Muthoot Finance Ltd

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

Muthoot Finance Ltd

₹ 3,297 0.73%
22 May - close price
muthootfinance.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 ₹ 1,32,352 Cr.
  • Current Price ₹ 3,297
  • High / Low ₹ 4,150 / 2,058
  • Stock P/E 12.5
  • Book Value ₹ 975
  • Dividend Yield 0.91 %
  • ROCE 15.8 %
  • ROE 30.9 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 22.7% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 17.7%
  • Company's median sales growth is 19.7% of last 10 years

Cons

  • Stock is trading at 3.38 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

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
3,275 3,472 3,606 3,820 4,164 4,474 4,929 5,190 5,622 6,450 7,283 8,188 9,289
Interest 1,091 1,236 1,335 1,412 1,447 1,595 1,807 1,900 2,111 2,355 2,571 2,919 3,155
829 847 805 872 1,121 1,226 1,324 1,405 1,549 1,441 1,480 1,426 1,528
Financing Profit 1,355 1,389 1,467 1,536 1,596 1,653 1,798 1,885 1,961 2,654 3,232 3,843 4,606
Financing Margin % 41% 40% 41% 40% 38% 37% 36% 36% 35% 41% 44% 47% 50%
23 37 26 23 16 19 29 32 6 35 50 20 3
Depreciation 23 19 22 24 27 26 25 31 35 35 38 40 24
Profit before tax 1,355 1,407 1,470 1,534 1,585 1,646 1,802 1,886 1,932 2,654 3,244 3,822 4,584
Tax % 26% 26% 26% 25% 25% 27% 27% 26% 25% 26% 26% 26% 26%
1,009 1,045 1,095 1,145 1,182 1,196 1,321 1,392 1,444 1,974 2,412 2,823 3,397
EPS in Rs 24.25 25.46 26.39 27.49 28.37 28.99 31.67 34.60 36.81 50.22 60.29 69.84 83.43
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 Mar 2026
4,336 4,936 5,935 6,714 7,594 9,684 11,535 12,186 11,898 15,062 20,214 31,209
Interest 2,114 2,288 2,374 2,132 2,543 3,180 4,109 4,268 4,225 5,452 7,461 11,000
1,110 1,268 1,554 1,656 1,747 2,207 2,259 2,490 2,747 3,622 5,481 5,822
Financing Profit 1,112 1,381 2,007 2,927 3,305 4,298 5,167 5,428 4,926 5,988 7,272 14,388
Financing Margin % 26% 28% 34% 44% 44% 44% 45% 45% 41% 40% 36% 46%
1 5 3 67 6 22 32 52 75 101 110 54
Depreciation 84 59 52 52 52 59 67 70 78 92 116 137
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 14,305
Tax % 35% 38% 38% 37% 35% 26% 26% 25% 25% 26% 26% 26%
672 818 1,200 1,844 2,103 3,169 3,819 4,031 3,670 4,468 5,352 10,607
EPS in Rs 16.86 20.41 30.03 45.74 51.86 78.25 94.83 100.08 89.98 107.71 132.84 263.79
Dividend Payout % 36% 29% 20% 22% 23% 19% 21% 20% 24% 22% 20% 11%
Compounded Sales Growth
10 Years: 20%
5 Years: 22%
3 Years: 38%
TTM: 54%
Compounded Profit Growth
10 Years: 29%
5 Years: 23%
3 Years: 43%
TTM: 99%
Stock Price CAGR
10 Years: 32%
5 Years: 21%
3 Years: 44%
1 Year: 58%
Return on Equity
10 Years: 24%
5 Years: 23%
3 Years: 24%
Last Year: 31%

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 Mar 2026
Equity Capital 398 399 399 400 401 401 401 401 401 401 401 401
Reserves 4,686 5,223 6,139 7,457 9,531 11,428 15,174 18,384 21,264 24,706 28,965 38,729
Borrowing 19,621 18,854 22,177 23,891 30,128 40,952 50,414 54,569 55,804 68,125 99,383 151,806
2,292 2,918 3,469 1,925 1,675 2,085 2,638 2,946 2,664 3,221 4,085 4,817
Total Liabilities 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 132,835 195,754
269 235 257 251 259 314 327 342 386 482 682 721
CWIP 7 11 10 6 23 29 39 52 67 89 13 10
Investments 20 49 97 177 211 630 809 523 546 712 2,401 550
26,700 27,100 31,820 33,237 41,241 53,894 67,453 75,382 79,135 95,170 129,739 194,472
Total Assets 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 132,835 195,754

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 Mar 2026
-479 108 -2,186 -1,432 -4,824 -4,970 -7,814 -1,596 -2,804 -13,605 -26,525 -47,393
21 -43 -177 -126 -162 -385 37 410 180 48 -1,375 2,458
249 -1,102 3,027 824 6,351 9,193 9,712 3,445 395 11,809 30,041 49,320
Net Cash Flow -209 -1,036 664 -734 1,364 3,838 1,935 2,260 -2,229 -1,749 2,142 4,385
Free Cash Flow -503 80 -2,240 -1,467 -4,901 -5,062 -7,904 -1,691 -2,944 -13,826 -26,740 -47,543
CFO/OP -4% 13% -30% -8% -62% -52% -70% -2% -16% -105% -168% -172%

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 Mar 2026
ROE % 13% 15% 20% 25% 23% 29% 28% 23% 18% 18% 20% 31%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2025
Average Gold Loan AUM Per Branch
Rs. Million ・Standalone data

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Gold Jewellery Held as Security
Tonnes ・Standalone data
Standalone Branch Network
Number ・Standalone data
Team Strength
Number ・Standalone data
Active Gold Loan Customers
Million ・Standalone data
Group Branch Network
Number
Number of Gold Loan Accounts
Million ・Standalone data
Average LTV
Percentage ・Standalone data

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 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%
8.70% 8.12% 8.34% 8.33% 8.68% 9.85% 10.26% 11.02% 10.84% 11.58% 11.75% 12.31%
13.73% 14.64% 14.61% 14.72% 14.55% 13.30% 12.99% 11.75% 12.21% 11.37% 11.13% 10.43%
4.21% 3.87% 3.72% 3.59% 3.41% 3.50% 3.38% 3.87% 3.60% 3.70% 3.77% 3.92%
No. of Shareholders 2,46,5972,17,2332,03,2841,94,9511,82,9902,98,3043,04,5283,05,6722,88,6882,99,7093,05,9643,14,887

* 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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