Muthoot Finance Ltd logo

Muthoot Finance Ltd

MUTHOOTFIN NSE

Key Fundamentals

LargecapNBFCFinancial Services
Market Cap
1.3L Cr
Volatility
Moderate
P/E Ratio
11.32
EBITDA
₹25,442 Cr
Return on Equity
26.67%
Debt to Equity
3.67
Book Value
₹1,011.33
EPS
₹111.25
52W High
₹4,149.5
52W Low
₹2,604.2

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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43 extracted metrics + investor summaries across FY15–FY26.

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Technical Indicators

Key Insights

Strengths

4
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 22.7% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 17.7%
  • Company's median sales growth is 19.7% of last 10 years

Weaknesses

1
  • Stock is trading at 3.17 times its book value

Growth Rate

Revenue Growth
54.27% ↗
Net Income Growth
98.17% ↗
Cash Flow Change
-78.67% ↘
ROE
49.41% ↗
ROCE
12.14% ↗
EBITDA Margin (Avg.)
11.48% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 3d ago
AI opinion · based on fundamentals
Risk medium

Muthoot Finance Ltd, India's largest gold loan NBFC with a market cap of ₹1,22,103 Cr, is trading at a PE of 10.4x with TTM profit growth of 85% and a 10-year ROE averaging 24%. The stock trades at 2.94x book value while delivering 51% TTM sales growth, reflecting a period of accelerated earnings momentum.

Bull Case 8
  • TTM profit growth of 85% signals exceptional near-term earnings acceleration
  • 5-year compounded profit CAGR of 23% demonstrates sustained long-term earnings growth
  • PE of 10.4x is relatively undemanding for a company growing profits at 43% CAGR over 3 years
  • ROE of 31% in the last year is well above the 10-year average of 24%, indicating improving capital efficiency
  • TTM sales growth of 51% with 10-year median sales growth of 19.7% shows significant revenue acceleration
  • 10-year stock CAGR of 25% reflects consistent long-term wealth creation
  • Consistent dividend payout of 17.7% with current yield of 1.01% provides income alongside growth
  • Gold loan business model benefits from rising gold prices, providing natural collateral appreciation
Bear Case 7
  • Stock trades at 2.94x book value, elevated for an NBFC and above historical median levels
  • 52-week high and low data unavailable, limiting visibility on recent price range and potential downside
  • Debt-to-equity ratio not disclosed, creating uncertainty about leverage in the balance sheet
  • Gold loan NBFCs face periodic RBI regulatory tightening on loan-to-value ratios and auction norms
  • TTM sales growth of 51% may not be sustainable and could mean-revert toward the 10-year average of 20%
  • Concentrated business model dependent on gold prices — a sharp decline in gold could compress AUM and margins
  • Rising competition from banks offering gold loans at lower rates could pressure yields and market share

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 8h ago
Positives 4
  • AUM growth to surpass 15% guidance Aug 3

    Management expects to surpass its 15% AUM growth guidance in coming quarters, driven by strong gold loan portfolio performance.

  • Alexander George appointed as MD Aug 1

    Alexander George appointed Managing Director effective Oct 1, 2026, subject to AGM approval. George Alexander Muthoot moves to Executive Vice Chairman role.

  • RBI ongoing Forex License received Aug 7

    Muthoot Finance received an ongoing Forex License from RBI, enabling broader remittance and foreign exchange services across its pan-India network.

  • BRSR filed for FY 2025-26 Aug 7

    Submitted Business Responsibility and Sustainability Report for FY 2025-26 covering ESG governance, workforce data, and CSR impact.

Neutral 4
  • 29th AGM scheduled Aug 31 Aug 7

    AGM set for Aug 31, 2026 with votes on Alexander George as MD and reappointment of several directors.

  • Rs 15.27 Cr block trade on NSE Aug 3

    Institutional block trade of ~53,834 shares executed at Rs 2,836.80 per share, totaling Rs 15.27 crores on NSE.

  • Q4FY26 analyst call recording posted Aug 3

    Audio recording of analyst call discussing unaudited results for quarter ended June 30, 2026 made available on company website.

  • Q1FY27 earnings call scheduled Jul 29

    Q1 FY27 results conference call scheduled for Aug 1, 2026 at 4:00 PM IST, hosted from Kochi with global dial-in.

TL;DR: Muthoot Finance is in a strong operational phase with management guiding above 15% AUM growth on the back of its core gold lending business. Leadership transition is orderly with Alexander George taking over as MD from Oct 2026. The RBI Forex License adds a new revenue avenue. No visible headwinds in the current news cycle, and the overall trend appears to be improving.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
3,472
3,606
3,820
4,164
4,474
4,929
5,190
5,622
6,450
7,283
8,188
9,289
8,672
Expenses
847
805
872
1,121
1,226
1,324
1,405
1,549
1,422
1,480
1,426
1,528
1,408
Financing Profit
1,389
1,467
1,536
1,596
1,653
1,798
1,885
1,961
2,673
3,232
3,843
4,606
3,805
Fin. Margin %
40%
41%
40%
38%
37%
36%
36%
35%
41%
44%
47%
50%
44%
Other Income
37
26
23
16
19
29
32
6
16
50
20
3
23
Interest
1,236
1,335
1,412
1,447
1,595
1,807
1,900
2,111
2,355
2,571
2,919
3,155
3,458
Depreciation
19
22
24
27
26
25
31
35
35
38
40
24
31
PBT
1,407
1,470
1,534
1,585
1,646
1,802
1,886
1,932
2,654
3,244
3,822
4,584
3,797
Tax %
26%
26%
25%
25%
27%
27%
26%
25%
26%
26%
26%
26%
26%
Net Profit
1,045
1,095
1,145
1,182
1,196
1,321
1,392
1,444
1,974
2,412
2,823
3,397
2,825
EPS in Rs
25.46
26.39
27.49
28.37
28.99
31.67
34.6
36.81
50.22
60.29
69.84
83.43
69.72
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
4,336
4,936
5,935
6,714
7,594
9,684
11,535
12,186
11,898
15,062
20,214
31,209
33,431
Expenses
1,110
1,268
1,554
1,656
1,747
2,207
2,259
2,490
2,747
3,622
5,422
5,767
5,841
Financing Profit
1,112
1,381
2,007
2,927
3,305
4,298
5,167
5,428
4,926
5,988
7,331
14,388
15,486
Fin. Margin %
26%
28%
34%
44%
44%
44%
45%
45%
41%
40%
36%
46%
46%
Other Income
1
5
3
67
6
22
32
52
75
101
51
54
95
Interest
2,114
2,288
2,374
2,132
2,543
3,180
4,109
4,268
4,225
5,452
7,461
11,054
12,103
Depreciation
84
59
52
52
52
59
67
70
78
92
116
137
134
PBT
1,029
1,327
1,959
2,942
3,260
4,260
5,131
5,410
4,923
5,996
7,266
14,305
15,448
Tax %
35%
38%
38%
37%
35%
26%
26%
25%
25%
26%
26%
26%
—
Net Profit
672
818
1,200
1,844
2,103
3,169
3,819
4,031
3,670
4,468
5,352
10,607
11,457
EPS in Rs
16.86
20.41
30.03
45.74
51.86
78.25
94.83
100
89.98
108
133
264
283
Div. Payout %
36%
29%
20%
22%
23%
19%
21%
20%
24%
22%
20%
11%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
398
399
399
400
401
401
401
401
401
401
401
401
Reserves
4,686
5,223
6,139
7,457
9,531
11,428
15,174
18,384
21,264
24,706
28,965
38,729
Borrowing
19,621
18,854
22,177
23,891
30,128
40,952
50,414
54,569
55,804
68,125
99,383
1,51,806
Other Liabilities
2,292
2,918
3,469
1,925
1,675
2,085
2,638
2,946
2,664
3,221
4,085
4,784
Total Liabilities
26,996
27,395
32,184
33,672
41,734
54,867
68,627
76,300
80,134
96,453
1,32,835
1,95,721
Fixed Assets
269
235
257
251
259
314
327
342
386
482
682
721
CWIP
7
11
10
6
23
29
39
52
67
89
13
11
Investments
20
49
97
177
211
630
809
523
546
712
2,401
550
Other Assets
26,700
27,100
31,820
33,237
41,241
53,894
67,453
75,382
79,135
95,170
1,29,739
1,94,439
Total Assets
26,996
27,395
32,184
33,672
41,734
54,867
68,627
76,300
80,134
96,453
1,32,835
1,95,721
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-479
108
-2,186
-1,432
-4,824
-4,970
-7,814
-1,596
-2,804
-13,605
-26,525
-47,393
Investing
21
-43
-177
-126
-162
-385
37
410
180
48
-1,375
2,461
Financing
249
-1,102
3,027
824
6,351
9,193
9,712
3,445
395
11,809
30,041
49,320
Net Cash Flow
-209
-1,036
664
-734
1,364
3,838
1,935
2,260
-2,229
-1,749
2,142
4,388
Free Cash Flow
-503
80
-2,240
-1,467
-4,901
-5,062
-7,904
-1,691
-2,944
-13,826
-26,740
-47,543
CFO/OP
-4
13
-30
-8
-62
-52
-70
-2
-16
-105
-168
-172
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
13%
15%
20%
25%
23%
29%
28%
23%
18%
18%
20%
31%

Shareholding Pattern

As of Jun 2026
Promoters 73.35%
FIIs 11.61%
DIIs 10.76%
Public 3.51%
Others 0.78%
Total 100.01%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
73.40%
73.40%
73.37%
73.37%
73.37%
73.37%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
73.35%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
8.12%
0.00%
8.33%
8.69%
9.84%
10.26%
11.03%
10.84%
11.58%
11.75%
12.30%
11.61%
DIIs
6.18%
7.30%
7.85%
8.04%
9.27%
10.08%
10.91%
12.02%
12.66%
13.73%
14.65%
14.04%
14.71%
14.55%
13.31%
12.99%
11.74%
12.21%
11.37%
11.13%
10.42%
10.76%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
3.43%
3.29%
3.61%
3.83%
3.74%
4.02%
4.16%
3.83%
3.97%
3.65%
3.39%
3.26%
3.06%
2.89%
3.03%
2.94%
3.28%
3.05%
3.15%
3.22%
3.36%
3.51%
Others
17.00%
16.01%
15.17%
14.77%
13.62%
12.53%
11.58%
10.80%
10.02%
9.27%
0.50%
9.35%
0.54%
0.53%
0.47%
0.46%
0.60%
0.55%
0.56%
0.56%
0.57%
0.78%
No. of Shareholders
0
1,60,789
1,68,419
2,02,128
2,26,044
2,42,216
2,59,911
2,91,646
2,72,148
2,46,597
2,17,233
2,03,284
1,94,951
1,82,990
2,98,304
3,04,528
3,05,672
2,88,688
2,99,709
3,05,964
3,14,887
3,12,071

Documents

1
Concall - May 2017 May 2017
2
Concall - Aug 2017 Aug 2017
3
Concall - Nov 2017 Nov 2017
4
Concall - Feb 2018 Feb 2018
5
Concall - May 2018 May 2018

Frequently Asked Questions about Muthoot Finance Ltd

What does Muthoot Finance Ltd do?
Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]
Where is Muthoot Finance Ltd (MUTHOOTFIN) listed?
Muthoot Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: MUTHOOTFIN and BSE: 533398. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Muthoot Finance Ltd belong to?
Muthoot Finance Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Muthoot Finance Ltd?
Muthoot Finance Ltd has a market capitalisation of approximately ₹128510.06 Cr. Based on this, it is classified as a Large Cap stock.
What is the PE ratio of Muthoot Finance Ltd?
The Price-to-Earnings (PE) ratio of Muthoot Finance Ltd is 11.32. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Muthoot Finance Ltd?
Over the past 52 weeks, Muthoot Finance Ltd has traded between a low of ₹2,604.2 and a high of ₹4,149.5. This range helps investors understand the stock's price volatility and recent trading levels.
Does Muthoot Finance Ltd pay dividends?
Yes, Muthoot Finance Ltd has a dividend yield of 0.94%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Muthoot Finance Ltd?
Muthoot Finance Ltd has a Return on Equity (ROE) of 26.67%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Muthoot Finance Ltd on Tapetide?
On Tapetide, you can view Muthoot Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]

Website muthootfinance.com
CEO Mr. George Jacob Muthoot
Employees 31,113
Listed 2011-05-06
Face Value ₹ 10
Issued Size 40,14,68,476

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