Muthoot Finance Ltd

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

₹ 2,697 -1.46%
01 Oct - close price
muthootfinance.com BSE: 533398 NSE: MUTHOOTFIN F&O
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 F&O
  • Market Cap ₹ 1,08,280 Cr.
  • Current Price ₹ 2,697
  • High / Low ₹ 4,150 / 2,671
  • Stock P/E 10.2
  • Book Value ₹ 971
  • Dividend Yield 1.11 %
  • ROCE 16.0 %
  • ROE 30.6 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 22.2% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 18.6%
  • Company's median sales growth is 19.0% of last 10 years

Cons

  • Stock is trading at 2.78 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 BSE Dollex 200 Nifty Next 50 Nifty 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

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
2,999 3,060 3,168 3,409 3,704 4,117 4,423 4,854 5,703 6,432 7,243 8,180 7,589
Interest 1,064 1,156 1,212 1,223 1,351 1,550 1,648 1,880 2,119 2,313 2,647 2,863 3,146
635 572 566 753 849 852 913 951 832 971 997 1,154 1,014
Financing Profit 1,300 1,332 1,390 1,434 1,504 1,715 1,863 2,023 2,752 3,149 3,599 4,163 3,429
Financing Margin % 43% 44% 44% 42% 41% 42% 42% 42% 48% 49% 50% 51% 45%
28 14 8 9 6 9 8 20 17 29 11 14 14
Depreciation 13 15 17 19 18 16 20 23 24 26 28 10 20
Profit before tax 1,315 1,330 1,380 1,424 1,492 1,708 1,851 2,020 2,745 3,151 3,582 4,167 3,423
Tax % 26% 26% 26% 26% 28% 27% 26% 25% 25% 26% 26% 26% 25%
975 991 1,027 1,056 1,079 1,251 1,363 1,508 2,046 2,345 2,656 3,086 2,550
EPS in Rs 24.29 24.69 25.59 26.31 26.87 31.16 33.95 37.56 50.97 58.41 66.17 76.87 63.53
Gross NPA % 4.26% 4.01% 3.62% 3.28% 3.98% 4.30% 4.22% 3.41% 2.58% 2.25% 1.58% 2.35% 2.28%
Net NPA % 3.82% 3.59% 3.23% 2.90% 3.48% 3.68% 3.51% 2.79% 2.10% 1.86% 1.30% 2.04% 1.99%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

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
4,325 4,875 5,746 6,267 6,878 8,715 10,557 11,082 10,515 12,635 17,099 27,558 29,444
Interest 2,108 2,260 2,298 1,935 2,243 2,796 3,699 3,845 3,709 4,667 6,466 9,984 10,968
1,105 1,241 1,479 1,510 1,518 1,827 1,818 1,891 2,110 2,513 3,522 3,884 4,137
Financing Profit 1,112 1,374 1,969 2,822 3,117 4,092 5,040 5,347 4,696 5,455 7,111 13,691 14,339
Financing Margin % 26% 28% 34% 45% 45% 47% 48% 48% 45% 43% 42% 50% 49%
0 0 0 66 2 8 17 16 29 59 36 42 67
Depreciation 84 58 48 44 42 43 51 54 58 66 77 87 83
Profit before tax 1,028 1,317 1,921 2,845 3,077 4,057 5,007 5,309 4,666 5,449 7,071 13,645 14,323
Tax % 35% 39% 39% 38% 36% 26% 26% 26% 26% 26% 26% 26%
671 810 1,180 1,778 1,972 3,018 3,722 3,954 3,474 4,050 5,201 10,134 10,638
EPS in Rs 16.85 20.29 29.53 44.43 49.22 75.26 92.78 98.53 86.52 100.87 129.54 252.43 264.98
Dividend Payout % 36% 30% 20% 23% 24% 20% 22% 20% 25% 24% 20% 12%
Compounded Sales Growth
10 Years: 19%
5 Years: 21%
3 Years: 38%
TTM: 54%
Compounded Profit Growth
10 Years: 29%
5 Years: 22%
3 Years: 43%
TTM: 72%
Stock Price CAGR
10 Years: 23%
5 Years: 12%
3 Years: 30%
1 Year: -15%
Return on Equity
10 Years: 23%
5 Years: 23%
3 Years: 24%
Last Year: 31%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 5,220 6,117 7,412 9,392 11,171 14,838 17,943 20,660 23,889 28,036 37,341
Borrowing 19,436 18,567 20,985 21,167 26,833 37,130 45,946 49,811 49,734 58,783 89,820 138,443
2,250 2,862 3,211 1,813 1,443 1,758 2,280 2,399 1,824 1,955 2,991 3,759
Total Liabilities 26,769 27,049 30,713 30,792 38,069 50,460 63,465 70,555 72,620 85,028 121,249 179,945
257 218 208 200 193 228 247 267 272 350 480 514
CWIP 7 9 10 6 23 29 38 46 67 88 13 10
Investments 38 98 209 395 983 1,438 1,590 1,320 1,317 2,268 4,499 3,855
26,467 26,723 30,286 30,191 36,871 48,765 61,589 68,921 70,964 82,322 116,257 175,566
Total Assets 26,769 27,049 30,713 30,792 38,069 50,460 63,465 70,555 72,620 85,028 121,249 179,945

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-460 214 -1,710 -87 -3,858 -4,458 -7,477 -1,142 -1,902 -9,302 -25,855 -42,324
-16 -67 -134 -194 -585 -429 48 408 188 -739 -1,944 1,270
254 -1,204 2,457 -554 5,701 8,678 9,041 2,796 -1,036 8,649 29,933 45,569
Net Cash Flow -222 -1,058 613 -834 1,258 3,791 1,612 2,062 -2,750 -1,392 2,134 4,516
Free Cash Flow -485 193 -1,749 -114 -3,919 -4,536 -7,560 -1,213 -1,995 -9,471 -25,975 -42,441
CFO/OP -3% 16% -20% 19% -51% -50% -71% 2% -8% -78% -178% -164%

Ratios

Standalone / View Consolidated

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 % 14% 15% 19% 25% 22% 28% 28% 24% 18% 18% 20% 31%

Insights

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Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Average Gold Loan AUM per Branch (Standalone)
₹ in Millions

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Gold Loan AUM (Standalone)
₹ in Billions
Gold Quantity Held as Security (Standalone)
Tonnes
Number of Employees (Standalone)
Number
Active Customers (Standalone)
Number
Number of Loan Accounts (Standalone)
Number
Consolidated Branch Network
Number of Branches
Gold Loan Disbursement to New Customers (Standalone)
₹ in Crores

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35%
8.12% 8.34% 8.33% 8.68% 9.85% 10.26% 11.02% 10.84% 11.58% 11.75% 12.31% 11.61%
14.64% 14.61% 14.72% 14.55% 13.30% 12.99% 11.75% 12.21% 11.37% 11.13% 10.43% 10.75%
3.87% 3.72% 3.59% 3.41% 3.50% 3.38% 3.87% 3.60% 3.70% 3.77% 3.92% 4.29%
No. of Shareholders 2,17,2332,03,2841,94,9511,82,9902,98,3043,04,5283,05,6722,88,6882,99,7093,05,9643,14,8873,12,071

* 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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