Finance
Valuation | |
|---|---|
| Market Cap | 1.49 LCr |
| Price/Earnings (Trailing) | 20.28 |
| Price/Sales (Trailing) | 6.02 |
| EV/EBITDA | 7.49 |
| Price/Free Cashflow | -4.93 |
| MarketCap/EBT | 15.3 |
| Enterprise Value | 1.41 LCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -3.3% |
| Price Change 1M | -6.5% |
| Price Change 6M | 41.5% |
| Price Change 1Y | 65.8% |
| 3Y Cumulative Return | 54.2% |
| 5Y Cumulative Return | 26% |
| 7Y Cumulative Return | 32.4% |
| 10Y Cumulative Return | 34.6% |
| Revenue (TTM) |
| 24.69 kCr |
| Rev. Growth (Yr) | 47.9% |
| Earnings (TTM) | 7.22 kCr |
| Earnings Growth (Yr) | 82.5% |
Profitability | |
|---|---|
| Operating Margin | 39% |
| EBT Margin | 39% |
| Return on Equity | 21.62% |
| Return on Assets | 4.49% |
| Free Cashflow Yield | -20.27% |
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 | 0.09 |
| 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% |
Past Returns: Outperforming stock! In past three years, the stock has provided 54.2% return compared to 13.2% by NIFTY 50.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: It is among the top 200 market size companies of india.
Profitability: Very strong Profitability. One year profit margin are 29%.
Growth: Awesome revenue growth! Revenue grew 41.3% over last year and 108.3% in last three years on TTM basis.
Smart Money: Smart money has been increasing their position in the stock.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock is suffering a negative price momentum. Stock is down -6.5% in last 30 days.
Past Returns: Outperforming stock! In past three years, the stock has provided 54.2% return compared to 13.2% by NIFTY 50.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Size: It is among the top 200 market size companies of india.
Profitability: Very strong Profitability. One year profit margin are 29%.
Growth: Awesome revenue growth! Revenue grew 41.3% over last year and 108.3% in last three years on TTM basis.
Smart Money: Smart money has been increasing their position in the stock.
Technicals: SharesGuru indicator is Bearish.
Momentum: Stock is suffering a negative price momentum. Stock is down -6.5% in last 30 days.
Investor Care | |
|---|---|
| Dividend Yield | 1.5% |
| Dividend/Share (TTM) | 50 |
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 182.68 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 41.99 |
| RSI (5d) | 41.63 |
| RSI (21d) | 42.52 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Sell |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
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.
Muthoot Finance management provided a strong outlook for the financial year 2026, emphasizing significant growth in both assets and profitability. Key highlights include:
Loan Assets Under Management: The consolidated loan assets registered a substantial year-on-year growth of 42% to reach Rs. 1,47,673 crores compared to Rs. 1,04,149 crores in the same period last year. The half-year growth was Rs. 25,000 crores, reflecting a 21% increase.
Profit After Tax: Consolidated profit after tax soared 74% year-on-year, amounting to Rs. 4,386 crores, up from Rs. 2,517 crores last year. The standalone profit was even higher at Rs. 4,391 crores, up 88% year-on-year from Rs. 2,330 crores.
Gold Loan AUM Growth: During Q2 FY'26, Gold loan AUM increased by Rs. 11,723 crores, marking a 10% growth.
Guidance Upgrade: The management is optimistic about the gold loan sector and has revised its growth guidance for FY'26 from 50% to an expected range of 30%-35%. They anticipate favorable regulatory developments and sustained demand due to rising gold prices.
Digital Transformation: Muthoot Finance plans to enhance its digital transformation initiatives, aiming for more seamless credit access to a broader customer base.
Branch Expansion: The company continues to enhance its branch network, with plans to open around 150 branches in the current year.
Subsidiary Performance: Muthoot Home Finance saw its AUM grow to Rs. 3,247 crores with revenue rising 44%, while Belstar Microfinance showed improved performance, reducing losses from Rs. 160 crores to Rs. 128 crores quarter-on-quarter.
These positive metrics indicate a robust trajectory for Muthoot Finance, supported by effective management strategies and an adaptable business model.
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 | 6.11 LCr | 79.39 kCr | +1.30% | +15.40% | 27.05 | 7.69 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.89 LCr |
Comprehensive comparison against sector averages
MUTHOOTFIN metrics compared to Finance
| Category | MUTHOOTFIN | Finance |
|---|---|---|
| PE | 20.28 | 29.64 |
| PS | 6.02 | 5.81 |
| Growth | 41.3 % | 16.7 % |
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)
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.
Analyst / Investor Meet • 07 Feb 2026 Intimation of schedule of Analyst Meeting/Call |
Newspaper Publication • 07 Feb 2026 Newspaper Publication regarding the transfer of Equity shares to Investor Education and Protection Fund (IEPF) Authority |
General • 05 Feb 2026 Settlement of USD 600 million 5.75% Senior Secured Notes due 2030 under the USD 4 billion Global Medium Term Note Programme |
General • 30 Jan 2026 Pricing of USD 600 million 5.75% Fixed Rate Note due 2030 |
General • 28 Jan 2026 Update on the US$ 4 Bn Global Medium Term Note Programme ("GMTN Programme")- Bloomberg Announcement. |
Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 • 10 Jan 2026 |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Here are the key Q&A highlights from the earnings transcript:
Question: "What is the recovery benefit this quarter that is leading to a yield expansion?" Answer: "The yield increased due to liquidation of old dues in the NPA bucket, especially with rising gold prices. We estimate this recovery benefit to be around Rs. 300 crores, which contributes to our yield improvement. In contrast, the connections from the ARC sale this quarter were minimal."
Question: "Have fresh disbursement yields increased in recent months?" Answer: "Yes, fresh disbursement yields have indeed gone up, driven by a mix of portfolio adjustments and the types of loans we are disbursing. Higher yielding products were preferred in this period, contributing to our interest income growth despite only a 10% loan growth."
Question: "When do you expect to implement new RBI guidelines for LTV?" Answer: "We anticipate implementing new regulatory measures from April next year. While we haven't begun offering loans below Rs. 2.5 lakh at a higher LTV just yet, we're weighing our options and expect to finalize decisions closer to the implementation date."
Question: "What is the outlook for Muthoot Home Finance regarding growth and profitability?" Answer: "For the next two quarters, we focus on consolidating our existing portfolio and improving quality, rather than aggressive growth. We expect to stabilize losses and should see business growth resume gradually thereafter."
Question: "What strategies will you pursue to maintain your customer growth and market share?" Answer: "Our strategies include focused investment in employee incentives and advertising aimed at customer retention and acquisition. We are prioritizing reinvestment into our operations and marketing efforts to support sustainable growth."
Question: "How much has the NPA reduced this quarter and what is the outlook?" Answer: "NPAs currently stand close to Rs. 3,000 crores, which we manage carefully to support our customer recovery process. Our aim is not specifically to target NPA rates but to ensure our customers do not lose their gold through auctions, keeping our NPA within acceptable levels."
Question: "What is the impact of competition from new NBFCs and banks?" Answer: "While we acknowledge the entry of new players, including AAA-rated NBFCs, we remain focused on our core gold loan offerings. We believe there's room for growth for all players, and we will continue to adapt our strategies without panicking in response to competition."
Each of these responses succinctly summarizes the queries from analysts along with the management's insights and outlooks shared during the Q&A session.
| 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 |
| +0.70% |
| +77.00% |
| 20.61 |
| 4 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.47 LCr | 30.11 kCr | -2.50% | +26.10% | 30.26 | 4.88 | - | - |
| CHOLAHLDNG | CHOLAMANDALAM FINANCIAL HOLDINGS | 30.99 kCr | 36.6 kCr | -12.40% | +10.40% | 13.91 | 0.85 | - | - |
| MANAPPURAM | Manappuram Finance | 25.47 kCr | 9.27 kCr | -5.90% | +46.00% | 65.99 | 2.75 | - | - |
| IIFL | IIFL FINANCE | 21.94 kCr | 12.3 kCr | -21.50% | +43.50% | 17.1 | 1.78 | - | - |
| 9.2% |
| 2,571 |
| 2,355 |
| 2,111 |
| 1,900 |
| 1,807 |
| 1,595 |
| Depreciation and Amortization | 8.8% | 38 | 35 | 35 | 31 | 25 | 26 |
| Impairment on financial instruments | -10.9% | 295 | 331 | 414 | 427 | 420 | 375 |
| Other expenses | 10.4% | 457 | 414 | 464 | 398 | 374 | 334 |
| Profit Before exceptional items and Tax | 22.2% | 3,244 | 2,654 | 1,932 | 1,886 | 1,802 | 1,646 |
| Total profit before tax | 22.2% | 3,244 | 2,654 | 1,932 | 1,886 | 1,802 | 1,646 |
| Current tax | 10.5% | 825 | 747 | 525 | 470 | 498 | 488 |
| Deferred tax | 109.3% | 7.34 | -67.28 | -36.55 | 24 | -17.26 | -38.04 |
| Tax expense | 22.5% | 833 | 680 | 488 | 495 | 481 | 450 |
| Total profit (loss) for period | 22.2% | 2,412 | 1,974 | 1,444 | 1,392 | 1,321 | 1,196 |
| Other comp. income net of taxes | 207.1% | 44 | 15 | -73.05 | -41.98 | 55 | -26.68 |
| Total Comprehensive Income | 23.5% | 2,456 | 1,989 | 1,371 | 1,350 | 1,377 | 1,169 |
| Earnings Per Share, Basic | 20.5% | 60.29 | 50.22 | 36.81 | 35.36 | 31.67 | 28.99 |
| Earnings Per Share, Diluted | 20.5% | 60.3 | 50.22 | 36.81 | 35.36 | 31.67 | 28.99 |
| Debt equity ratio | 0% | 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 • 05 Jan 2026 Newspaper Advertisement of Special Window for Re-lodgement of Transfer Requests of Physical Shares. |