Muthoot Microfin Limited (MUTHOOTMF) — Financial Flexibility Index

Latest as of September 2025: 0.04x

Muthoot Microfin Limited (MUTHOOTMF) has a Financial Flexibility Index of 0.04x as of September 2025. Free cash flow of Rs3.70 Billion (operating CF Rs3.64 Billion minus capex Rs61.63 Million) represents 0% of total liabilities (Rs87.91 Billion). Check Muthoot Microfin Limited total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.04x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rs3.70 Billion
Operating CF − Capex

Total Liabilities

Rs87.91 Billion
INR

Capital Expenditures

Rs61.63 Million
INR

Muthoot Microfin Limited Financial Flexibility Index (2013–2025)

Historical Financial Flexibility Index trend for Muthoot Microfin Limited across 13 annual periods. For the full cash flow conversion analysis, see Muthoot Microfin Limited (MUTHOOTMF) cash flow conversion.

Annual Financial Flexibility Index for Muthoot Microfin Limited (2013–2025)

Year-by-year free cash flow to debt coverage for Muthoot Microfin Limited. Explore MUTHOOTMF operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (INR) Operating CF Total Liabilities YoY Change
2025 0.07x Rs6.91 Billion Rs6.81 Billion Rs98.30 Billion ▼ -58.8%
2024 0.17x Rs14.03 Billion Rs13.82 Billion Rs82.25 Billion ▲ +171.4%
2023 -0.24x Rs-20.98 Billion Rs-21.25 Billion Rs87.86 Billion ▲ +28.5%
2022 -0.33x Rs-23.05 Billion Rs-23.33 Billion Rs69.03 Billion ▼ -32.5%
2021 -0.25x Rs-10.72 Billion Rs-10.84 Billion Rs42.55 Billion ▼ -19.3%
2020 -0.21x Rs-6.96 Billion Rs-7.04 Billion Rs32.94 Billion ▼ -589.8%
2019 0.04x Rs1.37 Billion Rs1.14 Billion Rs31.85 Billion ▲ +119.3%
2018 -0.22x Rs-5.91 Billion Rs-6.02 Billion Rs26.44 Billion ▲ +30.5%
2017 -0.32x Rs-6.92 Billion Rs-6.99 Billion Rs21.52 Billion ▲ +11.2%
2016 -0.36x Rs-4.62 Billion Rs-4.69 Billion Rs12.76 Billion ▲ +57.9%
2015 -0.86x Rs-3.95 Billion Rs-3.96 Billion Rs4.59 Billion ▲ +96.7%
2014 -26.31x Rs-4.21 Million Rs-4.21 Million Rs160.00K ▼ -180.3%
2013 32.78x Rs32.12 Million Rs32.12 Million Rs980.00K —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities