Muthoot Finance Ltd
₹ 3,830
-6.41%
30 Jan
- close price
About
Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]
Key Points
- Market Cap ₹ 1,53,746 Cr.
- Current Price ₹ 3,830
- High / Low ₹ 4,150 / 1,964
- Stock P/E 21.2
- Book Value ₹ 793
- Dividend Yield 0.68 %
- 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 4.83 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.
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Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Upcoming result date: 12 February 2026
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 | 21,413 | |
| 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 | 7,959 |
| 1,077 | 1,105 | 1,241 | 1,479 | 1,510 | 1,518 | 1,827 | 1,818 | 1,891 | 2,110 | 2,513 | 3,543 | 3,682 | |
| 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 | 9,773 |
| Financing Margin % | 25% | 26% | 28% | 34% | 45% | 45% | 47% | 48% | 48% | 45% | 43% | 41% | 46% |
| 0 | 0 | 0 | 0 | 66 | 2 | 8 | 17 | 16 | 29 | 59 | 57 | 87 | |
| Depreciation | 47 | 84 | 58 | 48 | 44 | 42 | 43 | 51 | 54 | 58 | 66 | 77 | 92 |
| 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 | 9,768 |
| 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 | 7,262 | |
| 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 | 180.89 |
| 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: | 49% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 23% |
| 5 Years: | 11% |
| 3 Years: | 10% |
| TTM: | 65% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 35% |
| 5 Years: | 27% |
| 3 Years: | 56% |
| 1 Year: | 70% |
| 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 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 372 | 398 | 399 | 399 | 400 | 401 | 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 | 31,442 |
| 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 | 111,945 |
| 1,852 | 2,250 | 2,862 | 3,211 | 1,813 | 1,443 | 1,758 | 2,280 | 2,399 | 1,824 | 1,955 | 2,991 | 3,680 | |
| 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 | 147,468 |
| 313 | 257 | 218 | 208 | 200 | 193 | 228 | 247 | 267 | 272 | 350 | 480 | 472 | |
| CWIP | 14 | 7 | 9 | 10 | 6 | 23 | 29 | 38 | 46 | 67 | 88 | 13 | 10 |
| Investments | 35 | 38 | 98 | 209 | 395 | 983 | 1,438 | 1,590 | 1,320 | 1,317 | 2,268 | 4,499 | 7,931 |
| 25,232 | 26,467 | 26,723 | 30,286 | 30,191 | 36,871 | 48,765 | 61,589 | 68,921 | 70,964 | 82,322 | 116,257 | 139,055 | |
| 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 | 147,468 |
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) Regulation
1d - USD 600m 5.75% notes due Aug 4, 2030; priced Jan 29, settlement Feb 4, 2026
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Announcement Under Regulation 30 Of LODR
28 Jan - New mandate for potential USD 144A/Reg S senior secured bond (4.5-year tenor); investor calls on 28 Jan 2026.
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Board Meeting Intimation for Prior Intimation About Board Meeting
27 Jan - Board meeting on 12 Feb 2026 to consider/approve unaudited results for quarter ended 31 Dec 2025.
- Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 10 Jan
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Announcement under Regulation 30 (LODR)-Newspaper Publication
5 Jan - Newspaper Advertisement of Special Window for Re-lodgement of Transfer Requests of Physical Shares.
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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Nov 2025Transcript PPT REC
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Aug 2025Transcript PPT REC
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Nov 2024Transcript PPT REC
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Nov 2023Transcript PPT
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Feb 2023Transcript PPT
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Nov 2022TranscriptAI SummaryPPT
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Nov 2021TranscriptAI SummaryPPT
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Aug 2021Transcript PPT
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Nov 2020TranscriptAI SummaryPPT
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Jun 2020TranscriptAI SummaryPPT
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Nov 2019TranscriptAI SummaryPPT
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Aug 2019TranscriptAI SummaryPPT
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May 2019TranscriptAI SummaryPPT
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Feb 2019TranscriptAI SummaryPPT
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Dec 2018TranscriptAI SummaryPPT
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Sep 2018TranscriptAI SummaryPPT
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May 2018TranscriptAI SummaryPPT
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Feb 2018TranscriptAI SummaryPPT
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Nov 2017TranscriptAI SummaryPPT
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Aug 2017TranscriptAI SummaryPPT
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May 2017TranscriptAI SummaryPPT
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Feb 2017TranscriptAI SummaryPPT
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]