Muthoot Finance Ltd
Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]
- Market Cap ₹ 1,08,344 Cr.
- Current Price ₹ 2,699
- High / Low ₹ 2,807 / 1,752
- Stock P/E 17.6
- Book Value ₹ 734
- Dividend Yield 0.96 %
- ROCE 13.4 %
- ROE 19.7 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has been maintaining a healthy dividend payout of 23.1%
Cons
- Stock is trading at 3.68 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
Financial Services Financial Services Finance Non Banking Financial Company (NBFC)
Part of BSE 500 BSE 200 Nifty 500 BSE MidCap Nifty Midcap 100
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
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 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
4,947 | 4,325 | 4,875 | 5,746 | 6,267 | 6,878 | 8,715 | 10,557 | 11,082 | 10,515 | 12,635 | 17,099 | 19,099 | |
Interest | 2,630 | 2,108 | 2,260 | 2,298 | 1,935 | 2,243 | 2,796 | 3,699 | 3,845 | 3,709 | 4,667 | 6,466 | 7,197 |
1,077 | 1,105 | 1,241 | 1,479 | 1,510 | 1,518 | 1,827 | 1,818 | 1,891 | 2,110 | 2,513 | 3,543 | 3,562 | |
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 | 8,339 |
Financing Margin % | 25% | 26% | 28% | 34% | 45% | 45% | 47% | 48% | 48% | 45% | 43% | 41% | 44% |
0 | 0 | 0 | 0 | 66 | 2 | 8 | 17 | 16 | 29 | 59 | 57 | 67 | |
Depreciation | 47 | 84 | 58 | 48 | 44 | 42 | 43 | 51 | 54 | 58 | 66 | 77 | 82 |
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 | 8,324 |
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 | 6,168 | |
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 | 153.64 |
Dividend Payout % | 29% | 36% | 30% | 20% | 23% | 24% | 20% | 22% | 20% | 25% | 24% | 20% |
Compounded Sales Growth | |
---|---|
10 Years: | 15% |
5 Years: | 14% |
3 Years: | 16% |
TTM: | 43% |
Compounded Profit Growth | |
---|---|
10 Years: | 23% |
5 Years: | 11% |
3 Years: | 10% |
TTM: | 49% |
Stock Price CAGR | |
---|---|
10 Years: | 32% |
5 Years: | 19% |
3 Years: | 38% |
1 Year: | 36% |
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% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Amendments to Memorandum & Articles of Association
8h - AGM Aug 30, 2025 approved amending Article 100 to raise maximum directors from 15 to 16.
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Announcement under Regulation 30 (LODR)-Change in Management
8h - Appointed KSR & Co as Secretarial Auditor effective 30 Aug 2025, five-year term until 2030.
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Announcement under Regulation 30 (LODR)-Change in Management
9h - AGM approved: K.V. Eapen appointed Independent Director from 01.10.2025; Mohan re-appointed till 2030; Alexander George re-appointed five years from 30.09.2025.
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Announcement under Regulation 30 (LODR)-Meeting Updates
10h - 28th AGM on Aug 30, 2025: all resolutions passed; Alexander George re-appointed WTD effective Sep 30, 2025.
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report 10h
Annual reports
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Financial Year 2025
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2013
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Financial Year 2012
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Concalls
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Aug 2025Transcript PPT REC
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Nov 2017TranscriptNotesPPT
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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]