Muthoot Microfin Limited (NSE:MUTHOOTMF)

Muthoot Microfin Cash Flow Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Net Income	-3,606	-2,225	4,496	1,639	473.98	70.54
Depreciation & Amortization	440.82	427.73	353.55	265.58	207.43	187.76
Other Amortization	0.64	0.64	0.83	0.48	0.41	0.57
Gain on Sale of Loans & Receivables	-566.4	-695.26	-2,177	-1,115	-910.31	-409.25
Loss (Gain) From Sale of Investments	1,306	1,142	-	-	-	-
Provision for Credit Losses	10,423	10,423	1,820	2,233	1,112	1,322
Stock-Based Compensation	38.12	52.92	93.72	42.11	9.04	3.65
Change in Accounts Payable	-39.52	-51.61	241.86	-	-	-
Change in Other Net Operating Assets	-1,579	-2,570	-26,379	-26,696	-11,393	-8,160
Other Operating Activities	7,340	7,315	8,834	302.04	-335.16	-55.16
Operating Cash Flow	13,763	13,820	-12,717	-23,329	-10,836	-7,040
Capital Expenditures	-169.79	-208.39	-276.34	-281.82	-114.47	-79.69
Sale of Property, Plant & Equipment	1.59	-	0.82	-	-	0.18
Investment in Securities	-1,461	-1,113	-1,978	-1,518	-623.57	-300
Other Investing Activities	87.11	43.56	-	-	0.01	-
Investing Cash Flow	-1,542	-1,278	-2,253	-1,800	-738.03	-379.51
Long-Term Debt Issued	-	57,533	69,147	58,579	33,714	16,466
Long-Term Debt Repaid	-	-62,979	-51,022	-33,731	-23,935	-15,669
Net Debt Issued (Repaid)	-452.6	-5,447	18,124	24,847	9,779	796.9
Issuance of Preferred Stock	-	-	-	818.12	3,734	-
Issuance of Common Stock	4.78	28.32	7,621	272.16	6.81	-
Repurchase of Common Stock	-	-	-	-272.16	-	-
Other Financing Activities	-8,646	-9,428	-9,035	-	-78.85	-
Financing Cash Flow	-9,093	-14,846	16,710	25,665	13,441	796.9
Net Cash Flow	3,127	-2,304	1,740	536.28	1,868	-6,622
Free Cash Flow	13,593	13,612	-12,993	-23,611	-10,950	-7,119
Free Cash Flow Margin	309.36%	230.16%	-106.83%	-359.50%	-287.02%	-281.58%
Free Cash Flow Per Share	81.88	81.27	-87.43	-172.63	-91.80	-62.36
Cash Interest Paid	8,646	9,428	8,208	4,607	3,124	2,891
Cash Income Tax Paid	428.51	1,108	1,244	341.54	530.67	52.34

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.