Share Price and Basic Stock Data
Last Updated: January 15, 2026, 3:22 am
| PEG Ratio | 1.69 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Muthoot Finance Ltd operates primarily in the finance and investments sector, with a current market capitalization of ₹1,58,086 Cr and a stock price of ₹3,938. The company reported a total revenue of ₹21,413 Cr for the trailing twelve months (TTM), with a significant growth trajectory observed in its quarterly revenues. The revenue increased from ₹2,498 Cr in September 2022 to ₹3,060 Cr in September 2023, marking a year-on-year growth of approximately 22.5%. This uptrend is expected to continue, with projections for revenues to reach ₹4,117 Cr by September 2024, reflecting a robust demand for its financial products. The financing profit margin has remained solid, indicating a favorable operating environment. Despite fluctuations in the financing margin percentage, which stood at 44% in September 2023, the overall revenue growth demonstrates Muthoot Finance’s resilience in a competitive market.
Profitability and Efficiency Metrics
Muthoot Finance’s profitability metrics reveal a strong operational performance. The net profit for the TTM stood at ₹7,262 Cr, with a net profit margin of 26.47% for the fiscal year ending March 2025. The company recorded a return on equity (ROE) of 19.7%, which is commendable compared to industry norms. The interest coverage ratio (ICR) of 2.00x indicates that Muthoot Finance comfortably manages its interest obligations, underscoring its financial health. However, the gross non-performing assets (NPA) ratio increased to 4.01% in September 2023, highlighting a risk area that requires monitoring. The company has shown an ability to maintain profitability even amidst rising interest costs, as evidenced by the consistent financing profit which grew to ₹1,332 Cr in September 2023. This combination of strong profitability metrics and effective cost management enhances Muthoot’s position in the finance sector.
Balance Sheet Strength and Financial Ratios
The balance sheet of Muthoot Finance reflects significant strength, with total assets amounting to ₹1,47,468 Cr as of September 2025. The company’s reserves have grown to ₹31,442 Cr, indicating a solid capital base for future growth. The debt-to-equity ratio reported at 3.38x suggests a high leverage level, which poses risks if not managed prudently. However, the company has no long-term debt, which mitigates some risk associated with high leverage. The price-to-book value ratio stands at 3.26x, indicating that the stock is trading at a premium compared to its book value, reflecting positive market sentiment. Furthermore, Muthoot’s return on capital employed (ROCE) of 47.55% showcases its efficient asset utilization. Overall, the balance sheet metrics indicate stability, but the high leverage warrants careful scrutiny moving forward.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Muthoot Finance illustrates a stable ownership structure, with promoters holding 73.35% of the shares. This significant promoter stake indicates strong internal confidence in the company’s long-term prospects. Foreign institutional investors (FIIs) have increased their stake to 11.58% as of September 2025, up from 10% in December 2022, reflecting growing international interest. Domestic institutional investors (DIIs) hold 11.37%, showing a balanced interest from both domestic and foreign investors. The total number of shareholders stands at 2,99,709, indicating a broad base of retail investors. However, the declining public shareholding from 4.62% in December 2022 to 3.70% in September 2025 suggests a potential consolidation trend, which needs monitoring to ensure it does not adversely affect liquidity and market perception.
Outlook, Risks, and Final Insight
Looking ahead, Muthoot Finance is well-positioned for continued growth, bolstered by its strong revenue trends and profitability metrics. However, risks such as increasing NPAs, which stood at 4.01% in September 2023, and high leverage ratios must be carefully managed to sustain this growth. The company may face challenges in maintaining its profitability margins if interest rates rise or if economic conditions deteriorate. Additionally, competition in the finance sector is intensifying, which could pressure margins. Nevertheless, Muthoot’s solid balance sheet, combined with its effective management strategies, provides a strong foundation for navigating these challenges. If the company effectively addresses its risk factors while leveraging its growth potential, it could enhance shareholder value significantly in the coming years.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 391 Cr. | 1,017 | 1,900/972 | 50.6 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 66.1 Cr. | 39.3 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 45.3 Cr. | 84.0 | 139/68.6 | 189 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 54.8 Cr. | 42.0 | 68.5/37.0 | 48.5 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.6 Cr. | 31.2 | 165/26.5 | 72.4 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,978.26 Cr | 1,464.04 | 46.71 | 3,630.28 | 0.38% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,498 | 2,660 | 2,853 | 2,999 | 3,060 | 3,168 | 3,409 | 3,704 | 4,117 | 4,423 | 4,854 | 5,703 | 6,432 |
| Interest | 903 | 914 | 941 | 1,064 | 1,156 | 1,212 | 1,223 | 1,351 | 1,550 | 1,648 | 1,880 | 2,119 | 2,313 |
| Expenses | 426 | 531 | 690 | 635 | 572 | 566 | 753 | 849 | 852 | 913 | 966 | 832 | 971 |
| Financing Profit | 1,169 | 1,214 | 1,223 | 1,300 | 1,332 | 1,390 | 1,434 | 1,504 | 1,715 | 1,863 | 2,009 | 2,752 | 3,149 |
| Financing Margin % | 47% | 46% | 43% | 43% | 44% | 44% | 42% | 41% | 42% | 42% | 41% | 48% | 49% |
| Other Income | 6 | 7 | 10 | 28 | 14 | 8 | 9 | 6 | 9 | 8 | 34 | 17 | 29 |
| Depreciation | 14 | 15 | 17 | 13 | 15 | 17 | 19 | 18 | 16 | 20 | 23 | 24 | 26 |
| Profit before tax | 1,161 | 1,207 | 1,216 | 1,315 | 1,330 | 1,380 | 1,424 | 1,492 | 1,708 | 1,851 | 2,020 | 2,745 | 3,151 |
| Tax % | 25% | 25% | 26% | 26% | 26% | 26% | 26% | 28% | 27% | 26% | 25% | 25% | 26% |
| Net Profit | 867 | 902 | 903 | 975 | 991 | 1,027 | 1,056 | 1,079 | 1,251 | 1,363 | 1,508 | 2,046 | 2,345 |
| EPS in Rs | 21.60 | 22.46 | 22.49 | 24.29 | 24.69 | 25.59 | 26.31 | 26.87 | 31.16 | 33.95 | 37.56 | 50.97 | 58.41 |
| 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% | |
| 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% |
Last Updated: December 29, 2025, 10:06 pm
Below is a detailed analysis of the quarterly data for Muthoot Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 2,313.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,119.00 Cr. (Jun 2025) to 2,313.00 Cr., marking an increase of 194.00 Cr..
- For Expenses, as of Sep 2025, the value is 971.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 832.00 Cr. (Jun 2025) to 971.00 Cr., marking an increase of 139.00 Cr..
- For Other Income, as of Sep 2025, the value is 29.00 Cr.. The value appears strong and on an upward trend. It has increased from 17.00 Cr. (Jun 2025) to 29.00 Cr., marking an increase of 12.00 Cr..
- For Depreciation, as of Sep 2025, the value is 26.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 24.00 Cr. (Jun 2025) to 26.00 Cr., marking an increase of 2.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 3,151.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,745.00 Cr. (Jun 2025) to 3,151.00 Cr., marking an increase of 406.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Jun 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 2,345.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,046.00 Cr. (Jun 2025) to 2,345.00 Cr., marking an increase of 299.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 58.41. The value appears strong and on an upward trend. It has increased from 50.97 (Jun 2025) to 58.41, marking an increase of 7.44.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:57 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 | 21,413 |
| 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 | 7,959 |
| 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 | 3,682 |
| 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 | 9,773 |
| Financing Margin % | 25% | 26% | 28% | 34% | 45% | 45% | 47% | 48% | 48% | 45% | 43% | 41% | 46% |
| Other Income | 0 | 0 | 0 | 0 | 66 | 2 | 8 | 17 | 16 | 29 | 59 | 57 | 87 |
| Depreciation | 47 | 84 | 58 | 48 | 44 | 42 | 43 | 51 | 54 | 58 | 66 | 77 | 92 |
| 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 | 9,768 |
| 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 | 7,262 |
| 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 | 180.89 |
| 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
| 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
| 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 | 3.16 | 2620.94 | 9,000,000 | 2025-12-08 00:51:45 | -22.22% |
| SBI Focused Fund | 7,000,000 | 6.13 | 2620.94 | N/A | N/A | N/A |
| Motilal Oswal Large and Midcap Fund | 1,600,060 | 3.96 | 599.09 | 1,612,976 | 2025-12-15 07:59:16 | -0.8% |
| SBI Multicap Fund | 1,550,000 | 2.42 | 580.35 | 3,300,000 | 2025-12-08 00:00:23 | -53.03% |
| SBI Large & Midcap Fund | 1,520,950 | 1.54 | 569.47 | 2,647,601 | 2025-12-07 15:06:48 | -42.55% |
| SBI Flexicap Fund | 1,381,107 | 2.2 | 517.11 | 1,777,107 | 2025-12-14 03:35:27 | -22.28% |
| Tata Value Fund | 1,143,000 | 4.74 | 427.96 | N/A | N/A | N/A |
| PGIM India Midcap Fund | 1,079,711 | 3.51 | 404.27 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 1,074,249 | 4.1 | 402.22 | N/A | N/A | N/A |
| ICICI Prudential MidCap Fund | 824,501 | 4.38 | 308.71 | 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
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: 21.8 (Industry average Stock P/E: 46.71)
- 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 | Contact not found |
| 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 15 January 2026) is ₹2742.48 which is 30.36% lower the current market price of ₹3,938.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹1,58,102 Cr. market cap, FY2025-2026 high/low of ₹3,995/1,964, 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 1,58,102 Cr..
What is the current Stock Price of Muthoot Finance Ltd as on 15 January 2026?
The current stock price of Muthoot Finance Ltd as on 15 January 2026 is ₹3,938.
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 ₹3,995/1,964.
What is the Stock P/E of Muthoot Finance Ltd?
The Stock P/E of Muthoot Finance Ltd is 21.8.
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 0.66 %.
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.