Share Price and Basic Stock Data
Last Updated: October 27, 2025, 7:19 pm
| PEG Ratio | 2.21 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Muthoot Finance Ltd operates in the Finance & Investments sector, with its share price recorded at ₹3,275 and a market capitalization of ₹1,31,469 Cr. The company’s revenue has shown a consistent upward trend, standing at ₹2,504 Cr in June 2022 and rising to ₹3,060 Cr by September 2023. This represents a notable increase of approximately 22% over the past year. In the most recent quarter reported, Muthoot Finance recorded revenue of ₹3,168 Cr for December 2023, marking a 10% quarter-on-quarter growth. The company is well-positioned in the market, with a diverse portfolio and a strategic focus on gold loans, which constitute a significant portion of its business. With a total of 2,88,688 shareholders, Muthoot Finance has successfully attracted both institutional and retail investors, indicating robust market confidence. The revenue growth trajectory aligns with the company’s business model, which leverages India’s increasing demand for gold-backed financing solutions, a sector that continues to thrive amidst economic fluctuations.
Profitability and Efficiency Metrics
Muthoot Finance’s profitability metrics reflect solid operational efficiency, with a reported net profit of ₹5,201 Cr, corresponding to a net profit margin of 26.47% for the fiscal year 2025. The company has maintained a return on equity (ROE) of 19.7%, indicating effective management of shareholder equity and a strong ability to generate returns. The interest coverage ratio (ICR) stood at 2.00x, illustrating the company’s capacity to meet its interest obligations comfortably. The financing margin fluctuated around 43% to 48% across various quarters, showcasing the firm’s ability to maintain healthy profit margins. However, gross non-performing assets (NPA) reached a peak of 4.26% in June 2023, slightly above typical sector ranges, which poses a risk to future profitability. The company has also recorded a consistent increase in earnings per share (EPS), which rose to ₹132.84 for the fiscal year 2025, reflecting strong earnings growth relative to its share price.
Balance Sheet Strength and Financial Ratios
Muthoot Finance’s balance sheet demonstrates significant strength, with total assets amounting to ₹1,21,249 Cr as of March 2025. The company reported reserves of ₹28,036 Cr, showcasing a robust equity position that supports its lending operations. The equity capital remained stable at ₹401 Cr, while borrowings increased to ₹89,820 Cr, indicating a leveraged growth strategy to fund its expansion. The debt-to-equity ratio stood at 3.38x, which is relatively high compared to sector norms, suggesting that while the company is aggressively pursuing growth, it may face increased financial risk if not managed carefully. The return on capital employed (ROCE) was reported at 47.55%, reflecting efficient use of capital in generating profits. Overall, Muthoot Finance’s financial ratios signify a well-capitalized firm that is effectively managing its resources to support ongoing growth and operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Muthoot Finance reveals a strong promoter presence, with promoters holding 73.35% of the company. This substantial stake suggests a high level of confidence from the founding group in the company’s long-term vision. Foreign institutional investors (FIIs) and domestic institutional investors (DIIs) held 10.84% and 12.21%, respectively, reflecting a balanced mix of institutional investment. Notably, the number of shareholders increased to 2,88,688, indicating growing interest and confidence among retail investors. However, the public shareholding has been on a declining trend, dropping to 3.60%, which could raise concerns regarding liquidity and market participation. The stability in the promoter’s stake combined with a diverse institutional base provides a strong foundation for investor confidence, although the declining public participation may warrant attention to maintain broader market engagement.
Outlook, Risks, and Final Insight
Moving forward, Muthoot Finance appears well-positioned to capitalize on the growing demand for gold loans, particularly in an economic environment where liquidity is paramount. However, the company faces potential risks, including rising NPAs, which reached 4.26% in June 2023, and increasing competition in the financial services sector. The high debt-to-equity ratio of 3.38x could also pose challenges, particularly if interest rates rise or if there are fluctuations in gold prices, which could impact collateral values. Nevertheless, Muthoot’s strategic focus on core strengths, such as gold loans and customer engagement, along with its robust financial metrics, provides a solid platform for sustained growth. The outlook remains cautiously optimistic, contingent on effective risk management and maintaining asset quality, which will be crucial for long-term success in the competitive finance landscape.
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 | 526 Cr. | 1,370 | 2,400/1,151 | 62.2 | 267 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 81.2 Cr. | 48.3 | 69.2/19.2 | 15.8 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 47.4 Cr. | 87.9 | 170/68.6 | 197 | 21.0 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 57.1 Cr. | 46.5 | 76.2/37.0 | 27.2 | 22.2 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 12.8 Cr. | 34.6 | 165/29.0 | 45.8 | 11.8 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,092.35 Cr | 1,684.62 | 43.39 | 3,570.90 | 0.36% | 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: June 16, 2025, 11:40 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 372 | 398 | 399 | 399 | 400 | 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 |
| 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 |
| 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 |
| 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 |
| Fixed Assets | 313 | 257 | 218 | 208 | 200 | 193 | 228 | 247 | 267 | 272 | 350 | 480 |
| CWIP | 14 | 7 | 9 | 10 | 6 | 23 | 29 | 38 | 46 | 67 | 88 | 13 |
| Investments | 35 | 38 | 98 | 209 | 395 | 983 | 1,438 | 1,590 | 1,320 | 1,317 | 2,268 | 4,499 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Muthoot Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 401.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 401.00 Cr..
- For Reserves, as of Mar 2025, the value is 28,036.00 Cr.. The value appears strong and on an upward trend. It has increased from 23,889.00 Cr. (Mar 2024) to 28,036.00 Cr., marking an increase of 4,147.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 2,991.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,955.00 Cr. (Mar 2024) to 2,991.00 Cr., marking an increase of 1,036.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 121,249.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 85,028.00 Cr. (Mar 2024) to 121,249.00 Cr., marking an increase of 36,221.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 480.00 Cr.. The value appears strong and on an upward trend. It has increased from 350.00 Cr. (Mar 2024) to 480.00 Cr., marking an increase of 130.00 Cr..
- For CWIP, as of Mar 2025, the value is 13.00 Cr.. The value appears to be declining and may need further review. It has decreased from 88.00 Cr. (Mar 2024) to 13.00 Cr., marking a decrease of 75.00 Cr..
- For Investments, as of Mar 2025, the value is 4,499.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,268.00 Cr. (Mar 2024) to 4,499.00 Cr., marking an increase of 2,231.00 Cr..
- For Other Assets, as of Mar 2025, the value is 116,257.00 Cr.. The value appears strong and on an upward trend. It has increased from 82,322.00 Cr. (Mar 2024) to 116,257.00 Cr., marking an increase of 33,935.00 Cr..
- For Total Assets, as of Mar 2025, the value is 121,249.00 Cr.. The value appears strong and on an upward trend. It has increased from 85,028.00 Cr. (Mar 2024) to 121,249.00 Cr., marking an increase of 36,221.00 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 Focused Equity Fund | 15,300,000 | 7.39 | 2267.31 | 15,300,000 | 2025-04-22 15:17:20 | 0% |
| SBI Equity Hybrid Fund | 9,000,000 | 2.17 | 1333.71 | 9,000,000 | 2025-04-22 15:16:47 | 0% |
| SBI Multicap Fund | 3,300,000 | 3.54 | 489.03 | 3,300,000 | 2025-04-22 15:55:58 | 0% |
| SBI Large & Midcap Fund | 2,647,601 | 2.28 | 392.35 | 2,647,601 | 2025-04-22 15:55:58 | 0% |
| ICICI Prudential India Opportunities Fund | 2,279,566 | 2.45 | 337.81 | 2,279,566 | 2025-04-22 15:55:58 | 0% |
| ICICI Prudential Balanced Advantage Fund | 2,073,429 | 0.59 | 307.26 | 2,073,429 | 2025-04-22 15:55:58 | 0% |
| ICICI Prudential Multi Asset Fund | 1,933,035 | 1.03 | 286.46 | 1,933,035 | 2025-04-22 15:55:58 | 0% |
| ICICI Prudential Banking and Financial Services | 1,879,026 | 3.97 | 278.45 | 1,879,026 | 2025-04-22 15:55:58 | 0% |
| SBI Flexi Cap Fund | 1,819,568 | 1.45 | 269.64 | 1,819,568 | 2025-04-22 15:55:58 | 0% |
| ICICI Prudential Value Discovery Fund | 1,739,154 | 0.73 | 257.73 | 1,739,154 | 2025-04-22 15:55:58 | 0% |
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: 20.5 (Industry average Stock P/E: 43.39)
- 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 27 October 2025) is 2391.09 which is 24.00% lower the current market price of 3,146.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 1,26,312 Cr. market cap, FY2025-2026 high/low of 3,378/1,752, reserves of ₹28,036 Cr, and liabilities of 121,249 Cr.
What is the Market Cap of Muthoot Finance Ltd?
The Market Cap of Muthoot Finance Ltd is 1,26,312 Cr..
What is the current Stock Price of Muthoot Finance Ltd as on 27 October 2025?
The current stock price of Muthoot Finance Ltd as on 27 October 2025 is 3,146.
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 3,378/1,752.
What is the Stock P/E of Muthoot Finance Ltd?
The Stock P/E of Muthoot Finance Ltd is 20.5.
What is the Book Value of Muthoot Finance Ltd?
The Book Value of Muthoot Finance Ltd is 734.
What is the Dividend Yield of Muthoot Finance Ltd?
The Dividend Yield of Muthoot Finance Ltd is 0.83 %.
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.