MUFINMUFIN Forensic Risk Analysis

Non Banking Financial Company (NBFC)
Risk ClassStable
Market Cap₹1,739 Cr
Primary DriverEarnings Quality
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
11 / 100
-4 QoQ
Improving
Sentinel Insight

Asset quality remains stable for now. Pressure is receding in core profitability and credit costs. This indicates that forensic pressure is currently receding. Risk levels are improving.

51.4th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹122.5▲1.4%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Earnings Quality
+11.0 pts
Final Composite Risk11 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 11 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • Operating Leverage Stress
  • NIM Compression
What to Watch Next Quarter
  • Debt growth
  • Operating profit margins

Active Risk Objects (2)

CriticalHigh
Operating Leverage Stress
📊 Earnings QualityAnnualActive for 3 Years
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ2 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"The balance sheet is heavily over-leveraged. Interest payments are consuming most of the profit."

NIM Compression
📊 Earnings QualityQuarterlyActive for 5 Qtrs
More Detail
Impact Weight10/15
MomentumPersistent
Last SignalQ4 FY2026
MUFIN: NIM decline is accelerating (250 bps drop vs prev 3 bps). [Growth Adjusted: 84%]

"Early signs of margin compression detected. Core interest income is being squeezed."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)2.644.59✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+55.0+55.5📈 CRITICAL
Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹122.5(+1.4%)
1M Divergence+7.92%
1 Week-2.06%
1 Month+7.19%
6 Months+13.48%
1 Year+56.31%
2 Year+7.79%
3 Year+7.17%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in earnings quality remain well-maintained against forensic benchmarks. Systematic scans of operational margins and profitability metrics confirm the absence of material structural stress. The current structural trajectory supports a stable risk outlook.

MUFIN • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.97%
Trend QualityStrong
Phase Progression
Phase Progression Score75%
Readiness LabelHigh (Phase Transition Imminent)
Probability of Advancing97%
CoinTree Momentum
Composite Z-Score+0.3018σ
Improving momentum strength
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#601 of 2716
Top 22.13% in momentum strength
Timeframe Sparklines
1W-2.1%
1M+7.2%
6M+13.5%
Weinstein Indicators
150 DMA₹112.31
200 DMA₹106.52
150 DMA Slope+3.5009%Rising
Relative Strength+18.97%Leading
Relative Turnover (RTR)2.3865
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (10.5).
MUFINMUFIN
11 Risk
Sector %ile51th
Delta-4
Active Flags2
Accel+0
Earnings Quality

Stable

AIILAuthum Investment & Infrastructure Limited
16 Risk
Sector %ile78th
Delta0
Active Flags6
Accel+0
Earnings Quality

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
5.656th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

2025

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY202621128-6951,398
FY202518219-153714
FY20249816-359640