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Muthoot Finance Limited MUTHOOTFIN NSEFINANCIAL

Financial Services · Credit Services · India
https://www.muthootfinance.com
Company Profile ↓
₹3,060.10
+16.68% 1Y
Mkt Cap₹1.23 L Cr
P/E11.60
P/B3.14
Div. Yield0.96%
52W High₹4,057.39
52W Low₹2,488.86
Book Value₹974.68
EPS (TTM)₹263.79

Company Overview

Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; money transfer; non-convertible debentures; national pension scheme; digital and cashless payments; bank mapping; and other custom offerings and milligram rewards. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 27.1%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 43.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 38.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 11.6, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 52.3%.

Recent Developments

  • Mar 2026 Revenue of ₹20,263.77 Cr (+57.7% YoY); net profit ₹10,590.34 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +57.7%, earnings +98.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 38.0%, profit CAGR 43.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:38.00%
1 Year:57.66%

Compounded Profit Growth

5 Years:43.12%
1 Year:98.58%

Stock Price Performance

1 Year:+16.68%
6 Months:-21.05%
3 Months:-14.31%
1 Month:-3.37%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 36% of range
₹2,488.86 ₹4,057.39
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)47.31 · Neutral
Price Performance
1M-3.37%
3M-14.31%
6M-21.05%
1Y+16.68%
Valuation vs Sector

P/E of 11.60 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 27.1%.
  • Excellent profit margin of 52.3%.
  • Compounding revenue at 38.0% over 5 years.
  • Profit CAGR of 43.1% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
11.60
Industry PE
19.81
Forward P/E
9.11
PEG Ratio
-
Book Value
₹974.68
Price to Book
3.14
P/S
6.40
EV/EBITDA
-
Dividend Yield
0.96%

Growth (CAGR)

Revenue 5Y
38.00%
Profit 5Y
43.12%
Revenue (YoY)
57.66%
Earnings (YoY)
98.58%

Profitability & Returns

ROCE
-
ROE
27.06%
ROA
5.41%
Profit Margin
52.26%
Op Margin
78.15%
Gross Margin
100.00%
EPS (Latest Qtr)
₹83.43
EPS (TTM)
₹263.79

Balance Sheet & Liquidity

Debt/Equity
3.86
Quick Ratio
128.29
Current Ratio
128.29
Debt
₹1.51 L Cr
Total Assets
₹1.96 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
73.35%
Chg in Prom Hold
0.00%
FII / Inst Holding
16.45%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹1.23 L Cr
Total Revenue (TTM)
₹20,263.77 Cr
EBITDA
-
Free Cash Flow
₹-47,545.39 Cr
Operating Cash Flow
₹-47,392.65 Cr
Shares Outstanding
₹40.15 Cr
Gross Margin
100.00%
Payout Ratio
9.86%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 MUTHOOTFIN Muthoot Finance Limited NSEFINANCIAL 3,060.10 11.60 ₹1.23 L Cr 0.96% - 27.06% 38.00% 43.12%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 3,275.00 Cr3,472.00 Cr3,606.00 Cr3,820.00 Cr4,164.00 Cr4,474.00 Cr4,929.00 Cr5,190.00 Cr3,516.15 Cr4,130.10 Cr4,761.36 Cr5,320.49 Cr6,136.58 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 829.00 Cr847.00 Cr805.00 Cr872.00 Cr1,121.00 Cr1,226.00 Cr1,324.00 Cr1,405.00 Cr1,195.98 Cr1,145.47 Cr1,221.79 Cr1,281.52 Cr1,284.01 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 1,091.00 Cr1,236.00 Cr1,335.00 Cr1,412.00 Cr1,447.00 Cr1,595.00 Cr1,807.00 Cr1,900.00 Cr2,111.22 Cr2,354.91 Cr2,571.22 Cr2,918.72 Cr3,154.78 Cr
Pretax Income 1,355.00 Cr1,407.00 Cr1,470.00 Cr1,534.00 Cr1,585.00 Cr1,646.00 Cr1,802.00 Cr1,886.00 Cr1,932.20 Cr2,654.03 Cr3,244.20 Cr3,822.46 Cr4,584.15 Cr
Tax Provision 352.30 Cr365.82 Cr382.20 Cr383.50 Cr396.25 Cr444.42 Cr486.54 Cr490.36 Cr488.27 Cr679.78 Cr832.54 Cr998.98 Cr1,186.67 Cr
Net Income 1,009.00 Cr1,045.00 Cr1,095.00 Cr1,145.00 Cr1,182.00 Cr1,196.00 Cr1,321.00 Cr1,392.00 Cr1,477.68 Cr2,016.20 Cr2,420.63 Cr2,804.03 Cr3,349.47 Cr
Diluted EPS 24.2525.4626.3927.4928.3728.9931.6734.6036.8150.2260.2969.8483.43

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 4,336.00 Cr4,936.00 Cr5,935.00 Cr6,714.00 Cr7,594.00 Cr9,684.00 Cr11,535.00 Cr-7,710.16 Cr9,656.40 Cr12,852.78 Cr20,263.77 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 1,110.00 Cr1,268.00 Cr1,554.00 Cr1,656.00 Cr1,747.00 Cr2,207.00 Cr2,259.00 Cr-2,598.49 Cr3,183.76 Cr4,011.23 Cr4,932.79 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 2,114.00 Cr2,288.00 Cr2,374.00 Cr2,132.00 Cr2,543.00 Cr3,180.00 Cr4,109.00 Cr-4,209.18 Cr5,430.08 Cr7,412.30 Cr10,999.64 Cr
Pretax Income 1,029.00 Cr1,327.00 Cr1,959.00 Cr2,942.00 Cr3,260.00 Cr4,260.00 Cr5,131.00 Cr-4,922.78 Cr5,996.50 Cr7,266.01 Cr14,304.84 Cr
Tax Provision 360.15 Cr504.26 Cr744.42 Cr1,088.54 Cr1,141.00 Cr1,107.60 Cr1,334.06 Cr-1,253.01 Cr1,528.91 Cr1,913.64 Cr3,697.98 Cr
Net Income 672.00 Cr818.00 Cr1,200.00 Cr1,844.00 Cr2,103.00 Cr3,169.00 Cr3,819.00 Cr-3,612.30 Cr4,324.29 Cr5,332.90 Cr10,590.34 Cr
Diluted EPS 16.8620.4130.0345.7451.8678.2594.83-89.98107.71132.83263.79

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 26,996.00 Cr27,395.00 Cr32,184.00 Cr33,672.00 Cr41,734.00 Cr54,867.00 Cr68,627.00 Cr-80,148.92 Cr96,469.94 Cr1.33 L Cr1.96 L Cr
Current Assets ------------
Cash & Equivalents --------8,073.79 Cr6,389.00 Cr8,485.66 Cr12,867.84 Cr
Inventory ------------
Receivables --------149.55 Cr138.69 Cr193.51 Cr11.60 Cr
Total Liabilities --------57,996.12 Cr70,715.90 Cr1.03 L Cr1.56 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------55,506.13 Cr67,741.84 Cr98,815.26 Cr1.51 L Cr
Total Equity 5,084.00 Cr5,622.00 Cr6,538.00 Cr7,857.00 Cr9,932.00 Cr11,829.00 Cr15,575.00 Cr-21,665.75 Cr25,107.21 Cr29,364.63 Cr39,130.32 Cr
Shares Outstanding --------40.14 Cr40.15 Cr40.15 Cr40.15 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -479.00 Cr108.00 Cr-2,186.00 Cr-1,432.00 Cr-4,824.00 Cr-4,970.00 Cr-7,814.00 Cr--2,804.07 Cr-13,605.49 Cr-26,524.89 Cr-47,392.65 Cr
Investing Cash Flow 21.00 Cr-43.00 Cr-177.00 Cr-126.00 Cr-162.00 Cr-385.00 Cr37.00 Cr-180.97 Cr45.36 Cr-1,376.27 Cr2,457.78 Cr
Financing Cash Flow 249.00 Cr-1,102.00 Cr3,027.00 Cr824.00 Cr6,351.00 Cr9,193.00 Cr9,712.00 Cr-395.02 Cr11,809.06 Cr30,041.47 Cr49,319.56 Cr
Capital Expenditure -24.00 Cr-28.00 Cr-54.00 Cr-35.00 Cr-77.00 Cr-92.00 Cr-90.00 Cr--141.14 Cr-222.42 Cr-217.00 Cr-152.73 Cr
Free Cash Flow -503.00 Cr80.00 Cr-2,240.00 Cr-1,467.00 Cr-4,901.00 Cr-5,062.00 Cr-7,904.00 Cr--2,945.21 Cr-13,827.91 Cr-26,741.89 Cr-47,545.39 Cr
Net Change in Cash -209.00 Cr-1,036.00 Cr664.00 Cr-734.00 Cr1,364.00 Cr3,838.00 Cr1,935.00 Cr--2,228.08 Cr-1,751.07 Cr2,140.31 Cr4,384.69 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 15.5%16.6%20.2%27.5%27.7%32.7%33.1%-46.9%44.8%41.5%52.3%
ROE % 13.2%14.5%18.4%23.5%21.2%26.8%24.5%-16.7%17.2%18.2%27.1%
ROCE % ------------

Shareholding Pattern

Insiders
73.35%
Institutions
16.45%
Public Float
61.71%

Analyst View

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Latest News

Recent headlines for MUTHOOTFIN

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MUTHOOTFIN — Frequently Asked Questions

What is the current share price of Muthoot Finance Limited (MUTHOOTFIN)?

As of 2026-07-15 09:52 IST, Muthoot Finance Limited (MUTHOOTFIN) trades at ₹3,060.10 on NSE. Its 52-week range is ₹2,488.86 to ₹4,057.39.

What is the market capitalisation of MUTHOOTFIN?

Muthoot Finance Limited (MUTHOOTFIN) has a market capitalisation of ₹1.23 L Cr on NSE.

What is the P/E ratio of MUTHOOTFIN?

MUTHOOTFIN trades at a trailing price-to-earnings (P/E) ratio of 11.60. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 3.14.

Does MUTHOOTFIN pay a dividend?

Muthoot Finance Limited (MUTHOOTFIN) currently offers a dividend yield of 0.96%.

What is the return on equity (ROE) of MUTHOOTFIN?

MUTHOOTFIN has a return on equity (ROE) of 27.06%.

Is MUTHOOTFIN a good stock to buy?

This page provides a data-driven analysis of Muthoot Finance Limited (MUTHOOTFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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