Muthoot Finance Ltd

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

Muthoot Finance Ltd

₹ 2,068 1.85%
21 May 12:45 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 ₹ 83,041 Cr.
  • Current Price ₹ 2,068
  • High / Low ₹ 2,445 / 1,579
  • Stock P/E 15.6
  • Book Value ₹ 731
  • Dividend Yield 1.28 %
  • ROCE 13.1 %
  • ROE 19.6 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has been maintaining a healthy dividend payout of 22.1%

Cons

  • Stock is trading at 2.76 times its book value
  • Company has low interest coverage ratio.

* 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

Consolidated Figures in Rs. Crores / View Standalone

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
3,021 2,788 2,825 3,010 3,275 3,472 3,606 3,820 4,164 4,474 4,929 5,190 5,622
Interest 1,032 1,051 1,020 1,047 1,091 1,236 1,335 1,412 1,447 1,595 1,807 1,900 2,111
636 624 596 715 829 847 805 872 1,121 1,226 1,324 1,405 1,575
Financing Profit 1,353 1,113 1,208 1,248 1,355 1,389 1,467 1,536 1,596 1,653 1,798 1,885 1,936
Financing Margin % 45% 40% 43% 41% 41% 40% 41% 40% 38% 37% 36% 36% 34%
20 16 17 21 23 37 26 23 16 19 29 32 31
Depreciation 21 17 18 20 23 19 22 24 27 26 25 31 35
Profit before tax 1,352 1,112 1,207 1,249 1,355 1,407 1,470 1,534 1,585 1,646 1,802 1,886 1,932
Tax % 26% 26% 25% 25% 26% 26% 26% 25% 25% 27% 27% 26% 25%
1,006 825 902 934 1,009 1,045 1,095 1,145 1,182 1,196 1,321 1,392 1,444
EPS in Rs 24.84 20.41 22.22 23.11 24.25 25.46 26.39 27.49 28.37 28.99 31.67 34.60 36.81
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
4,336 4,936 5,935 6,714 7,594 9,684 11,535 12,186 11,898 15,062 20,214
Interest 2,114 2,288 2,374 2,132 2,543 3,180 4,109 4,268 4,225 5,452 7,412
1,110 1,268 1,554 1,656 1,747 2,207 2,259 2,490 2,747 3,622 5,530
Financing Profit 1,112 1,381 2,007 2,927 3,305 4,298 5,167 5,428 4,926 5,988 7,272
Financing Margin % 26% 28% 34% 44% 44% 44% 45% 45% 41% 40% 36%
1 5 3 67 6 22 32 52 75 101 110
Depreciation 84 59 52 52 52 59 67 70 78 92 116
Profit before tax 1,029 1,327 1,959 2,942 3,260 4,260 5,131 5,410 4,923 5,996 7,266
Tax % 35% 38% 38% 37% 35% 26% 26% 25% 25% 26% 26%
672 818 1,200 1,844 2,103 3,169 3,819 4,031 3,670 4,468 5,352
EPS in Rs 16.86 20.41 30.03 45.74 51.86 78.25 94.83 100.08 89.98 107.71 132.84
Dividend Payout % 36% 29% 20% 22% 23% 19% 21% 20% 24% 22% 20%
Compounded Sales Growth
10 Years: 17%
5 Years: 16%
3 Years: 18%
TTM: 34%
Compounded Profit Growth
10 Years: 23%
5 Years: 11%
3 Years: 10%
TTM: 23%
Stock Price CAGR
10 Years: 27%
5 Years: 20%
3 Years: 21%
1 Year: 19%
Return on Equity
10 Years: 22%
5 Years: 21%
3 Years: 19%
Last Year: 20%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 398 399 399 400 401 401 401 401 401 401 401
Reserves 4,686 5,223 6,139 7,457 9,531 11,428 15,174 18,384 21,264 24,706 28,965
Borrowing 19,621 18,854 22,177 23,891 30,128 40,952 50,414 54,569 55,804 68,274 99,383
2,292 2,918 3,469 1,925 1,675 2,085 2,638 2,946 2,664 3,072 4,110
Total Liabilities 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 132,860
269 235 257 251 259 314 327 342 386 482 682
CWIP 7 11 10 6 23 29 39 52 67 89 13
Investments 20 49 97 177 211 630 809 523 546 712 2,401
26,700 27,100 31,820 33,237 41,241 53,894 67,453 75,382 79,135 95,170 129,764
Total Assets 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 132,860

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-479 108 -2,186 -1,432 -4,824 -4,970 -7,814 -1,596 -2,804 -13,754 -26,376
21 -43 -177 -126 -162 -385 37 410 180 48 -1,376
249 -1,102 3,027 824 6,351 9,193 9,712 3,445 395 11,958 29,893
Net Cash Flow -209 -1,036 664 -734 1,364 3,838 1,935 2,260 -2,229 -1,749 2,140

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 15% 20% 25% 23% 29% 28% 23% 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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Credit ratings

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