Muthoot Finance
Muthoot Finance
Financial Services F&OKey Fundamentals
MidcapNBFCFinancial ServicesPrice-based figures as of 9 Oct 2026, 3:55 pm IST · EPS basis: Consolidated · TTM
Tapetide Score
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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 2.69 times its book value
Growth Rate
AI Analysis — Bull vs Bear
As of the 2026-10-08 close, Muthoot Finance trades at Rs 2,559.6, which is also its 52-week low and 38.3% below its 52-week high of Rs 4,149.5. That gives it a market cap of Rs 102,759.87 crore, a TTM P/E of 9.04 and a P/B of 2.53. Fundamentals are strong: ROE is 26.67%, TTM sales growth is 51% and TTM profit growth is 85%. At the same time, the stock has returned -16% over the past year, and its 5-year price CAGR of 12% trails its 5-year profit CAGR of 23%.
- Earnings are growing fast. TTM compounded profit growth is 85% and 3-year profit CAGR is 43%, on TTM EPS of Rs 283.28.
- Returns on equity are high and consistent. Current ROE is 26.67%, last year's was 31%, and the 3-, 5- and 10-year averages are 24%, 23% and 24%.
- Valuation multiples are low as of 2026-10-08. The TTM P/E of 9.04 sits against TTM profit growth of 85% and 3-year profit CAGR of 43%.
- Revenue growth is strong. Sales grew 51% on a TTM basis and at a 38% 3-year CAGR, up from a 22% 5-year CAGR, while median sales growth over 10 years is 19.7%.
- Long-term growth has held up. 10-year profit CAGR is 29% and 10-year sales CAGR is 20%, and the stock has compounded at 23% over 10 years.
- At Rs 2,559.6 the price sits at its 52-week low, 38.3% below the Rs 4,149.5 high, while ROE remains 26.67%.
- The company pays a steady dividend, with a 1.13% yield and a 17.7% payout ratio, which leaves most earnings for growing the loan book.
- Price momentum is weak. The stock has fallen 16% over 1 year and closed on 2026-10-08 at its 52-week low of Rs 2,559.6, 38.3% below the Rs 4,149.5 high.
- Recent growth may be hard to repeat. TTM profit growth of 85% and sales growth of 51% are far above the 10-year CAGRs of 29% and 20%. For a gold-loan lender, these could reflect cyclical conditions such as gold price trends, which would make for a high base.
- ROE has come down from 31% last year to 26.67% now. That may mean peak profitability is behind it.
- The stock trades at 2.53 times book value, a premium for a lending business. Book-value multiples tend to shrink if asset quality or ROE weakens.
- Returns rely on leverage. ROCE is 15.43% against ROE of 26.67%. The provided data has no debt-to-equity figure, so balance-sheet leverage can't be checked from these numbers.
- Shareholder returns have lagged earnings. The 5-year stock CAGR of 12% is about half the 23% 5-year profit CAGR, so investors have not paid fully for the growth.
- Income from dividends is limited. The yield is 1.13% and the payout ratio 17.7%.
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
- AI lifts branch-visit conversion 150% Sep 10
Blue Machines AI's conversational platform has engaged 1.39 million gold-loan leads with a 63.1% connectivity rate and cut journey time from over 7 minutes to about 2. It also widened coverage from about 5,000 to more than 19,000 PIN codes. These figures come from the vendor.
- ₹31.8 cr Sri Lanka subsidiary infusion Sep 9
Muthoot subscribed ₹31.80 crore to a rights issue in Asia Asset Finance PLC. The subsidiary's PAT rose to Rs 1,038 Mn in FY25/26 from Rs 441 Mn, an increase of about 135%.
- Board reshuffle: three key appointments Oct 1
Eapen Alexander, Alexander George and George Alexander Muthoot took top roles effective Oct 1, 2026. Shareholders approved five-year terms at the AGM, which keeps leadership within the promoter family.
- ₹30.53 cr block trade on BSE Oct 5
About 1,12,433 shares changed hands at ₹2,715.70 per share, totalling ₹30.53 crore. This is a real-time signal and the exchange has not officially confirmed it.
- Trading window shut for Q2FY27 Sep 24
The trading window closes from Sep 30, 2026 until 48 hours after the Q2FY27 results are announced, as required by SEBI insider trading rules.
TL;DR: Recent news on Muthoot Finance is constructive. AI-driven lead conversion is scaling its digital-to-branch funnel, with branch visits on track to grow about 36x, and its Sri Lankan subsidiary more than doubled profit. No direct headwinds came up in this news set, but the AI performance numbers are vendor-reported, and the block trade's buyer and seller are unknown. The trend looks steady to improving, and Q2FY27 results will be the next test of gold-loan AUM growth and margins.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 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 |
Profit & Loss
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Cash Flow
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 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 |
Ratios
| Particulars | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13% | 15% | 20% | 25% | 23% | 29% | 28% | 23% | 18% | 18% | 20% | 31% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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71 extracted metrics + investor summaries across FY09–FY27.
Documents
Frequently Asked Questions about Muthoot Finance
What does Muthoot Finance Ltd do?
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What is the 52-week high and low of Muthoot Finance Ltd?
Does Muthoot Finance Ltd pay dividends?
What is the Return on Equity (ROE) of Muthoot Finance Ltd?
Company Information
Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]
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