My Mudra Fin. (MYMUDRA)

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

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

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.

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