Finance
Valuation | |
|---|---|
| Market Cap | 1.39 LCr |
| Price/Earnings (Trailing) | 15.93 |
| Price/Sales (Trailing) | 5.01 |
| EV/EBITDA | 6.02 |
| Price/Free Cashflow | -4.93 |
| MarketCap/EBT | 11.92 |
| Enterprise Value | 1.31 LCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 27.71 kCr |
| Rev. Growth (Yr) | 57.8% |
| Earnings (TTM) | 8.65 kCr |
| Earnings Growth (Yr) | 102.9% |
Profitability | |
|---|---|
| Operating Margin | 42% |
| EBT Margin | 42% |
| Return on Equity | 25.91% |
| Return on Assets | 5.38% |
| Free Cashflow Yield | -20.27% |
Growth & Returns | |
|---|---|
| Price Change 1W | -3.5% |
| Price Change 1M | -11.4% |
| Price Change 6M | 29.1% |
| Price Change 1Y | 52% |
| 3Y Cumulative Return | 52% |
| 5Y Cumulative Return | 21.7% |
| 7Y Cumulative Return | 30.6% |
| 10Y Cumulative Return | 34.1% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | 1.79 kCr |
| Cash Flow from Operations (TTM) | -26.38 kCr |
| Cash Flow from Financing (TTM) | 29.89 kCr |
| Cash & Equivalents | 7.97 kCr |
| Free Cash Flow (TTM) | -26.59 kCr |
| Free Cash Flow/Share (TTM) | -662.4 |
Balance Sheet | |
|---|---|
| Total Assets | 1.61 LCr |
| Total Liabilities | 1.27 LCr |
| Shareholder Equity | 33.39 kCr |
| Net PPE | 611.03 Cr |
| Inventory | 0.00 |
| Goodwill | 30 Cr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | 0.17 |
| Interest/Cashflow Ops | -2.23 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 50 |
| Dividend Yield | 1.5% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 0.00% |
Investor Care | |
|---|---|
| Dividend Yield | 1.5% |
| Dividend/Share (TTM) | 50 |
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 217.16 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 38.16 |
| RSI (5d) | 0.00 |
| RSI (21d) | 39.38 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Buy |
| SharesGuru Signal | Sell |
| RSI Signal | Hold |
| RSI5 Signal | Buy |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Size: It is among the top 200 market size companies of india.
Growth: Awesome revenue growth! Revenue grew 47% over last year and 136.5% in last three years on TTM basis.
Past Returns: Outperforming stock! In past three years, the stock has provided 52% return compared to 12.4% by NIFTY 50.
Profitability: Very strong Profitability. One year profit margin are 31%.
Smart Money: Smart money has been increasing their position in the stock.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock is suffering a negative price momentum. Stock is down -11.4% in last 30 days.
Size: It is among the top 200 market size companies of india.
Growth: Awesome revenue growth! Revenue grew 47% over last year and 136.5% in last three years on TTM basis.
Past Returns: Outperforming stock! In past three years, the stock has provided 52% return compared to 12.4% by NIFTY 50.
Profitability: Very strong Profitability. One year profit margin are 31%.
Smart Money: Smart money has been increasing their position in the stock.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock is suffering a negative price momentum. Stock is down -11.4% in last 30 days.
Updated May 4, 2025
Muthoot Finance has experienced negative returns of -0.09% today and -7.29% over the past month, indicating some recent challenges.
Despite a recent dividend announcement, Muthoot Finance has underperformed compared to its sector peers in recent months.
Technical indicators show a downward trend for Muthoot Finance shares, with resistance at ?2173.97 and support at ?2115.52.
Summary of MUTHOOT FINANCE's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
The management of Muthoot Finance provided a positive outlook for the company during the Q3 FY26 earnings call. They highlighted a historic growth in the standalone Assets Under Management (AUM) of INR 50,000 crores, with a 50% year-on-year growth in the gold loan portfolio, resulting in a record gold loan total of INR 1,39,658 crores. The standalone profit after tax for the nine-month period grew 91%, amounting to INR 7,048 crores.
Significant forward-looking points mentioned by management included:
Gold Loan Growth: The management expects continued robust demand for gold loans, particularly during festive seasons. The average loan-to-value ratio stands at 57%, indicating room for growth as customers continue to utilize gold as collateral.
Branch Expansion: The Reserve Bank of India's recent circular allowing for branch expansions without prior approval is seen as a major positive, enabling Muthoot Finance to better meet market demands without bureaucratic delays.
Microfinance & Home Loan Business: The home loan AUM grew by 24% to INR 3,380 crores, while Belstar Microfinance posted a profit after tax of INR 51 crores in Q3, demonstrating a significant turnaround.
Recovery of NPAs: The company recovered INR 900 crores worth of NPAs, which led to a substantial increase in interest income, approximately INR 667 crores.
Future Projections: While the management refrained from providing explicit profit guidance, they hinted at a likely positive growth trend in the upcoming quarters based on current business momentum.
Overall, Muthoot Finance is optimistic about leveraging its extensive branch network and regulatory support to enhance its gold loan business and maintain growth trajectory in other verticals.
Understand MUTHOOT FINANCE ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| George Jacob Muthoot | 10.87% |
| George Thomas | 10.87% |
| Susan Thomas | 7.47% |
| Sara George | 7.23% |
| George Alexander Muthoot | 5.89% |
| Alexander George | 5.55% |
| George M George | 5.55% |
Detailed comparison of MUTHOOT FINANCE against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 6.41 LCr | 79.39 kCr | +10.00% | +22.60% | 28.39 | 8.07 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.99 LCr |
Comprehensive comparison against sector averages
MUTHOOTFIN metrics compared to Finance
| Category | MUTHOOTFIN | Finance |
|---|---|---|
| PE | 15.71 | 29.14 |
| PS | 4.94 | 5.85 |
| Growth | 47 % | 17.4 % |
Muthoot Finance is a prominent non-banking financial company (NBFC) in India, with the stock ticker MUTHOOTFIN and a market capitalization of Rs. 85,648.3 Crores.
The company primarily focuses on providing gold loans, offering secure personal and business loans backed by gold jewelry, predominantly serving individuals and microfinance sectors. Beyond gold loans, Muthoot Finance also extends its services to housing finance, gold coin sales, money transfers, foreign exchange, and various insurance products including health, home, vehicle, life, and travel insurance. Additionally, they offer loans for vehicles, corporate financing, and small and medium enterprises (SMEs), alongside other banking services.
Established in 1887 and headquartered in Kochi, India, Muthoot Finance has diversified operations, even generating electric power through three windmills with a total capacity of 3.75 MW located in Tamil Nadu.
Financially, Muthoot Finance reported a trailing twelve months revenue of Rs. 18,851 Crores and posted a profit of Rs. 5,090.7 Crores over the last four quarters. The company's impressive revenue growth of 53.1% over the past three years demonstrates its strong market presence. Additionally, Muthoot Finance distributes dividends to its investors, offering a dividend yield of 2.34% per year, having returned Rs. 50 dividend per share in the last 12 months.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
MUTHOOTFIN vs Finance (2021 - 2026)
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Muthoot Finance's shares rose by 5% following the announcement of an interim dividend of Rs 26 per share, marking the highest interim payment to date.
Earnings Call Transcript • 18 Feb 2026 Announcement under Regulation 30 (LODR) - Earnings Call Transcript |
Newspaper Publication • 14 Feb 2026 Newspaper Advertisement of unaudited financial results for the quarter and nine months ended December 31, 2025. |
Analyst / Investor Meet • 13 Feb 2026 Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome |
Investor Presentation • 12 Feb 2026 Investor Presentation for the Quarter ended December 31, 2025 |
Press Release / Media Release • 12 Feb 2026 Press Release |
General • 10 Feb 2026 Analyst Meeting/Call Link |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Here are the major questions asked during the Q&A session of the earnings transcript, along with detailed answers from the management:
Question 1: "Our yields have been continuously rising, right, for the last four quarters. Is it that the new customers who are coming in or the new loans that are being sanctioned are being sanctioned at higher rates?"
Answer: Yes, we have observed continuous growth. The average loan-to-value (LTV) is currently 57%, below the regulator's limit of 75%. During this quarter, we've also seen a net reduction in NPAs, which has positively impacted our interest income. Our recovery from legacy NPAs contributed significantly, yielding around INR 624 crores, including interest from auctions and asset recoveries.
Question 2: "Given the recovery amount and NPA changes, do we expect more one-offs from NPA recoveries?"
Answer: Recoveries are a regular process. When NPAs are recognized and later settled, they lead to additional income. This increases our interest income temporarily, especially when we have significant recoveries. That said, such spikes should not be expected every quarter.
Question 3: "What are our expectations regarding branching strategy after the RBI's new regulations?"
Answer: The recent regulatory changes allow us to open branches without prior RBI permission, a major convenience. However, our expansion will remain calibrated based on strategic needs and market demand. We won't open branches indiscriminately but will leverage this flexibility as required for growth.
Question 4: "What's your view on AUM growth with gold price volatility?"
Answer: Our AUM growth is primarily driven by demand for gold loans, not just gold prices. As the average LTV is only 57%, there's significant room for lending. Although price increases can boost customer perception of their collateral, demand remains the key factor.
Question 5: "With rising operational expenses, what is the outlook on OPEX growth?"
Answer: OPEX has risen due to inflation affecting salaries, rents, and increased advertisement spends. As our business grows, variable costs also increase. We are mindful of managing these expenses but expect some upward pressure as the economy continues its recovery.
These responses reflect the management's insights shared during the earnings call, keeping within the requested character limit while ensuring clarity and detail.
| SBI MUTUAL FUND |
| 4.75% |
| Eapen Alexander | 4.37% |
| George M Alexander | 4.37% |
| George M Jacob | 3.75% |
| Anna Alexander | 3.72% |
| Elizabeth Jacob | 3.72% |
| Susan Mathew | 0% |
| Reshma Susan Jacob | 0% |
| Anna Thomas | 0% |
| Tania Thomas | 0% |
| John Eapen | 0% |
| Elizabeth Eapen | 0% |
| Susan Eapen | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 47.12 kCr |
| +7.40% |
| +82.40% |
| 21.78 |
| 4.23 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.41 LCr | 30.11 kCr | +2.60% | +19.70% | 29 | 4.68 | - | - |
| CHOLAHLDNG | CHOLAMANDALAM FINANCIAL HOLDINGS | 31.63 kCr | 38.09 kCr | +2.30% | +13.90% | 13.36 | 0.83 | - | - |
| MANAPPURAM | Manappuram Finance | 25.94 kCr | 9.27 kCr | +2.70% | +49.20% | 67.21 | 2.8 | - | - |
| IIFL | IIFL FINANCE | 21.16 kCr | 12.3 kCr | -20.10% | +56.30% | 16.5 | 1.72 | - | - |
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
| 13.5% |
| 2,919 |
| 2,571 |
| 2,355 |
| 2,111 |
| 1,900 |
| 1,807 |
| Depreciation and Amortization | 5.4% | 40 | 38 | 35 | 35 | 31 | 25 |
| Impairment on financial instruments | -26.5% | 217 | 295 | 331 | 414 | 427 | 420 |
| Other expenses | -0.2% | 456 | 457 | 414 | 464 | 398 | 374 |
| Profit Before exceptional items and Tax | 17.8% | 3,822 | 3,244 | 2,654 | 1,932 | 1,886 | 1,802 |
| Total profit before tax | 17.8% | 3,822 | 3,244 | 2,654 | 1,932 | 1,886 | 1,802 |
| Current tax | 19.4% | 985 | 825 | 747 | 525 | 470 | 498 |
| Deferred tax | 105% | 14 | 7.34 | -67.28 | -36.55 | 24 | -17.26 |
| Tax expense | 20% | 999 | 833 | 680 | 488 | 495 | 481 |
| Total profit (loss) for period | 17% | 2,823 | 2,412 | 1,974 | 1,444 | 1,392 | 1,321 |
| Other comp. income net of taxes | -101.9% | 0.2 | 44 | 15 | -73.05 | -41.98 | 55 |
| Total Comprehensive Income | 15% | 2,824 | 2,456 | 1,989 | 1,371 | 1,350 | 1,377 |
| Earnings Per Share, Basic | 16.1% | 69.84 | 60.29 | 50.22 | 36.81 | 35.36 | 31.67 |
| Earnings Per Share, Diluted | 16.1% | 69.84 | 60.3 | 50.22 | 36.81 | 35.36 | 31.67 |
| Debt equity ratio | 0.4% | 0.0393 | 0.0352 | 0.0351 | 0.0338 | 0.03 | 0.03 |
| Other revenue from operations |
| 23.9% |
| 110 |
| 89 |
| 68 |
| 64 |
| 55 |
| 59 |
| Other income | -3.4% | 57 | 59 | 29 | 16 | 17 | 8.15 |
| Total Expenses | 39.2% | 10,085 | 7,245 | 5,877 | 5,789 | 5,568 | 4,665 |
| Employee Expense | 22.4% | 1,697 | 1,387 | 1,199 | 1,030 | 1,006 | 1,029 |
| Finance costs | 38.1% | 6,429 | 4,655 | 3,699 | 3,836 | 3,692 | 2,791 |
| Depreciation and Amortization | 16.9% | 77 | 66 | 58 | 54 | 51 | 43 |
| Impairment on financial instruments | 288.8% | 767 | 198 | 61 | 127 | 95 | 96 |
| Other expenses | 18.7% | 1,116 | 940 | 860 | 742 | 723 | 707 |
| Profit Before exceptional items and Tax | 29.8% | 7,071 | 5,449 | 4,666 | 5,309 | 5,007 | 4,057 |
| Total profit before tax | 29.8% | 7,071 | 5,449 | 4,666 | 5,309 | 5,007 | 4,057 |
| Current tax | 33.3% | 1,881 | 1,411 | 1,199 | 1,359 | 1,296 | 1,038 |
| Deferred tax | 7.5% | -10.88 | -11.84 | -5.85 | -3.56 | -11.6 | 1.21 |
| Tax expense | 33.7% | 1,870 | 1,399 | 1,193 | 1,355 | 1,284 | 1,039 |
| Total profit (loss) for period | 28.4% | 5,201 | 4,050 | 3,474 | 3,954 | 3,722 | 3,018 |
| Other comp. income net of taxes | -249.2% | -90.02 | 62 | 46 | -46.78 | -57.29 | 60 |
| Total Comprehensive Income | 24.3% | 5,111 | 4,111 | 3,520 | 3,908 | 3,665 | 3,079 |
| Reserve excluding revaluation reserves | - | 28,036 | - | - | - | 14,838 | 11,171 |
| Earnings Per Share, Basic | 28.7% | 129.54 | 100.88 | 86.54 | 98.55 | 92.79 | 75.31 |
| Earnings Per Share, Diluted | 28.7% | 129.54 | 100.87 | 86.52 | 98.5 | 92.71 | 75.21 |
| Debt equity ratio | 0.8% | 0.0316 | 0.0242 | 0.0236 | 0.0272 | - | - |
| -1.7% |
| 468 |
| 476 |
| - |
| 349 |
| 346 |
| 277 |
| Capital work-in-progress | -25% | 10 | 13 | - | 101 | 88 | 83 |
| Total non-financial assets | -3.5% | 587 | 608 | 0 | 527 | - | - |
| Total assets | 21.6% | 147,468 | 121,249 | - | 100,518 | 85,028 | 79,408 |
| Equity share capital | 0% | 401 | 401 | - | 401 | 401 | 401 |
| Total equity | 12% | 31,843 | 28,438 | - | 25,684 | 24,290 | 22,181 |
| Derivative financial instruments | -101.1% | 0 | 94 | - | 8.17 | 14 | 1.56 |
| Debt securities | 36.6% | 32,168 | 23,541 | - | 19,704 | 16,371 | 13,495 |
| Borrowings | 20.4% | 79,776 | 66,260 | - | 52,589 | 42,361 | 41,753 |
| Subordinated liabilities | -105.6% | 0 | 19 | - | 50 | 50 | 74 |
| Total financial liabilities | 24.6% | 114,692 | 92,049 | 0 | 74,143 | - | - |
| Current tax liabilities | 72.9% | 435 | 252 | - | 276 | 54 | 153 |
| Provisions | 2.1% | 398 | 390 | - | 350 | 348 | 351 |
| Total non financial liabilities | 22.3% | 933 | 763 | 0 | 691 | - | - |
| Total liabilities | 24.6% | 115,624 | 92,811 | - | - | 60,738 | 57,227 |
| Total equity and liabilities | 21.6% | 147,468 | 121,249 | - | 100,518 | 85,028 | 79,408 |
| 16.1% |
| 1,669 |
| 1,438 |
| 1,256 |
| 1,352 |
| - |
| - |
| Net Cashflows From Operating Activities | -177.9% | -25,854.55 | -9,301.95 | -1,901.72 | -1,141.54 | - | - |
| Proceeds from sales of PPE | -48.1% | 1.28 | 1.54 | 1.24 | 2.28 | - | - |
| Purchase of property, plant and equipment | -28.8% | 122 | 171 | 94 | 74 | - | - |
| Proceeds from sales of long-term assets | -1958.2% | -1,745.68 | 95 | 68 | 385 | - | - |
| Purchase of other long-term assets | - | 3.48 | 0 | 0 | 0 | - | - |
| Dividends received | -38.4% | 4.74 | 7.07 | 2.38 | 0.79 | - | - |
| Interest received | 35% | 344 | 255 | 215 | 156 | - | - |
| Other inflows/outflows of cash | 198.2% | 139 | -139.52 | 0 | 0 | - | - |
| Net Cashflows From Investing Activities | -162.9% | -1,944.44 | -739.06 | 188 | 408 | - | - |
| Proceeds from exercise of stock options | -5.3% | 0.01 | 0.06 | 0.52 | 0.75 | - | - |
| Proceeds from issuing debt etc | 175.6% | 7,131 | 2,588 | 1,231 | -1,306.25 | - | - |
| Proceeds from borrowings | 242.3% | 23,765 | 6,943 | 0 | 4,904 | - | - |
| Repayments of borrowings | - | 0 | 0 | 1,464 | 0 | - | - |
| Payments of lease liabilities | - | 0.05 | 0 | 0 | 0 | - | - |
| Dividends paid | 9.1% | 963 | 883 | 803 | 802 | - | - |
| Net Cashflows From Financing Activities | 246.1% | 29,933 | 8,649 | -1,035.54 | 2,796 | - | - |
| Net change in cash and cash eq. | 253.1% | 2,134 | -1,392.26 | -2,749.71 | 2,062 | - | - |
Newspaper Publication • 07 Feb 2026 Newspaper Publication regarding the transfer of Equity shares to Investor Education and Protection Fund (IEPF) Authority |