Muthoot Finance Ltd

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

Muthoot Finance Ltd

₹ 2,081 2.46%
21 May 2:14 p.m.
muthootfinance.com; www.muthootgroup.com BSE: 533398 NSE: MUTHOOTFIN
About

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

Key Points

Business Verticals
1) Muthoot Finance Ltd (MFL): The company is India’s largest gold financing company in terms of loan portfolio, and also offers Money Transfer Services, Business loans, Corporate Loans, loans against Property, Collection Services, etc. It operates 4,800+ branches across 29 States and Union territories. It holds 202 tons of gold jewelry as security and services 2+ lakh customers daily. [1]

Website BSE NSE
  • Market Cap ₹ 83,537 Cr.
  • Current Price ₹ 2,081
  • High / Low ₹ 2,445 / 1,579
  • Stock P/E 16.0
  • Book Value ₹ 708
  • Dividend Yield 1.28 %
  • ROCE 13.4 %
  • ROE 19.7 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 2.83 times its book value

* 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

Sector: Finance Industry: Finance & Investments

Part of BSE 500 BSE 200 Nifty 500 BSE MidCap Nifty Midcap 100

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
2,670 2,504 2,498 2,660 2,853 2,999 3,060 3,168 3,409 3,704 4,117 4,423 4,854
Interest 921 942 903 914 941 1,064 1,156 1,212 1,223 1,351 1,550 1,648 1,880
450 473 426 531 690 635 572 566 753 849 852 913 966
Financing Profit 1,299 1,089 1,169 1,214 1,223 1,300 1,332 1,390 1,434 1,504 1,715 1,863 2,009
Financing Margin % 49% 44% 47% 46% 43% 43% 44% 44% 42% 41% 42% 42% 41%
8 5 6 7 10 28 14 8 9 6 9 8 34
Depreciation 16 13 14 15 17 13 15 17 19 18 16 20 23
Profit before tax 1,292 1,082 1,161 1,207 1,216 1,315 1,330 1,380 1,424 1,492 1,708 1,851 2,020
Tax % 26% 26% 25% 25% 26% 26% 26% 26% 26% 28% 27% 26% 25%
960 802 867 902 903 975 991 1,027 1,056 1,079 1,251 1,363 1,508
EPS in Rs 23.93 19.98 21.60 22.46 22.49 24.29 24.69 25.59 26.31 26.87 31.16 33.95 37.56
Gross NPA % 2.99% 2.13% 2.58% 3.79% 4.26% 4.01% 3.62% 3.28% 3.98% 4.30% 4.22% 3.41%
Net NPA % 2.68% 1.90% 2.31% 3.40% 3.82% 3.59% 3.23% 2.90% 3.48% 3.68% 3.51% 2.79%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
4,947 4,325 4,875 5,746 6,267 6,878 8,715 10,557 11,082 10,515 12,635 17,099
Interest 2,630 2,108 2,260 2,298 1,935 2,243 2,796 3,699 3,845 3,709 4,667 6,429
1,077 1,105 1,241 1,479 1,510 1,518 1,827 1,818 1,891 2,110 2,513 3,580
Financing Profit 1,241 1,112 1,374 1,969 2,822 3,117 4,092 5,040 5,347 4,696 5,455 7,091
Financing Margin % 25% 26% 28% 34% 45% 45% 47% 48% 48% 45% 43% 41%
0 0 0 0 66 2 8 17 16 29 59 57
Depreciation 47 84 58 48 44 42 43 51 54 58 66 77
Profit before tax 1,194 1,028 1,317 1,921 2,845 3,077 4,057 5,007 5,309 4,666 5,449 7,071
Tax % 35% 35% 39% 39% 38% 36% 26% 26% 26% 26% 26% 26%
780 671 810 1,180 1,778 1,972 3,018 3,722 3,954 3,474 4,050 5,201
EPS in Rs 20.99 16.85 20.29 29.53 44.43 49.22 75.26 92.78 98.53 86.52 100.87 129.54
Dividend Payout % 29% 36% 30% 20% 23% 24% 20% 22% 20% 25% 24% 0%
Compounded Sales Growth
10 Years: 15%
5 Years: 14%
3 Years: 16%
TTM: 35%
Compounded Profit Growth
10 Years: 23%
5 Years: 12%
3 Years: 10%
TTM: 28%
Stock Price CAGR
10 Years: 27%
5 Years: 20%
3 Years: 21%
1 Year: 19%
Return on Equity
10 Years: 21%
5 Years: 21%
3 Years: 19%
Last Year: 20%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 372 398 399 399 400 401 401 401 401 401 401 401
Reserves 3,893 4,686 5,220 6,117 7,412 9,392 11,171 14,838 17,943 20,660 23,889 28,036
Borrowing 19,478 19,436 18,567 20,985 21,167 26,833 37,130 45,946 49,811 49,734 58,783 89,820
1,852 2,250 2,862 3,211 1,813 1,443 1,758 2,280 2,399 1,824 1,955 2,991
Total Liabilities 25,594 26,769 27,049 30,713 30,792 38,069 50,460 63,465 70,555 72,620 85,028 121,249
313 257 218 208 200 193 228 247 267 272 350 480
CWIP 14 7 9 10 6 23 29 38 46 67 88 13
Investments 35 38 98 209 395 983 1,438 1,590 1,320 1,317 2,268 4,499
25,232 26,467 26,723 30,286 30,191 36,871 48,765 61,589 68,921 70,964 82,322 116,257
Total Assets 25,594 26,769 27,049 30,713 30,792 38,069 50,460 63,465 70,555 72,620 85,028 121,249

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
5,726 -460 214 -1,710 -87 -3,858 -4,458 -7,477 -1,142 -1,902 -9,302 -25,855
-3 -16 -67 -134 -194 -585 -429 48 408 188 -739 -1,944
-5,107 254 -1,204 2,457 -554 5,701 8,678 9,041 2,796 -1,036 8,649 29,933
Net Cash Flow 617 -222 -1,058 613 -834 1,258 3,791 1,612 2,062 -2,750 -1,392 2,134

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 20% 14% 15% 19% 25% 22% 28% 28% 24% 18% 18% 20%

Shareholding Pattern

Numbers in percentages

Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
73.37% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35%
10.96% 9.93% 10.00% 9.37% 8.70% 8.12% 8.34% 8.33% 8.68% 9.85% 10.26% 11.02%
10.48% 11.76% 12.02% 12.66% 13.73% 14.64% 14.61% 14.72% 14.55% 13.30% 12.99% 11.75%
5.20% 4.96% 4.62% 4.61% 4.21% 3.87% 3.72% 3.59% 3.41% 3.50% 3.38% 3.87%
No. of Shareholders 2,59,9112,91,6462,66,2172,72,1482,46,5972,17,2332,03,2841,94,9511,82,9902,98,3043,04,5283,05,672

* 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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Documents

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