Annual reportSep 2026
Sep 2026 · General Updates 26 Aug - My Mudra Fincorp sends FY2025-26 annual report and AGM notice for 18 September 2026.
Source: Nse
My Mudra Fincorp Ltd. (MYMUDRA)
SME CapFinancial Services stocks · SME cap · NSE
My Mudra Fincorp Ltd. operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹98.25
-0.40 · -0.41%
Market cap ₹112 Cr
Data qualityFresh enough for analysisQuote updated 21 Oct, 03:31 pm ISTDetails
Quote21 Oct, 03:31 pm IST
Base fundamentals20 Oct 2026 · screener
Latest result01 Jun, 08:54 pm IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage13/14 · 93%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
62BullishSMA20 +19.0% / mo · MACD + · near 52W high
Stock trend: 73
Sector RS: 45
Sector 3M: -5.7% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
MYMUDRAD candles · FIT view+18.0%Latest close ₹98.25 on 2026-10-21
Bar
-4.5%
RSI
69
MACD hist
1.48
52W pos
89%
2026-10-21O ₹102.90H ₹102.90L ₹97.00C ₹98.25Vol 13,200 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
MYMUDRANifty Financial ServicesNifty 500
- MYMUDRA
- +36.5%
- Nifty 500
- -6.5%
- Nifty Financial Services
- -6.9%
- Vs Nifty 500
- +43.0 pp
Chart stats
21 Oct 2026- From 52W high
- -4.6%
- 52W range position
- 89%
- ATR (14)
- 5.7%
- Volume vs 20D
- 0.21x
- Avg traded value
- ₹0.6 Cr
- 20D price channel
- ₹59 - ₹103
₹103
₹59 - ₹103
₹5.6
Latest completed session
20-session average
94.8% annualized volatility
Research snapshot
What the evidence says now
Investable fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend is neutral, and recent execution is mixed.
Suggested next step
Research, do not rush
The evidence is not strongly aligned. Compare peers and wait for a cleaner setup.
U-Score
Legacy · UNDERVALUED64
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Good67
Revenue +51.3% · PAT +75.0% YoY
Technical
Bullish62
Price trend and sector-relative-strength timing.
Valuation
Legacy model+63.4%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence70
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 31 Mar 2026
Good · 67/100Rev +51% YoY · PAT +75% YoY · operating leverage · margin compression
Filed 31 Mar 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹59 Cr | +51.3% | +1.7% |
| EBITDA | ₹10 Cr | NDF | +25.0% |
| Operating margin | 17.0% | NDF | +300 bps |
| PAT | ₹7 Cr | +75.0% | +40.0% |
| PAT margin | 11.9% | NDF | +324 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 9.36
- P/B
- 1.72
- EV/EBITDA
- 5.86
- Market Cap
- 112.00Cr
Profitability
- ROE
- 20.20%
- ROCE
- 26.30%
- ROA
- 14.29%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 27.00%
- EPS 5Y
- 27.00%
- Revenue 3Y
- 30.00%
- EPS 3Y
- 51.00%
Balance Sheet
- Debt/Equity
- 0.17
- Interest Coverage
- 19.00×
- Altman Z
- 6.87
- Book Value
- 57.40
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 0/5
- OCF
- 2.00 Cr
- EPS TTM
- 10.53
Shareholding
- Promoter Hold
- 48.47%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 90%
Financial History
Updated 21/10/2026
Revenue
₹ CrLatest: 59.0+1.7% vs prev
Net Profit
₹ CrLatest: 7.0+40.0% vs prev
ROE is shown only in the Annual view — quarterly equity data isn't published.
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Mixed signalsSignals are conflicting — long-term uptrend intact. RSI 69. Wait for confirmation.
- Price above SMA200 (long-term uptrend) but mid-term MAs not aligned.
- SMA20 rising (~16.0% over last month) — short-term momentum positive.
- RSI(14) at 69 — falling, no extreme reading.
- MACD above signal but histogram contracting — bullish momentum cooling.
- 5% off 52W high · 67% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
83
RS percentile
Stage 2 UptrendNew S2
1M return
+52.3%
3M return
+47.2%
6M return
+31.0%
1Y return
+6.7%
RS 1D
+3
RS 20D
+63
Sector rank
#10
Industry rank
#42
Stage evidence
- Price is 29.4% above the 30-week proxy.
- The 50-DMA is above the 30-week proxy and its slope is rising +1.1%.
- Both 3-month and 6-month returns are positive.
50-DMA
price above
200-DMA
price above
S2 entered
19 Oct 2026
S2 age
2 trading sessions
Sector
weakening
Industry
weakening
Relative-strength line vs Nifty 500 (base 100)
249 observations
21 Oct 2026Value 105.47+0.52%
RS vs Nifty 500105
Valuation & peers
U-Score 64 · legacy U-Score band UNDERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 64 · legacy U-Score band UNDERVALUED · valuation evidence and comparable companies
Deep Value
Fundamental score breakdown
U band · UNDERVALUEDValuation24/30
Growth23/25
Quality12/20
Balance Sheet8/15
Cash Flow1/10
Piotroski
8/9 (+5)
Penalties
-9
Raw sum
64
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
64/100 · legacy band UNDERVALUED
Positive drivers
- Piotroski is strong at 8/9.
- Fair-value margin of safety is positive at 63.4%.
- Growth contributes 23/25 to the score.
Main drags
- Penalty bucket subtracts 9 points.
- Cash flow is weaker at 1/10; verify the latest quarterly trend.
- Balance sheet is weaker at 8/15; verify the latest quarterly trend.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
9.4
PB
1.7
EV/EBITDA
5.9
ROE
20.2%
ROCE
26.3%
FCF Yield
—
Debt/Equity
0.2
MoS
+63.4%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
64
Previous: 64
Legacy U-Score band
UNDERVALUED
Previous: UNDERVALUED
Margin of safety
+63.4%
Previous: +63.3%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
66
66
66
66
66
66
66
66
66
66
64
64
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹116.62
+15.7% MoS
Growth-justified P/E
25.5
Growth-justified Value
₹268.52
+63.4% MoS
PEG
0.26
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
RSDFIN
Small
RSD Finance Limited
NBFC / Capital Markets / Insurance
match 152
50
9.9
6.0%
+72%
FAIR VALUE
USHAFIN
SME
Usha Financial Services Ltd.
NBFC / Capital Markets / Insurance
match 151
52
8.0
10.2%
+61%
FAIR VALUE
SONAL
Small
Sonal Mercantile Limited
NBFC / Capital Markets / Insurance
match 151
43
6.5
6.9%
+80%
WATCHLIST
MAHAPEXLTD
Small
Maha Rashtra Apex Corporation Limited
NBFC / Capital Markets / Insurance
match 148
16
52.1
0.4%
-3024%
OVERVALUED
NAGREEKCAP
Small
Nagreeka Capital & Infrastructure Limited
NBFC / Capital Markets / Insurance
match 147
68
4.5
29.8%
+83%
UNDERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
My Mudra Fincorp Ltd. operates in Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 31 Mar 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
70Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 63rd percentile of the scored universe and 75th percentile within Financial Services. Main check: cash conversion is weak at 43/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
2 docs text-extracted · 1 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
63rd percentile
overall median 67 · Financial Services: 75th pctile, median 62 · SME: 81st pctile, median 64
Evidence depth
Financial-only
2 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Acceptable, but check the weakest sub-score before increasing exposure.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
86
strong · holding, pledge, alignment
Cash flow
43
weak · profit to cash conversion
Balance sheet
89
strong · leverage and solvency
Discipline
80
strong · capital discipline
Results
55
watch · quarterly consistency
Trust positives
- ▸Promoter holding is 57.9%.
- ▸Promoter pledge is zero.
- ▸ROCE is 26.2%.
Trust risks
- ▸Only 0 years of positive FCF.
- ▸ROCE trend is -10.8%.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching My Mudra Fincorp Ltd.
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Annual reportSep 2026
Sep 2026 · Copy of Newspaper Publication 24 Aug - 13th AGM on September 18, 2026 via VC/OAVM; notice and annual report to be sent electronically.
Source: Nse
Annual report
Annual Report 2026
Source: Nse
Annual report
Annual Report 2025
Source: Nse
Concall transcriptNov 2024
Nov 2024 · Transcript
Source: Nse
Investor presentationNov 2024
Nov 2024 · PPT
Source: Nse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.