company with a market cap of just ₹88 Cr. The dividend yield is zero, so any return must come from growth and eventual re-rating. More importantly, the data is woefully incomplete: no book value, no ROE, no debt-to-equity ratio. In financial services, leverage is everything. Without knowing capital adequacy, borrowing costs, and asset quality, I cannot determine the true risk embedded in the balance sheet. The latest quarter shows ₹58 Cr sales and ₹5 Cr net profit, but one quarter does not make a trend. The 52-week range of ₹63 to ₹86 shows the market has already started to notice. At near the high, I must demand a margin of safety. The growth is real, but small financial companies can be fragile in a credit downturn. I would not dismiss it, but I would wait for better disclosures or a lower price. As Graham said, price is what you pay, value is what you get. Here, the price is low, but the value is still partially hidden behind missing data.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer