Share Price and Basic Stock Data
Last Updated: December 10, 2025, 9:45 pm
| PEG Ratio | 2.23 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Muthoot Finance Ltd, a prominent player in the finance and investment sector, has shown robust revenue growth over recent quarters. The company reported revenues of ₹2,504 Cr in June 2022, with a steady upward trajectory that saw the figure rise to ₹3,060 Cr by September 2023. This momentum is indicative of strong demand for the company’s financial services, which include gold loans, a cornerstone of its business model. The revenue for the trailing twelve months (TTM) stood impressively at ₹19,099 Cr, reflecting the company’s ability to adapt and thrive in a competitive landscape. However, the revenue growth has been accompanied by fluctuations in expenses and interest costs, which have risen in tandem, potentially impacting margins. The financing profit margin, which hovered around 44% in late 2022, has recently dipped slightly, signaling a need for Muthoot to manage its cost structure effectively as it scales. The increasing revenue is promising, yet investors should remain vigilant about the sustainability of this growth in the context of rising operational costs.
Profitability and Efficiency Metrics
The profitability metrics of Muthoot Finance reveal a mixed bag of performance indicators. The net profit for the year ending March 2025 was reported at ₹5,201 Cr, translating to an earnings per share (EPS) of ₹132.84. This is a significant jump from previous years, showcasing the company’s effective profit retention strategies. However, the net profit margin has seen a gradual decline from 33.08% in March 2022 to 26.47% in March 2025, suggesting that while revenues are increasing, the pace of expense growth may be outstripping profit gains. The return on equity (ROE) stood at a commendable 20%, reflecting efficient use of shareholders’ funds. Yet, the interest coverage ratio, at 2.00x, indicates that while the company can meet its interest obligations, it is operating with a tighter margin than in previous years. Investors should note that while Muthoot’s profitability is solid, the declining margins and rising expenses could signal potential headwinds ahead.
Balance Sheet Strength and Financial Ratios
Muthoot Finance’s balance sheet presents a picture of strength, albeit with some cautionary notes. The company reported reserves of ₹28,036 Cr as of March 2025, a substantial increase reflecting retained earnings and a solid equity base. This bolstered the company’s market capitalization to ₹1,51,582 Cr, with a price-to-book value ratio of 3.26x, indicating that investors are willing to pay a premium for its shares. However, the total debt-to-equity ratio has risen to 3.38x, which could be a concern for risk-averse investors. This high leverage suggests that Muthoot is heavily reliant on borrowed funds to finance its operations, which can amplify risks during economic downturns. Additionally, the gross non-performing assets (NPA) ratio, which stood at 4.26% in June 2023, raises questions about asset quality. While the company has historically managed its NPA levels effectively, a sustained increase could impact profitability and investor confidence.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Muthoot Finance indicates a stable ownership structure that could inspire confidence among investors. Promoters hold a substantial 73.35% stake, demonstrating a strong commitment to the company’s future. On the other hand, foreign institutional investors (FIIs) have gradually increased their stake to 11.58%, signaling growing interest from external markets. Domestic institutional investors (DIIs) have also maintained a significant presence at 11.37%, which further bolsters the company’s credibility. However, the public shareholding is relatively low at 3.70%, which may limit liquidity in the stock. The fluctuation in the number of shareholders, from a peak of 2,72,148 in March 2023 to 2,88,688 by June 2025, suggests varying investor sentiment. While the stable promoter holding is a positive sign, the low public participation could pose challenges in terms of market dynamics and share price volatility.
Outlook, Risks, and Final Insight
Looking ahead, Muthoot Finance faces a mixture of opportunities and challenges. The ongoing demand for gold loans, particularly in a culturally rich market like India, presents a solid growth avenue. However, the increasing interest rates and potential economic slowdowns could adversely affect borrowing costs and asset quality. Investors should be cautious about the rising debt levels and the implications of a higher NPA ratio, which could strain profitability if not managed effectively. Additionally, while the company has a robust reserve base to weather potential downturns, the declining profit margins could impact future growth prospects. As Muthoot navigates through these dynamics, investors might consider the stock’s current valuation against its fundamentals, weighing the potential for growth against the backdrop of rising costs and economic uncertainties. In this context, Muthoot Finance remains a compelling yet complex investment, requiring careful consideration of both its strengths and vulnerabilities.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Muthoot Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 400 Cr. | 1,040 | 2,400/1,032 | 51.7 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 69.2 Cr. | 41.2 | 58.0/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 50.7 Cr. | 94.0 | 161/68.6 | 211 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 54.0 Cr. | 45.5 | 76.2/37.0 | 47.7 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 10.8 Cr. | 29.0 | 165/26.5 | 67.2 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,585.44 Cr | 1,487.34 | 47.65 | 3,630.28 | 0.39% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,504 | 2,498 | 2,660 | 2,853 | 2,999 | 3,060 | 3,168 | 3,409 | 3,704 | 4,117 | 4,423 | 4,854 | 5,703 |
| Interest | 942 | 903 | 914 | 941 | 1,064 | 1,156 | 1,212 | 1,223 | 1,351 | 1,550 | 1,648 | 1,880 | 2,119 |
| Expenses | 473 | 426 | 531 | 690 | 635 | 572 | 566 | 753 | 849 | 852 | 913 | 966 | 832 |
| Financing Profit | 1,089 | 1,169 | 1,214 | 1,223 | 1,300 | 1,332 | 1,390 | 1,434 | 1,504 | 1,715 | 1,863 | 2,009 | 2,752 |
| Financing Margin % | 44% | 47% | 46% | 43% | 43% | 44% | 44% | 42% | 41% | 42% | 42% | 41% | 48% |
| Other Income | 5 | 6 | 7 | 10 | 28 | 14 | 8 | 9 | 6 | 9 | 8 | 34 | 17 |
| Depreciation | 13 | 14 | 15 | 17 | 13 | 15 | 17 | 19 | 18 | 16 | 20 | 23 | 24 |
| Profit before tax | 1,082 | 1,161 | 1,207 | 1,216 | 1,315 | 1,330 | 1,380 | 1,424 | 1,492 | 1,708 | 1,851 | 2,020 | 2,745 |
| Tax % | 26% | 25% | 25% | 26% | 26% | 26% | 26% | 26% | 28% | 27% | 26% | 25% | 25% |
| Net Profit | 802 | 867 | 902 | 903 | 975 | 991 | 1,027 | 1,056 | 1,079 | 1,251 | 1,363 | 1,508 | 2,046 |
| EPS in Rs | 19.98 | 21.60 | 22.46 | 22.49 | 24.29 | 24.69 | 25.59 | 26.31 | 26.87 | 31.16 | 33.95 | 37.56 | 50.97 |
| Gross NPA % | 2.13% | 2.58% | 3.79% | 4.26% | 4.01% | 3.62% | 3.28% | 3.98% | 4.30% | 4.22% | 3.41% | ||
| Net NPA % | 1.90% | 2.31% | 3.40% | 3.82% | 3.59% | 3.23% | 2.90% | 3.48% | 3.68% | 3.51% | 2.79% |
Last Updated: August 20, 2025, 6:40 am
Below is a detailed analysis of the quarterly data for Muthoot Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 2,119.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,880.00 Cr. (Mar 2025) to 2,119.00 Cr., marking an increase of 239.00 Cr..
- For Expenses, as of Jun 2025, the value is 832.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 966.00 Cr. (Mar 2025) to 832.00 Cr., marking a decrease of 134.00 Cr..
- For Other Income, as of Jun 2025, the value is 17.00 Cr.. The value appears to be declining and may need further review. It has decreased from 34.00 Cr. (Mar 2025) to 17.00 Cr., marking a decrease of 17.00 Cr..
- For Depreciation, as of Jun 2025, the value is 24.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23.00 Cr. (Mar 2025) to 24.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 2,745.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,020.00 Cr. (Mar 2025) to 2,745.00 Cr., marking an increase of 725.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 25.00%.
- For Net Profit, as of Jun 2025, the value is 2,046.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,508.00 Cr. (Mar 2025) to 2,046.00 Cr., marking an increase of 538.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 50.97. The value appears strong and on an upward trend. It has increased from 37.56 (Mar 2025) to 50.97, marking an increase of 13.41.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:49 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4,947 | 4,325 | 4,875 | 5,746 | 6,267 | 6,878 | 8,715 | 10,557 | 11,082 | 10,515 | 12,635 | 17,099 | 19,099 |
| Interest | 2,630 | 2,108 | 2,260 | 2,298 | 1,935 | 2,243 | 2,796 | 3,699 | 3,845 | 3,709 | 4,667 | 6,466 | 7,197 |
| Expenses | 1,077 | 1,105 | 1,241 | 1,479 | 1,510 | 1,518 | 1,827 | 1,818 | 1,891 | 2,110 | 2,513 | 3,543 | 3,562 |
| Financing Profit | 1,241 | 1,112 | 1,374 | 1,969 | 2,822 | 3,117 | 4,092 | 5,040 | 5,347 | 4,696 | 5,455 | 7,091 | 8,339 |
| Financing Margin % | 25% | 26% | 28% | 34% | 45% | 45% | 47% | 48% | 48% | 45% | 43% | 41% | 44% |
| Other Income | 0 | 0 | 0 | 0 | 66 | 2 | 8 | 17 | 16 | 29 | 59 | 57 | 67 |
| Depreciation | 47 | 84 | 58 | 48 | 44 | 42 | 43 | 51 | 54 | 58 | 66 | 77 | 82 |
| Profit before tax | 1,194 | 1,028 | 1,317 | 1,921 | 2,845 | 3,077 | 4,057 | 5,007 | 5,309 | 4,666 | 5,449 | 7,071 | 8,324 |
| Tax % | 35% | 35% | 39% | 39% | 38% | 36% | 26% | 26% | 26% | 26% | 26% | 26% | |
| Net Profit | 780 | 671 | 810 | 1,180 | 1,778 | 1,972 | 3,018 | 3,722 | 3,954 | 3,474 | 4,050 | 5,201 | 6,168 |
| EPS in Rs | 20.99 | 16.85 | 20.29 | 29.53 | 44.43 | 49.22 | 75.26 | 92.78 | 98.53 | 86.52 | 100.87 | 129.54 | 153.64 |
| Dividend Payout % | 29% | 36% | 30% | 20% | 23% | 24% | 20% | 22% | 20% | 25% | 24% | 20% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -13.97% | 20.72% | 45.68% | 50.68% | 10.91% | 53.04% | 23.33% | 6.23% | -12.14% | 16.58% | 28.42% |
| Change in YoY Net Profit Growth (%) | 0.00% | 34.69% | 24.96% | 5.00% | -39.77% | 42.13% | -29.72% | -17.09% | -18.37% | 28.72% | 11.84% |
Muthoot Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 14% |
| 3 Years: | 16% |
| TTM: | 43% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 23% |
| 5 Years: | 11% |
| 3 Years: | 10% |
| TTM: | 49% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 33% |
| 5 Years: | 20% |
| 3 Years: | 40% |
| 1 Year: | 42% |
| Return on Equity | |
|---|---|
| 10 Years: | 21% |
| 5 Years: | 21% |
| 3 Years: | 19% |
| Last Year: | 20% |
Last Updated: September 5, 2025, 11:20 am
Balance Sheet
Last Updated: December 10, 2025, 3:07 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 372 | 398 | 399 | 399 | 400 | 401 | 401 | 401 | 401 | 401 | 401 | 401 | 401 |
| Reserves | 3,893 | 4,686 | 5,220 | 6,117 | 7,412 | 9,392 | 11,171 | 14,838 | 17,943 | 20,660 | 23,889 | 28,036 | 31,442 |
| Borrowing | 19,478 | 19,436 | 18,567 | 20,985 | 21,167 | 26,833 | 37,130 | 45,946 | 49,811 | 49,734 | 58,783 | 89,820 | 111,945 |
| Other Liabilities | 1,852 | 2,250 | 2,862 | 3,211 | 1,813 | 1,443 | 1,758 | 2,280 | 2,399 | 1,824 | 1,955 | 2,991 | 3,680 |
| Total Liabilities | 25,594 | 26,769 | 27,049 | 30,713 | 30,792 | 38,069 | 50,460 | 63,465 | 70,555 | 72,620 | 85,028 | 121,249 | 147,468 |
| Fixed Assets | 313 | 257 | 218 | 208 | 200 | 193 | 228 | 247 | 267 | 272 | 350 | 480 | 472 |
| CWIP | 14 | 7 | 9 | 10 | 6 | 23 | 29 | 38 | 46 | 67 | 88 | 13 | 10 |
| Investments | 35 | 38 | 98 | 209 | 395 | 983 | 1,438 | 1,590 | 1,320 | 1,317 | 2,268 | 4,499 | 7,931 |
| Other Assets | 25,232 | 26,467 | 26,723 | 30,286 | 30,191 | 36,871 | 48,765 | 61,589 | 68,921 | 70,964 | 82,322 | 116,257 | 139,055 |
| Total Assets | 25,594 | 26,769 | 27,049 | 30,713 | 30,792 | 38,069 | 50,460 | 63,465 | 70,555 | 72,620 | 85,028 | 121,249 | 147,468 |
Below is a detailed analysis of the balance sheet data for Muthoot Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 401.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 401.00 Cr..
- For Reserves, as of Sep 2025, the value is 31,442.00 Cr.. The value appears strong and on an upward trend. It has increased from 28,036.00 Cr. (Mar 2025) to 31,442.00 Cr., marking an increase of 3,406.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 3,680.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,991.00 Cr. (Mar 2025) to 3,680.00 Cr., marking an increase of 689.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 147,468.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 121,249.00 Cr. (Mar 2025) to 147,468.00 Cr., marking an increase of 26,219.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 472.00 Cr.. The value appears to be declining and may need further review. It has decreased from 480.00 Cr. (Mar 2025) to 472.00 Cr., marking a decrease of 8.00 Cr..
- For CWIP, as of Sep 2025, the value is 10.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Mar 2025) to 10.00 Cr., marking a decrease of 3.00 Cr..
- For Investments, as of Sep 2025, the value is 7,931.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,499.00 Cr. (Mar 2025) to 7,931.00 Cr., marking an increase of 3,432.00 Cr..
- For Other Assets, as of Sep 2025, the value is 139,055.00 Cr.. The value appears strong and on an upward trend. It has increased from 116,257.00 Cr. (Mar 2025) to 139,055.00 Cr., marking an increase of 22,798.00 Cr..
- For Total Assets, as of Sep 2025, the value is 147,468.00 Cr.. The value appears strong and on an upward trend. It has increased from 121,249.00 Cr. (Mar 2025) to 147,468.00 Cr., marking an increase of 26,219.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -18.00 | -18.00 | -17.00 | -19.00 | -20.00 | -25.00 | -36.00 | -44.00 | -48.00 | -47.00 | -56.00 | -86.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 20% | 14% | 15% | 19% | 25% | 22% | 28% | 28% | 24% | 18% | 18% | 20% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Equity Hybrid Fund | 7,000,000 | 2.72 | 2225.09 | 9,000,000 | 2025-12-08 00:51:45 | -22.22% |
| SBI Focused Fund | 7,000,000 | 5.45 | 2225.09 | N/A | N/A | N/A |
| SBI Flexicap Fund | 1,777,107 | 2.44 | 564.89 | N/A | N/A | N/A |
| Motilal Oswal Large and Midcap Fund | 1,612,976 | 3.45 | 512.72 | N/A | N/A | N/A |
| SBI Multicap Fund | 1,550,000 | 2.05 | 492.7 | 3,300,000 | 2025-12-08 00:00:23 | -53.03% |
| SBI Large & Midcap Fund | 1,520,950 | 1.36 | 483.46 | 2,647,601 | 2025-12-07 15:06:48 | -42.55% |
| Tata Value Fund | 1,143,000 | 4.09 | 363.33 | N/A | N/A | N/A |
| PGIM India Midcap Fund | 1,079,711 | 2.96 | 343.21 | N/A | N/A | N/A |
| ICICI Prudential MidCap Fund | 824,501 | 3.76 | 262.08 | N/A | N/A | N/A |
| HSBC Midcap Fund | 820,840 | 2.11 | 260.92 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 132.84 | 107.72 | 89.99 | 100.10 | 94.84 |
| Diluted EPS (Rs.) | 132.83 | 107.71 | 89.98 | 100.05 | 94.76 |
| Cash EPS (Rs.) | 136.21 | 113.58 | 93.36 | 102.19 | 96.87 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 731.49 | 625.39 | 551.82 | 476.84 | 392.82 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 731.49 | 625.39 | 551.82 | 476.84 | 392.82 |
| Revenue From Operations / Share (Rs.) | 503.51 | 375.17 | 296.37 | 303.60 | 287.41 |
| PBDIT / Share (Rs.) | 368.51 | 286.92 | 229.42 | 242.59 | 231.78 |
| PBIT / Share (Rs.) | 365.62 | 284.62 | 227.47 | 240.84 | 230.10 |
| PBT / Share (Rs.) | 180.99 | 149.37 | 122.63 | 134.80 | 127.90 |
| Net Profit / Share (Rs.) | 133.32 | 111.28 | 91.41 | 100.44 | 95.19 |
| NP After MI And SOA / Share (Rs.) | 132.84 | 107.71 | 89.98 | 100.08 | 94.83 |
| PBDIT Margin (%) | 73.18 | 76.47 | 77.41 | 79.90 | 80.64 |
| PBIT Margin (%) | 72.61 | 75.86 | 76.75 | 79.32 | 80.05 |
| PBT Margin (%) | 35.94 | 39.81 | 41.37 | 44.40 | 44.50 |
| Net Profit Margin (%) | 26.47 | 29.66 | 30.84 | 33.08 | 33.11 |
| NP After MI And SOA Margin (%) | 26.38 | 28.71 | 30.36 | 32.96 | 32.99 |
| Return on Networth / Equity (%) | 18.15 | 17.22 | 16.67 | 21.38 | 24.42 |
| Return on Capital Employeed (%) | 47.55 | 43.42 | 24.11 | 28.87 | 29.19 |
| Return On Assets (%) | 4.01 | 4.48 | 4.50 | 5.26 | 5.54 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.70 | 0.72 | 0.98 |
| Total Debt / Equity (X) | 3.38 | 2.72 | 2.57 | 2.90 | 3.24 |
| Asset Turnover Ratio (%) | 0.17 | 0.17 | 0.14 | 0.15 | 0.17 |
| Current Ratio (X) | 1.29 | 1.36 | 1.88 | 1.77 | 1.84 |
| Quick Ratio (X) | 1.29 | 1.36 | 1.88 | 1.77 | 1.84 |
| Dividend Payout Ratio (NP) (%) | 18.06 | 20.42 | 22.22 | 19.97 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 17.68 | 19.99 | 21.75 | 19.63 | 0.00 |
| Earning Retention Ratio (%) | 81.94 | 79.58 | 77.78 | 80.03 | 0.00 |
| Cash Earning Retention Ratio (%) | 82.32 | 80.01 | 78.25 | 80.37 | 0.00 |
| Interest Coverage Ratio (X) | 2.00 | 2.12 | 2.19 | 2.29 | 2.27 |
| Interest Coverage Ratio (Post Tax) (X) | 1.72 | 1.82 | 1.87 | 1.95 | 1.93 |
| Enterprise Value (Cr.) | 187269.98 | 121977.91 | 87557.38 | 97948.65 | 90952.44 |
| EV / Net Operating Revenue (X) | 9.26 | 8.10 | 7.36 | 8.04 | 7.89 |
| EV / EBITDA (X) | 12.66 | 10.59 | 9.51 | 10.06 | 9.78 |
| MarketCap / Net Operating Revenue (X) | 4.73 | 3.94 | 3.30 | 4.38 | 4.20 |
| Retention Ratios (%) | 81.93 | 79.57 | 77.77 | 80.02 | 0.00 |
| Price / BV (X) | 3.26 | 2.36 | 1.81 | 2.84 | 3.11 |
| Price / Net Operating Revenue (X) | 4.73 | 3.94 | 3.30 | 4.38 | 4.20 |
| EarningsYield | 0.05 | 0.07 | 0.09 | 0.07 | 0.07 |
After reviewing the key financial ratios for Muthoot Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 132.84. This value is within the healthy range. It has increased from 107.72 (Mar 24) to 132.84, marking an increase of 25.12.
- For Diluted EPS (Rs.), as of Mar 25, the value is 132.83. This value is within the healthy range. It has increased from 107.71 (Mar 24) to 132.83, marking an increase of 25.12.
- For Cash EPS (Rs.), as of Mar 25, the value is 136.21. This value is within the healthy range. It has increased from 113.58 (Mar 24) to 136.21, marking an increase of 22.63.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 731.49. It has increased from 625.39 (Mar 24) to 731.49, marking an increase of 106.10.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 731.49. It has increased from 625.39 (Mar 24) to 731.49, marking an increase of 106.10.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 503.51. It has increased from 375.17 (Mar 24) to 503.51, marking an increase of 128.34.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 368.51. This value is within the healthy range. It has increased from 286.92 (Mar 24) to 368.51, marking an increase of 81.59.
- For PBIT / Share (Rs.), as of Mar 25, the value is 365.62. This value is within the healthy range. It has increased from 284.62 (Mar 24) to 365.62, marking an increase of 81.00.
- For PBT / Share (Rs.), as of Mar 25, the value is 180.99. This value is within the healthy range. It has increased from 149.37 (Mar 24) to 180.99, marking an increase of 31.62.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 133.32. This value is within the healthy range. It has increased from 111.28 (Mar 24) to 133.32, marking an increase of 22.04.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 132.84. This value is within the healthy range. It has increased from 107.71 (Mar 24) to 132.84, marking an increase of 25.13.
- For PBDIT Margin (%), as of Mar 25, the value is 73.18. This value is within the healthy range. It has decreased from 76.47 (Mar 24) to 73.18, marking a decrease of 3.29.
- For PBIT Margin (%), as of Mar 25, the value is 72.61. This value exceeds the healthy maximum of 20. It has decreased from 75.86 (Mar 24) to 72.61, marking a decrease of 3.25.
- For PBT Margin (%), as of Mar 25, the value is 35.94. This value is within the healthy range. It has decreased from 39.81 (Mar 24) to 35.94, marking a decrease of 3.87.
- For Net Profit Margin (%), as of Mar 25, the value is 26.47. This value exceeds the healthy maximum of 10. It has decreased from 29.66 (Mar 24) to 26.47, marking a decrease of 3.19.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 26.38. This value exceeds the healthy maximum of 20. It has decreased from 28.71 (Mar 24) to 26.38, marking a decrease of 2.33.
- For Return on Networth / Equity (%), as of Mar 25, the value is 18.15. This value is within the healthy range. It has increased from 17.22 (Mar 24) to 18.15, marking an increase of 0.93.
- For Return on Capital Employeed (%), as of Mar 25, the value is 47.55. This value is within the healthy range. It has increased from 43.42 (Mar 24) to 47.55, marking an increase of 4.13.
- For Return On Assets (%), as of Mar 25, the value is 4.01. This value is below the healthy minimum of 5. It has decreased from 4.48 (Mar 24) to 4.01, marking a decrease of 0.47.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.38. This value exceeds the healthy maximum of 1. It has increased from 2.72 (Mar 24) to 3.38, marking an increase of 0.66.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.17. There is no change compared to the previous period (Mar 24) which recorded 0.17.
- For Current Ratio (X), as of Mar 25, the value is 1.29. This value is below the healthy minimum of 1.5. It has decreased from 1.36 (Mar 24) to 1.29, marking a decrease of 0.07.
- For Quick Ratio (X), as of Mar 25, the value is 1.29. This value is within the healthy range. It has decreased from 1.36 (Mar 24) to 1.29, marking a decrease of 0.07.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 18.06. This value is below the healthy minimum of 20. It has decreased from 20.42 (Mar 24) to 18.06, marking a decrease of 2.36.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 17.68. This value is below the healthy minimum of 20. It has decreased from 19.99 (Mar 24) to 17.68, marking a decrease of 2.31.
- For Earning Retention Ratio (%), as of Mar 25, the value is 81.94. This value exceeds the healthy maximum of 70. It has increased from 79.58 (Mar 24) to 81.94, marking an increase of 2.36.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 82.32. This value exceeds the healthy maximum of 70. It has increased from 80.01 (Mar 24) to 82.32, marking an increase of 2.31.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 2.00. This value is below the healthy minimum of 3. It has decreased from 2.12 (Mar 24) to 2.00, marking a decrease of 0.12.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.72. This value is below the healthy minimum of 3. It has decreased from 1.82 (Mar 24) to 1.72, marking a decrease of 0.10.
- For Enterprise Value (Cr.), as of Mar 25, the value is 187,269.98. It has increased from 121,977.91 (Mar 24) to 187,269.98, marking an increase of 65,292.07.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 9.26. This value exceeds the healthy maximum of 3. It has increased from 8.10 (Mar 24) to 9.26, marking an increase of 1.16.
- For EV / EBITDA (X), as of Mar 25, the value is 12.66. This value is within the healthy range. It has increased from 10.59 (Mar 24) to 12.66, marking an increase of 2.07.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.73. This value exceeds the healthy maximum of 3. It has increased from 3.94 (Mar 24) to 4.73, marking an increase of 0.79.
- For Retention Ratios (%), as of Mar 25, the value is 81.93. This value exceeds the healthy maximum of 70. It has increased from 79.57 (Mar 24) to 81.93, marking an increase of 2.36.
- For Price / BV (X), as of Mar 25, the value is 3.26. This value exceeds the healthy maximum of 3. It has increased from 2.36 (Mar 24) to 3.26, marking an increase of 0.90.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.73. This value exceeds the healthy maximum of 3. It has increased from 3.94 (Mar 24) to 4.73, marking an increase of 0.79.
- For EarningsYield, as of Mar 25, the value is 0.05. This value is below the healthy minimum of 5. It has decreased from 0.07 (Mar 24) to 0.05, marking a decrease of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Muthoot Finance Ltd:
- Net Profit Margin: 26.47%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 47.55% (Industry Average ROCE: 11.38%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 18.15% (Industry Average ROE: 25.55%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.72
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.29
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 20.7 (Industry average Stock P/E: 47.65)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 3.38
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 26.47%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | NH Bypass, Palarivattom, Kochi Kerala 682028 | investorrelations@muthootfinance.com http://www.muthootfinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. George Jacob Muthoot | Chairman & Wholetime Director |
| Mr. George Alexander Muthoot | Managing Director |
| Mr. George Thomas Muthoot | Whole Time Director |
| Mr. Alexander George | Whole Time Director |
| Mr. George Alexander | Whole Time Director |
| Mr. George Muthoot Jacob | Whole Time Director |
| Mr. George Muthoot George | Whole Time Director |
| Mr. Vadakkekara Anthony George | Independent Director |
| Mr. C A Mohan | Independent Director |
| Mr. Ravindra Pisharody | Independent Director |
| Mrs. Usha Sunny | Independent Director |
| Mr. Joseph Korah | Independent Director |
| Mr. Jose Mathew | Independent Director |
| Mr. Abraham Chacko | Independent Director |
| Mr. George Joseph | Independent Director |
FAQ
What is the intrinsic value of Muthoot Finance Ltd?
Muthoot Finance Ltd's intrinsic value (as of 10 December 2025) is 2604.87 which is 30.46% lower the current market price of 3,746.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,50,418 Cr. market cap, FY2025-2026 high/low of 3,833/1,964, reserves of ₹31,442 Cr, and liabilities of 147,468 Cr.
What is the Market Cap of Muthoot Finance Ltd?
The Market Cap of Muthoot Finance Ltd is 1,50,418 Cr..
What is the current Stock Price of Muthoot Finance Ltd as on 10 December 2025?
The current stock price of Muthoot Finance Ltd as on 10 December 2025 is 3,746.
What is the High / Low of Muthoot Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Muthoot Finance Ltd stocks is 3,833/1,964.
What is the Stock P/E of Muthoot Finance Ltd?
The Stock P/E of Muthoot Finance Ltd is 20.7.
What is the Book Value of Muthoot Finance Ltd?
The Book Value of Muthoot Finance Ltd is 793.
What is the Dividend Yield of Muthoot Finance Ltd?
The Dividend Yield of Muthoot Finance Ltd is 0.69 %.
What is the ROCE of Muthoot Finance Ltd?
The ROCE of Muthoot Finance Ltd is 13.4 %.
What is the ROE of Muthoot Finance Ltd?
The ROE of Muthoot Finance Ltd is 19.7 %.
What is the Face Value of Muthoot Finance Ltd?
The Face Value of Muthoot Finance Ltd is 10.0.