Muthoot Capital Services Ltd

Muthoot Cap.Serv Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Muthoot Capital Services Ltd

₹ 199 -1.03%
29 May - close price
muthootcap.com BSE: 511766 NSE: MUTHOOTCAP
About

The company is deposit-taking NBFC & part of Muthoot Group. The group has established a strong reputation and brand in India, particularly in South India. The promoters have more than 30 years of experience in the lending business.
The company started its business in 2-wheeler financing in 1998 and since then expanded into financing used cars, consumer durables, and small-ticket business loans. [1]

Key Points

Strategic benefits from Muthoot Group
MCSL has common promoters and promoter directors like the other MPG companies.[1]
Besides its own sales force, MCSL also has access to the 3500+ branch network and large customer base of MFL for origination of new loans and collection.[2]
Initially, it provided gold loans but subsequently, as the group scaled up its gold financing business in MFL, MCSL entered the two-wheeler financing segment in fiscal 2008 and gradually exited the gold loan business.

Website BSE NSE
  • Market Cap ₹ 325 Cr.
  • Current Price ₹ 199
  • High / Low ₹ 367 / 175
  • Stock P/E 26.2
  • Book Value ₹ 408
  • Dividend Yield 0.00 %
  • ROCE 8.87 %
  • ROE 1.86 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.49 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 4.24% over past five years.
  • Company has a low return on equity of 5.94% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
115.06 106.53 98.14 95.95 97.98 100.00 108.65 125.68 137.31 145.31 153.55 155.08 166.60
Interest 42.65 44.18 41.18 39.78 42.43 43.70 50.72 61.51 67.63 75.09 81.39 81.16 77.58
35.20 38.01 42.59 43.35 40.73 41.15 36.51 46.26 63.83 77.38 69.11 68.14 78.05
Financing Profit 37.21 24.34 14.37 12.82 14.82 15.15 21.42 17.91 5.85 -7.16 3.05 5.78 10.97
Financing Margin % 32.34% 22.85% 14.64% 13.36% 15.13% 15.15% 19.71% 14.25% 4.26% -4.93% 1.99% 3.73% 6.58%
0.06 0.08 97.79 0.79 0.20 0.18 1.14 0.46 3.06 2.18 1.87 5.86 0.38
Depreciation 0.21 0.15 0.17 0.21 0.33 0.82 0.94 1.08 1.93 1.19 1.21 1.33 3.60
Profit before tax 37.06 24.27 111.99 13.40 14.69 14.51 21.62 17.29 6.98 -6.17 3.71 10.31 7.75
Tax % 29.98% 26.86% 25.69% 25.30% 20.42% 25.57% 26.09% 27.41% 7.88% -24.31% 23.99% 25.90% 30.84%
25.96 17.75 83.21 10.01 11.68 10.80 15.97 12.56 6.42 -4.67 2.83 7.65 5.37
EPS in Rs 15.78 10.79 50.59 6.09 7.10 6.57 9.71 7.64 3.90 -2.84 1.72 4.65 3.26
Gross NPA % 20.55% 21.08% 11.67% 10.69% 10.17% 9.84% 4.80% 4.73% 4.88% 5.76% 6.46% 6.44% 6.96%
Net NPA % 2.58% 2.57% 3.88% 3.55% 3.40% 3.41% 1.62% 2.22% 2.30% 2.70% 3.07% 3.64% 4.12%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
191 228 284 398 518 586 504 411 443 399 474 621
Interest 77 98 125 167 238 303 248 209 227 218 258 315
79 94 112 148 147 188 186 417 107 157 153 293
Financing Profit 35 36 47 83 134 95 70 -215 109 24 62 13
Financing Margin % 18% 16% 17% 21% 26% 16% 14% -52% 25% 6% 13% 2%
1 0 0 0 0 0 1 0 0 141 3 10
Depreciation 1 1 1 1 1 2 1 1 1 1 5 7
Profit before tax 34 35 46 82 133 93 70 -216 109 164 60 16
Tax % 35% 36% 35% 35% 35% 35% 26% -25% 28% 25% 24% 28%
22 23 30 54 86 60 51 -162 79 123 46 11
EPS in Rs 16.27 16.68 21.96 32.64 52.35 36.77 31.29 -98.46 47.84 74.58 27.82 6.79
Dividend Payout % 28% 30% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 11%
5 Years: 4%
3 Years: 12%
TTM: 31%
Compounded Profit Growth
10 Years: -6%
5 Years: -25%
3 Years: -46%
TTM: -73%
Stock Price CAGR
10 Years: 2%
5 Years: -13%
3 Years: -16%
1 Year: -31%
Return on Equity
10 Years: 7%
5 Years: 1%
3 Years: 6%
Last Year: 2%

Balance Sheet

Figures in Rs. Crores

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 12 12 12 16 16 16 16 16 16 16 16 16
Reserves 121 135 166 377 431 491 543 395 473 595 642 654
Borrowing 700 878 991 1,441 2,126 2,351 1,945 1,625 1,891 1,660 2,855 3,314
43 47 109 143 67 55 56 63 55 42 72 71
Total Liabilities 876 1,072 1,278 1,978 2,640 2,913 2,560 2,099 2,435 2,314 3,585 4,056
2 2 2 2 2 4 3 2 2 6 10 8
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 14 14 15 18 20 16 16 27 46 107 112 129
860 1,057 1,261 1,957 2,618 2,893 2,540 2,069 2,388 2,201 3,463 3,918
Total Assets 876 1,072 1,278 1,978 2,640 2,913 2,560 2,099 2,435 2,314 3,585 4,056

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-129 -166 -99 -614 -501 24 670 73 -46 -7 -1,096 -375
-6 0 -2 -3 0 2 1 -9 -17 -63 -8 -24
130 165 107 619 529 229 -416 -311 272 -251 1,220 467
Net Cash Flow -5 -0 6 2 29 255 255 -248 209 -321 116 68
Free Cash Flow -129 -167 -100 -615 -501 21 669 73 -47 -12 -1,102 -381
CFO/OP -104% -111% -48% -233% -119% 16% 215% -1,635% -5% 8% -337% -110%

Ratios

Figures in Rs. Crores

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 % 18% 16% 18% 19% 20% 13% 10% -33% 17% 9% 7% 2%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Dec 2025
Assets Under Management (AUM)
INR Crores

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State Presence
Count
Gross Non-Performing Assets (GNPA)
%
Number of Live Loans
Count
Total Disbursements
INR Crores
Commercial Vehicle (CV) AUM
INR Crores
Two-Wheeler AUM
INR Crores
Used Four-Wheeler AUM
INR Crores

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
62.62% 62.62% 62.62% 62.62% 62.62% 62.62% 62.62% 62.62% 62.62% 63.33% 63.33% 63.33%
0.97% 1.56% 1.35% 1.36% 1.32% 1.30% 1.46% 1.39% 2.50% 1.99% 1.38% 1.30%
0.86% 0.93% 0.68% 0.68% 0.84% 1.22% 1.27% 1.36% 1.45% 1.43% 1.43% 1.01%
35.55% 34.88% 35.35% 35.33% 35.22% 34.86% 34.65% 34.62% 33.42% 33.25% 33.85% 34.34%
No. of Shareholders 18,72518,02218,65819,73319,78221,75522,34822,52422,63322,42921,93121,787

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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