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Last Updated: March 6, 2026, 2:51 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 533398 | NSE: MUTHOOTFIN

Muthoot Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: March 6, 2026, 2:51 am

Market Cap 1,32,742 Cr.
Current Price 3,306
Intrinsic Value₹2,467.77
High / Low 4,150/1,964
Stock P/E15.5
Book Value 859
Dividend Yield0.79 %
ROCE13.4 %
ROE19.7 %
Face Value 10.0
PEG Ratio0.93

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Muthoot Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Muthoot Finance Ltd 1,32,742 Cr. 3,306 4,150/1,96415.5 8590.79 %13.4 %19.7 % 10.0
SBI Cards & Payment Services Ltd 69,519 Cr. 731 1,027/71833.2 1550.34 %10.4 %14.8 % 10.0
L&T Finance Holdings Ltd 68,974 Cr. 276 329/13724.4 1051.00 %8.71 %10.8 % 10.0
Motilal Oswal Financial Services Ltd 43,670 Cr. 726 1,097/48821.6 2140.83 %18.7 %25.2 % 1.00
Cholamandalam Financial Holdings Ltd 30,578 Cr. 1,629 2,299/1,35712.9 7280.08 %10.6 %19.1 % 1.00
Industry Average18,346.41 Cr1,260.17172.033,616.520.46%11.38%25.55%6.58

All Competitor Stocks of Muthoot Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue2,6602,8532,9993,0603,1683,4093,7044,1174,4234,8545,7036,4327,243
Interest 9149411,0641,1561,2121,2231,3511,5501,6481,8802,1192,3132,647
Expenses 5316906355725667538498529139668329711,007
Financing Profit1,2141,2231,3001,3321,3901,4341,5041,7151,8632,0092,7523,1493,589
Financing Margin %46%43%43%44%44%42%41%42%42%41%48%49%50%
Other Income 71028148969834172920
Depreciation 15171315171918162023242628
Profit before tax 1,2071,2161,3151,3301,3801,4241,4921,7081,8512,0202,7453,1513,582
Tax % 25%26%26%26%26%26%28%27%26%25%25%26%26%
Net Profit 9029039759911,0271,0561,0791,2511,3631,5082,0462,3452,656
EPS in Rs 22.4622.4924.2924.6925.5926.3126.8731.1633.9537.5650.9758.4166.17
Gross NPA %2.58%3.79%4.26%4.01%3.62%3.28%3.98%4.30%4.22%3.41%2.58%2.25%1.58%
Net NPA %2.31%3.40%3.82%3.59%3.23%2.90%3.48%3.68%3.51%2.79%2.10%1.86%1.30%

Last Updated: March 3, 2026, 7:16 pm

Below is a detailed analysis of the quarterly data for Muthoot Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:

  • For Interest, as of Dec 2025, the value is 2,647.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,313.00 Cr. (Sep 2025) to 2,647.00 Cr., marking an increase of 334.00 Cr..
  • For Expenses, as of Dec 2025, the value is 1,007.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 971.00 Cr. (Sep 2025) to 1,007.00 Cr., marking an increase of 36.00 Cr..
  • For Other Income, as of Dec 2025, the value is 20.00 Cr.. The value appears to be declining and may need further review. It has decreased from 29.00 Cr. (Sep 2025) to 20.00 Cr., marking a decrease of 9.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 28.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 26.00 Cr. (Sep 2025) to 28.00 Cr., marking an increase of 2.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 3,582.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,151.00 Cr. (Sep 2025) to 3,582.00 Cr., marking an increase of 431.00 Cr..
  • For Tax %, as of Dec 2025, the value is 26.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 26.00%.
  • For Net Profit, as of Dec 2025, the value is 2,656.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,345.00 Cr. (Sep 2025) to 2,656.00 Cr., marking an increase of 311.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 66.17. The value appears strong and on an upward trend. It has increased from 58.41 (Sep 2025) to 66.17, marking an increase of 7.76.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 3:16 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue4,9474,3254,8755,7466,2676,8788,71510,55711,08210,51512,63517,09924,233
Interest 2,6302,1082,2602,2981,9352,2432,7963,6993,8453,7094,6676,4668,958
Expenses 1,0771,1051,2411,4791,5101,5181,8271,8181,8912,1102,5133,5433,775
Financing Profit1,2411,1121,3741,9692,8223,1174,0925,0405,3474,6965,4557,09111,499
Financing Margin %25%26%28%34%45%45%47%48%48%45%43%41%47%
Other Income 000066281716295957100
Depreciation 478458484442435154586677100
Profit before tax 1,1941,0281,3171,9212,8453,0774,0575,0075,3094,6665,4497,07111,499
Tax % 35%35%39%39%38%36%26%26%26%26%26%26%
Net Profit 7806718101,1801,7781,9723,0183,7223,9543,4744,0505,2018,556
EPS in Rs 20.9916.8520.2929.5344.4349.2275.2692.7898.5386.52100.87129.54213.11
Dividend Payout % 29%36%30%20%23%24%20%22%20%25%24%20%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 372398399399400401401401401401401401401
Reserves 3,8934,6865,2206,1177,4129,39211,17114,83817,94320,66023,88928,03631,442
Borrowing19,47819,43618,56720,98521,16726,83337,13045,94649,81149,73458,78389,820111,945
Other Liabilities 1,8522,2502,8623,2111,8131,4431,7582,2802,3991,8241,9552,9913,680
Total Liabilities 25,59426,76927,04930,71330,79238,06950,46063,46570,55572,62085,028121,249147,468
Fixed Assets 313257218208200193228247267272350480472
CWIP 14791062329384667881310
Investments 3538982093959831,4381,5901,3201,3172,2684,4997,931
Other Assets 25,23226,46726,72330,28630,19136,87148,76561,58968,92170,96482,322116,257139,055
Total Assets 25,59426,76927,04930,71330,79238,06950,46063,46570,55572,62085,028121,249147,468

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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 5,726-460214-1,710-87-3,858-4,458-7,477-1,142-1,902-9,302-25,855
Cash from Investing Activity + -3-16-67-134-194-585-42948408188-739-1,944
Cash from Financing Activity + -5,107254-1,2042,457-5545,7018,6789,0412,796-1,0368,64929,933
Net Cash Flow 617-222-1,058613-8341,2583,7911,6122,062-2,750-1,3922,134

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 20%14%15%19%25%22%28%28%24%18%18%20%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 73.35%73.35%73.35%73.35%73.35%73.35%73.35%73.35%73.35%73.35%73.35%73.35%
FIIs 9.37%8.70%8.12%8.34%8.33%8.68%9.85%10.26%11.02%10.84%11.58%11.75%
DIIs 12.66%13.73%14.64%14.61%14.72%14.55%13.30%12.99%11.75%12.21%11.37%11.13%
Public 4.61%4.21%3.87%3.72%3.59%3.41%3.50%3.38%3.87%3.60%3.70%3.77%
No. of Shareholders 2,72,1482,46,5972,17,2332,03,2841,94,9511,82,9902,98,3043,04,5283,05,6722,88,6882,99,7093,05,964

Shareholding Pattern Chart

No. of Shareholders

Muthoot Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Equity Hybrid Fund 7,000,000 3.3 2680.729,000,0002025-12-08 00:51:45-22.22%
SBI Focused Fund 7,000,000 6.23 2680.72N/AN/AN/A
Motilal Oswal Large and Midcap Fund 1,772,270 4.65 678.711,736,0082026-02-23 03:00:282.09%
SBI Flexicap Fund 1,381,107 2.28 528.911,777,1072025-12-14 03:35:27-22.28%
SBI Banking & Financial Services Fund 1,174,249 4.32 449.691,074,2492026-02-22 17:44:089.31%
Tata Value Fund 1,098,000 4.77 420.491,143,0002026-02-22 17:21:01-3.94%
ICICI Prudential MidCap Fund 824,501 4.53 315.75N/AN/AN/A
SBI Childrens Fund - Investment Plan 700,000 5.18 268.07N/AN/AN/A
HSBC Midcap Fund 664,144 2.09 254.34820,8402026-02-22 14:13:56-19.09%
PGIM India Midcap Fund 556,915 1.98 213.28779,7112026-02-22 12:50:49-28.57%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) 132.84107.7289.99100.1094.84
Diluted EPS (Rs.) 132.83107.7189.98100.0594.76
Cash EPS (Rs.) 136.21113.5893.36102.1996.87
Book Value[Excl.RevalReserv]/Share (Rs.) 731.49625.39551.82476.84392.82
Book Value[Incl.RevalReserv]/Share (Rs.) 731.49625.39551.82476.84392.82
Revenue From Operations / Share (Rs.) 503.51375.17296.37303.60287.41
PBDIT / Share (Rs.) 368.51286.92229.42242.59231.78
PBIT / Share (Rs.) 365.62284.62227.47240.84230.10
PBT / Share (Rs.) 180.99149.37122.63134.80127.90
Net Profit / Share (Rs.) 133.32111.2891.41100.4495.19
NP After MI And SOA / Share (Rs.) 132.84107.7189.98100.0894.83
PBDIT Margin (%) 73.1876.4777.4179.9080.64
PBIT Margin (%) 72.6175.8676.7579.3280.05
PBT Margin (%) 35.9439.8141.3744.4044.50
Net Profit Margin (%) 26.4729.6630.8433.0833.11
NP After MI And SOA Margin (%) 26.3828.7130.3632.9632.99
Return on Networth / Equity (%) 18.1517.2216.6721.3824.42
Return on Capital Employeed (%) 47.5543.4224.1128.8729.19
Return On Assets (%) 4.014.484.505.265.54
Long Term Debt / Equity (X) 0.000.000.700.720.98
Total Debt / Equity (X) 3.382.722.572.903.24
Asset Turnover Ratio (%) 0.170.170.140.150.17
Current Ratio (X) 1.291.361.881.771.84
Quick Ratio (X) 1.291.361.881.771.84
Dividend Payout Ratio (NP) (%) 18.0620.4222.2219.970.00
Dividend Payout Ratio (CP) (%) 17.6819.9921.7519.630.00
Earning Retention Ratio (%) 81.9479.5877.7880.030.00
Cash Earning Retention Ratio (%) 82.3280.0178.2580.370.00
Interest Coverage Ratio (X) 2.002.122.192.292.27
Interest Coverage Ratio (Post Tax) (X) 1.721.821.871.951.93
Enterprise Value (Cr.) 187269.98121977.9187557.3897948.6590952.44
EV / Net Operating Revenue (X) 9.268.107.368.047.89
EV / EBITDA (X) 12.6610.599.5110.069.78
MarketCap / Net Operating Revenue (X) 4.733.943.304.384.20
Retention Ratios (%) 81.9379.5777.7780.020.00
Price / BV (X) 3.262.361.812.843.11
Price / Net Operating Revenue (X) 4.733.943.304.384.20
EarningsYield 0.050.070.090.070.07

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.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Muthoot Finance Ltd as of March 9, 2026 is: ₹2,114.94

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 9, 2026, Muthoot Finance Ltd is Overvalued by 36.03% compared to the current share price ₹3,306.00

Intrinsic Value of Muthoot Finance Ltd as of March 9, 2026 is: ₹2,467.77

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 9, 2026, Muthoot Finance Ltd is Overvalued by 25.35% compared to the current share price ₹3,306.00

Last 5 Year EPS CAGR: 16.68%

*Investments are subject to market risks

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:
    1. 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.
    2. 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.
    3. 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.
    4. 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.
    5. 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.
    6. Stock P/E: 15.5 (Industry average Stock P/E: 172.03)
      • 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.
    7. 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Muthoot Finance Ltd. is a Public Limited Listed company incorporated on 14/03/1997 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65910KL1997PLC011300 and registration number is 011300. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 17099.09 Cr. and Equity Capital is Rs. 401.46 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)NH Bypass, Palarivattom, Kochi Kerala 682028Contact not found
Management
NamePosition Held
Mr. George Jacob MuthootChairman & Wholetime Director
Mr. George Alexander MuthootManaging Director
Mr. George Thomas MuthootWhole Time Director
Mr. Alexander GeorgeWhole Time Director
Mr. George AlexanderWhole Time Director
Mr. George Muthoot JacobWhole Time Director
Mr. George Muthoot GeorgeWhole Time Director
Mr. Vadakkekara Anthony GeorgeIndependent Director
Mr. C A MohanIndependent Director
Mr. Ravindra PisharodyIndependent Director
Mrs. Usha SunnyIndependent Director
Mr. Joseph KorahIndependent Director
Mr. Jose MathewIndependent Director
Mr. Abraham ChackoIndependent Director
Mr. George JosephIndependent Director

FAQ

What is the intrinsic value of Muthoot Finance Ltd?

Muthoot Finance Ltd's intrinsic value (as of 09 March 2026) is ₹2467.77 which is 25.35% lower the current market price of ₹3,306.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,32,742 Cr. market cap, FY2025-2026 high/low of ₹4,150/1,964, 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 1,32,742 Cr..

What is the current Stock Price of Muthoot Finance Ltd as on 09 March 2026?

The current stock price of Muthoot Finance Ltd as on 09 March 2026 is ₹3,306.

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 ₹4,150/1,964.

What is the Stock P/E of Muthoot Finance Ltd?

The Stock P/E of Muthoot Finance Ltd is 15.5.

What is the Book Value of Muthoot Finance Ltd?

The Book Value of Muthoot Finance Ltd is 859.

What is the Dividend Yield of Muthoot Finance Ltd?

The Dividend Yield of Muthoot Finance Ltd is 0.79 %.

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.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Muthoot Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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