Muthoot Finance Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 8, 2025, 11:19 am

Market Cap	87,497 Cr.
Current Price	2,179
High / Low	2,335/1,321
Stock P/E	18.4
Book Value	673
Dividend Yield	1.10 %
ROCE	13.2 %
ROE	17.9 %
Face Value	10.0
PEG Ratio	3.70

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

Stock P/E Current Price Intrinsic Value

View Share Price Target for Muthoot Finance Ltd

Competitors of Muthoot Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
My Money Securities Ltd	35.8 Cr.	21.3	69.2/0.00	3.44	18.5	0.00 %	12.0 %	11.3 %	10.0
Nam Securities Ltd	51.2 Cr.	95.0	198/94.4	183	21.2	0.00 %	4.16 %	3.05 %	10.0
ICDS Ltd	49.0 Cr.	41.0	76.2/32.5	55.7	22.2	0.00 %	9.12 %	7.69 %	10.0
HCKK Ventures Ltd	58.2 Cr.	157	157/77.4	277	11.6	0.00 %	8.17 %	6.44 %	10.0
Ujjivan Financial Services Ltd	7,179 Cr.	590	593/463	8.75	299	0.59 %	10.3 %	32.1 %	10.0
Industry Average	19,297.43 Cr	1,406.42		44.62	4,322.74	0.54%	11.00%	14.73%	7.89

All Competitor Stocks of Muthoot Finance Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	2,868	2,670	2,504	2,498	2,660	2,853	2,999	3,060	3,168	3,409	3,704	4,117	4,423
Interest	953	921	942	903	914	941	1,064	1,156	1,212	1,223	1,351	1,550	1,648
Expenses	527	450	473	426	531	690	635	572	566	753	849	852	913
Financing Profit	1,388	1,299	1,089	1,169	1,214	1,223	1,300	1,332	1,390	1,434	1,504	1,715	1,863
Financing Margin %	48%	49%	44%	47%	46%	43%	43%	44%	44%	42%	41%	42%	42%
Other Income	4	8	5	6	7	10	28	14	8	9	6	9	8
Depreciation	14	16	13	14	15	17	13	15	17	19	18	16	20
Profit before tax	1,378	1,292	1,082	1,161	1,207	1,216	1,315	1,330	1,380	1,424	1,492	1,708	1,851
Tax %	25%	26%	26%	25%	25%	26%	26%	26%	26%	26%	28%	27%	26%
Net Profit	1,029	960	802	867	902	903	975	991	1,027	1,056	1,079	1,251	1,363
EPS in Rs	25.64	23.93	19.98	21.60	22.46	22.49	24.29	24.69	25.59	26.31	26.87	31.16	33.95
Gross NPA %		2.99%	2.13%		2.58%	3.79%	4.26%	4.01%	3.62%	3.28%	3.98%	4.30%	4.22%
Net NPA %		2.68%	1.90%		2.31%	3.40%	3.82%	3.59%	3.23%	2.90%	3.48%	3.68%	3.51%

Last Updated: February 28, 2025, 6:18 pm

Below is a detailed analysis of the quarterly data for Muthoot Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹1,648.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,550.00 Cr. (Sep 2024) to ₹1,648.00 Cr., marking an increase of ₹98.00 Cr..
For Expenses, as of Dec 2024, the value is ₹913.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 852.00 Cr. (Sep 2024) to ₹913.00 Cr., marking an increase of ₹61.00 Cr..
For Other Income, as of Dec 2024, the value is ₹8.00 Cr.. The value appears to be declining and may need further review. It has decreased from 9.00 Cr. (Sep 2024) to ₹8.00 Cr., marking a decrease of 1.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹20.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 16.00 Cr. (Sep 2024) to ₹20.00 Cr., marking an increase of ₹4.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹1,851.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,708.00 Cr. (Sep 2024) to ₹1,851.00 Cr., marking an increase of ₹143.00 Cr..
For Tax %, as of Dec 2024, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Sep 2024) to 26.00%, marking a decrease of 1.00%.
For Net Profit, as of Dec 2024, the value is ₹1,363.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,251.00 Cr. (Sep 2024) to ₹1,363.00 Cr., marking an increase of ₹112.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 33.95. The value appears strong and on an upward trend. It has increased from ₹31.16 (Sep 2024) to 33.95, marking an increase of ₹2.79.

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: March 6, 2025, 3:26 pm

Metric	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Revenue	5,387	4,947	4,325	4,875	5,746	6,267	6,878	8,715	10,557	11,082	10,515	12,635	15,654
Interest	2,823	2,630	2,108	2,260	2,298	1,935	2,243	2,796	3,699	3,845	3,709	4,667	5,772
Expenses	1,007	1,077	1,105	1,241	1,479	1,510	1,518	1,827	1,818	1,891	2,110	2,513	3,367
Financing Profit	1,557	1,241	1,112	1,374	1,969	2,822	3,117	4,092	5,040	5,347	4,696	5,455	6,515
Financing Margin %	29%	25%	26%	28%	34%	45%	45%	47%	48%	48%	45%	43%	42%
Other Income	0	0	0	0	0	66	2	8	17	16	29	59	32
Depreciation	45	47	84	58	48	44	42	43	51	54	58	66	74
Profit before tax	1,511	1,194	1,028	1,317	1,921	2,845	3,077	4,057	5,007	5,309	4,666	5,449	6,474
Tax %	34%	35%	35%	39%	39%	38%	36%	26%	26%	26%	26%	26%
Net Profit	1,004	780	671	810	1,180	1,778	1,972	3,018	3,722	3,954	3,474	4,050	4,749
EPS in Rs	27.02	20.99	16.85	20.29	29.53	44.43	49.22	75.26	92.78	98.53	86.52	100.87	118.29
Dividend Payout %	17%	29%	36%	30%	20%	23%	24%	20%	22%	20%	25%	24%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-22.31%	-13.97%	20.72%	45.68%	50.68%	10.91%	53.04%	23.33%	6.23%	-12.14%	16.58%
Change in YoY Net Profit Growth (%)	0.00%	8.34%	34.69%	24.96%	5.00%	-39.77%	42.13%	-29.72%	-17.09%	-18.37%	28.72%

Muthoot Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

No data available for the compounded sales growth chart.

Balance Sheet

Last Updated: November 14, 2024, 8:01 pm

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
Equity Capital	372	372	398	399	399	400	401	401	401	401	401	401	401
Reserves	3,364	3,893	4,686	5,220	6,117	7,412	9,392	11,171	14,838	17,943	20,660	23,889	25,282
Borrowings	24,081	19,478	19,436	18,567	20,985	21,167	26,833	37,130	45,946	49,811	49,734	58,783	72,343
Other Liabilities	1,600	1,852	2,250	2,862	3,211	1,813	1,443	1,758	2,280	2,399	1,824	1,955	2,491
Total Liabilities	29,416	25,594	26,769	27,049	30,713	30,792	38,069	50,460	63,465	70,555	72,620	85,028	100,518
Fixed Assets	289	313	257	218	208	200	193	228	247	267	272	350	352
CWIP	14	14	7	9	10	6	23	29	38	46	67	88	101
Investments	82	35	38	98	209	395	983	1,438	1,590	1,320	1,317	2,268	2,698
Other Assets	29,031	25,232	26,467	26,723	30,286	30,191	36,871	48,765	61,589	68,921	70,964	82,322	97,366
Total Assets	29,416	25,594	26,769	27,049	30,713	30,792	38,069	50,460	63,465	70,555	72,620	85,028	100,518

Below is a detailed analysis of the balance sheet data for Muthoot Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹25,282.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹23,889.00 Cr. (Mar 2024) to ₹25,282.00 Cr., marking an increase of 1,393.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹72,343.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹58,783.00 Cr. (Mar 2024) to ₹72,343.00 Cr., marking an increase of 13,560.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹2,491.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹1,955.00 Cr. (Mar 2024) to ₹2,491.00 Cr., marking an increase of 536.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹100,518.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹85,028.00 Cr. (Mar 2024) to ₹100,518.00 Cr., marking an increase of 15,490.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹352.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹350.00 Cr. (Mar 2024) to ₹352.00 Cr., marking an increase of 2.00 Cr..
For CWIP, as of Sep 2024, the value is ₹101.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹88.00 Cr. (Mar 2024) to ₹101.00 Cr., marking an increase of 13.00 Cr..
For Investments, as of Sep 2024, the value is ₹2,698.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹2,268.00 Cr. (Mar 2024) to ₹2,698.00 Cr., marking an increase of 430.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹97,366.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹82,322.00 Cr. (Mar 2024) to ₹97,366.00 Cr., marking an increase of 15,044.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹100,518.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹85,028.00 Cr. (Mar 2024) to ₹100,518.00 Cr., marking an increase of 15,490.00 Cr..

However, the Borrowings (72,343.00 Cr.) are higher than the Reserves (₹25,282.00 Cr.), which may signal higher financial risk.

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-3,952	5,726	-460	214	-1,710	-87	-3,858	-4,458	-7,477	-1,142	-1,902	-9,302
Cash from Investing Activity +	-33	-3	-16	-67	-134	-194	-585	-429	48	408	188	-739
Cash from Financing Activity +	4,795	-5,107	254	-1,204	2,457	-554	5,701	8,678	9,041	2,796	-1,036	8,649
Net Cash Flow	809	617	-222	-1,058	613	-834	1,258	3,791	1,612	2,062	-2,750	-1,392

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-23.00	-18.00	-18.00	-17.00	-19.00	-20.00	-25.00	-36.00	-44.00	-48.00	-47.00	-56.00

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

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
ROE %	30%	20%	14%	15%	19%	25%	22%	28%	28%	24%	18%	18%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoters	73.37%	73.37%	73.37%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%
FIIs	13.67%	12.13%	10.96%	9.93%	10.00%	9.37%	8.70%	8.12%	8.34%	8.33%	8.68%	9.85%
DIIs	8.48%	9.67%	10.48%	11.76%	12.02%	12.66%	13.73%	14.64%	14.61%	14.72%	14.55%	13.30%
Public	4.48%	4.83%	5.20%	4.96%	4.62%	4.61%	4.21%	3.87%	3.72%	3.59%	3.41%	3.50%
No. of Shareholders	2,26,044	2,42,216	2,59,911	2,91,646	2,66,217	2,72,148	2,46,597	2,17,233	2,03,284	1,94,951	1,82,990	2,98,304

Shareholding Pattern Chart

No. of Shareholders

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	1,739,154	2025-03-10	779.74%
SBI Equity Hybrid Fund	9,000,000	2.17	1333.71	1,739,154	2025-03-10	417.49%
SBI Multicap Fund	3,300,000	3.54	489.03	1,739,154	2025-03-10	89.75%
SBI Large & Midcap Fund	2,647,601	2.28	392.35	1,739,154	2025-03-10	52.23%
ICICI Prudential India Opportunities Fund	2,279,566	2.45	337.81	1,739,154	2025-03-10	31.07%
ICICI Prudential Balanced Advantage Fund	2,073,429	0.59	307.26	1,739,154	2025-03-10	19.22%
ICICI Prudential Multi Asset Fund	1,933,035	1.03	286.46	1,739,154	2025-03-10	11.15%
ICICI Prudential Banking and Financial Services	1,879,026	3.97	278.45	1,739,154	2025-03-10	8.04%
SBI Flexi Cap Fund	1,819,568	1.45	269.64	1,739,154	2025-03-10	4.62%
ICICI Prudential Value Discovery Fund	1,739,154	0.73	257.73	1,739,154	2025-03-10	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	107.72	89.99	100.10	94.84	78.30
Diluted EPS (Rs.)	107.71	89.98	100.05	94.76	78.20
Cash EPS (Rs.)	113.58	93.36	102.19	96.87	80.49
Book Value[Excl.RevalReserv]/Share (Rs.)	641.51	551.82	476.84	392.82	299.26
Book Value[Incl.RevalReserv]/Share (Rs.)	641.51	551.82	476.84	392.82	299.26
Revenue From Operations / Share (Rs.)	375.17	296.37	303.60	287.41	241.47
PBDIT / Share (Rs.)	286.92	229.42	242.59	231.78	186.83
PBIT / Share (Rs.)	284.62	227.47	240.84	230.10	185.35
PBT / Share (Rs.)	149.37	122.63	134.80	127.90	106.23
Net Profit / Share (Rs.)	111.28	91.41	100.44	95.19	79.01
NP After MI And SOA / Share (Rs.)	107.71	89.98	100.08	94.83	78.25
PBDIT Margin (%)	76.47	77.41	79.90	80.64	77.36
PBIT Margin (%)	75.86	76.75	79.32	80.05	76.75
PBT Margin (%)	39.81	41.37	44.40	44.50	43.99
Net Profit Margin (%)	29.66	30.84	33.08	33.11	32.72
NP After MI And SOA Margin (%)	28.71	30.36	32.96	32.99	32.40
Return on Networth / Equity (%)	17.22	16.67	21.38	24.42	26.52
Return on Capital Employeed (%)	43.42	24.11	28.87	29.19	31.70
Return On Assets (%)	4.48	4.50	5.26	5.54	5.71
Long Term Debt / Equity (X)	0.00	0.70	0.72	0.98	0.92
Total Debt / Equity (X)	2.72	2.57	2.90	3.24	3.46
Asset Turnover Ratio (%)	0.17	0.14	0.15	0.17	0.18
Current Ratio (X)	1.36	1.88	1.77	1.84	1.73
Quick Ratio (X)	1.36	1.88	1.77	1.84	1.73
Dividend Payout Ratio (NP) (%)	20.42	22.22	19.97	0.00	34.48
Dividend Payout Ratio (CP) (%)	19.99	21.75	19.63	0.00	33.85
Earning Retention Ratio (%)	79.58	77.78	80.03	0.00	65.52
Cash Earning Retention Ratio (%)	80.01	78.25	80.37	0.00	66.15
Interest Coverage Ratio (X)	2.12	2.19	2.29	2.27	2.36
Interest Coverage Ratio (Post Tax) (X)	1.82	1.87	1.95	1.93	2.00
Enterprise Value (Cr.)	121977.91	87557.38	97948.65	90952.44	59504.10
EV / Net Operating Revenue (X)	8.10	7.36	8.04	7.89	6.14
EV / EBITDA (X)	10.59	9.51	10.06	9.78	7.94
MarketCap / Net Operating Revenue (X)	3.94	3.30	4.38	4.20	2.53
Retention Ratios (%)	79.57	77.77	80.02	0.00	65.51
Price / BV (X)	2.36	1.81	2.84	3.11	2.07
Price / Net Operating Revenue (X)	3.94	3.30	4.38	4.20	2.53
EarningsYield	0.07	0.09	0.07	0.07	0.12

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 24, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 24, the value is 107.72. This value is within the healthy range. It has increased from 89.99 (Mar 23) to 107.72, marking an increase of 17.73.
For Diluted EPS (Rs.), as of Mar 24, the value is 107.71. This value is within the healthy range. It has increased from 89.98 (Mar 23) to 107.71, marking an increase of 17.73.
For Cash EPS (Rs.), as of Mar 24, the value is 113.58. This value is within the healthy range. It has increased from 93.36 (Mar 23) to 113.58, marking an increase of 20.22.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 641.51. It has increased from 551.82 (Mar 23) to 641.51, marking an increase of 89.69.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 641.51. It has increased from 551.82 (Mar 23) to 641.51, marking an increase of 89.69.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 375.17. It has increased from 296.37 (Mar 23) to 375.17, marking an increase of 78.80.
For PBDIT / Share (Rs.), as of Mar 24, the value is 286.92. This value is within the healthy range. It has increased from 229.42 (Mar 23) to 286.92, marking an increase of 57.50.
For PBIT / Share (Rs.), as of Mar 24, the value is 284.62. This value is within the healthy range. It has increased from 227.47 (Mar 23) to 284.62, marking an increase of 57.15.
For PBT / Share (Rs.), as of Mar 24, the value is 149.37. This value is within the healthy range. It has increased from 122.63 (Mar 23) to 149.37, marking an increase of 26.74.
For Net Profit / Share (Rs.), as of Mar 24, the value is 111.28. This value is within the healthy range. It has increased from 91.41 (Mar 23) to 111.28, marking an increase of 19.87.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 107.71. This value is within the healthy range. It has increased from 89.98 (Mar 23) to 107.71, marking an increase of 17.73.
For PBDIT Margin (%), as of Mar 24, the value is 76.47. This value is within the healthy range. It has decreased from 77.41 (Mar 23) to 76.47, marking a decrease of 0.94.
For PBIT Margin (%), as of Mar 24, the value is 75.86. This value exceeds the healthy maximum of 20. It has decreased from 76.75 (Mar 23) to 75.86, marking a decrease of 0.89.
For PBT Margin (%), as of Mar 24, the value is 39.81. This value is within the healthy range. It has decreased from 41.37 (Mar 23) to 39.81, marking a decrease of 1.56.
For Net Profit Margin (%), as of Mar 24, the value is 29.66. This value exceeds the healthy maximum of 10. It has decreased from 30.84 (Mar 23) to 29.66, marking a decrease of 1.18.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 28.71. This value exceeds the healthy maximum of 20. It has decreased from 30.36 (Mar 23) to 28.71, marking a decrease of 1.65.
For Return on Networth / Equity (%), as of Mar 24, the value is 17.22. This value is within the healthy range. It has increased from 16.67 (Mar 23) to 17.22, marking an increase of 0.55.
For Return on Capital Employeed (%), as of Mar 24, the value is 43.42. This value is within the healthy range. It has increased from 24.11 (Mar 23) to 43.42, marking an increase of 19.31.
For Return On Assets (%), as of Mar 24, the value is 4.48. This value is below the healthy minimum of 5. It has decreased from 4.50 (Mar 23) to 4.48, marking a decrease of 0.02.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.70 (Mar 23) to 0.00, marking a decrease of 0.70.
For Total Debt / Equity (X), as of Mar 24, the value is 2.72. This value exceeds the healthy maximum of 1. It has increased from 2.57 (Mar 23) to 2.72, marking an increase of 0.15.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.17. It has increased from 0.14 (Mar 23) to 0.17, marking an increase of 0.03.
For Current Ratio (X), as of Mar 24, the value is 1.36. This value is below the healthy minimum of 1.5. It has decreased from 1.88 (Mar 23) to 1.36, marking a decrease of 0.52.
For Quick Ratio (X), as of Mar 24, the value is 1.36. This value is within the healthy range. It has decreased from 1.88 (Mar 23) to 1.36, marking a decrease of 0.52.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 20.42. This value is within the healthy range. It has decreased from 22.22 (Mar 23) to 20.42, marking a decrease of 1.80.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 19.99. This value is below the healthy minimum of 20. It has decreased from 21.75 (Mar 23) to 19.99, marking a decrease of 1.76.
For Earning Retention Ratio (%), as of Mar 24, the value is 79.58. This value exceeds the healthy maximum of 70. It has increased from 77.78 (Mar 23) to 79.58, marking an increase of 1.80.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 80.01. This value exceeds the healthy maximum of 70. It has increased from 78.25 (Mar 23) to 80.01, marking an increase of 1.76.
For Interest Coverage Ratio (X), as of Mar 24, the value is 2.12. This value is below the healthy minimum of 3. It has decreased from 2.19 (Mar 23) to 2.12, marking a decrease of 0.07.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.82. This value is below the healthy minimum of 3. It has decreased from 1.87 (Mar 23) to 1.82, marking a decrease of 0.05.
For Enterprise Value (Cr.), as of Mar 24, the value is 121,977.91. It has increased from 87,557.38 (Mar 23) to 121,977.91, marking an increase of 34,420.53.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 8.10. This value exceeds the healthy maximum of 3. It has increased from 7.36 (Mar 23) to 8.10, marking an increase of 0.74.
For EV / EBITDA (X), as of Mar 24, the value is 10.59. This value is within the healthy range. It has increased from 9.51 (Mar 23) to 10.59, marking an increase of 1.08.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 3.94. This value exceeds the healthy maximum of 3. It has increased from 3.30 (Mar 23) to 3.94, marking an increase of 0.64.
For Retention Ratios (%), as of Mar 24, the value is 79.57. This value exceeds the healthy maximum of 70. It has increased from 77.77 (Mar 23) to 79.57, marking an increase of 1.80.
For Price / BV (X), as of Mar 24, the value is 2.36. This value is within the healthy range. It has increased from 1.81 (Mar 23) to 2.36, marking an increase of 0.55.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 3.94. This value exceeds the healthy maximum of 3. It has increased from 3.30 (Mar 23) to 3.94, marking an increase of 0.64.
For EarningsYield, as of Mar 24, the value is 0.07. This value is below the healthy minimum of 5. It has decreased from 0.09 (Mar 23) to 0.07, 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 12, 2025 is: ₹1,792.78

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 12, 2025, Muthoot Finance Ltd is Overvalued by 17.72% compared to the current share price 2,179.00

Intrinsic Value of Muthoot Finance Ltd as of March 12, 2025 is: 1,882.03

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 12, 2025, Muthoot Finance Ltd is Overvalued by 13.63% compared to the current share price 2,179.00

Last 5 Year EPS CAGR: 4.98%

*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: 29.66%
  - 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: 43.42% (Industry Average ROCE: 11%)
  - 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%: 17.22% (Industry Average ROE: 14.73%)
  - 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): 1.82
  - 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: 1.36
  - 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: 18.4 (Industry average Stock P/E: 44.62)
  - 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: 2.72
  - 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

No data availabale for About the Company

INDUSTRY	ADDRESS	CONTACT
Industry not found	Address not found	Contact not found

Management Data not Available

FAQ

What is the latest intrinsic value of Muthoot Finance Ltd?

The latest intrinsic value of Muthoot Finance Ltd as on 12 March 2025 is ₹1792.78, which is 17.72% lower than the current market price of 2,179.00, indicating the stock is overvalued by 17.72%. The intrinsic value of Muthoot Finance Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹87,497 Cr. and recorded a high/low of ₹2,335/1,321 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹25,282 Cr and total liabilities of ₹100,518 Cr.

What is the Market Cap of Muthoot Finance Ltd?

The Market Cap of Muthoot Finance Ltd is 87,497 Cr..

What is the current Stock Price of Muthoot Finance Ltd as on 12 March 2025?

The current stock price of Muthoot Finance Ltd as on 12 March 2025 is ₹2,179.

What is the High / Low of Muthoot Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Muthoot Finance Ltd stocks is ₹2,335/1,321.

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

The Stock P/E of Muthoot Finance Ltd is 18.4.

What is the Book Value of Muthoot Finance Ltd?

The Book Value of Muthoot Finance Ltd is 673.

What is the Dividend Yield of Muthoot Finance Ltd?

The Dividend Yield of Muthoot Finance Ltd is 1.10 %.

What is the ROCE of Muthoot Finance Ltd?

The ROCE of Muthoot Finance Ltd is 13.2 %.

What is the ROE of Muthoot Finance Ltd?

The ROE of Muthoot Finance Ltd is 17.9 %.

What is the Face Value of Muthoot Finance Ltd?

The Face Value of Muthoot Finance Ltd is 10.0.