Muthoot Finance Ltd

About [ edit ]

Muthoot Finance is engaged in the business of diversified interests in the fields of Financial Serivces, Healthcare, Real Estate, Plantations,Foregin Exchange, Information Technology, Education, Insurance Distribution, Hospitality etc.

  • Market Cap 52,592 Cr.
  • Current Price 1,311
  • High / Low 1,406 / 477
  • Stock P/E 14.6
  • Book Value 361
  • Dividend Yield 1.14 %
  • ROCE 16.0 %
  • ROE 28.8 %
  • Face Value 10.0

Pros

  • Company has delivered good profit growth of 36.15% CAGR over last 5 years
  • Company has a good return on equity (ROE) track record: 3 Years ROE 26.13%
  • Company has been maintaining a healthy dividend payout of 21.39%

Cons

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
1,783 1,818 1,904 2,085 2,068 2,397 2,588 2,630 2,604 2,821 3,001
412 412 390 540 464 511 616 624 469 536 600
Operating Profit 1,371 1,406 1,514 1,545 1,604 1,886 1,973 2,006 2,135 2,285 2,401
OPM % 77% 77% 80% 74% 78% 79% 76% 76% 82% 81% 80%
Other Income 2 3 2 4 4 9 7 3 2 3 16
Interest 570 610 667 689 732 766 810 864 972 1,028 1,049
Depreciation 11 12 13 15 12 13 16 17 14 16 17
Profit before tax 793 787 835 845 864 1,116 1,153 1,128 1,151 1,244 1,351
Tax % 35% 35% 38% 35% 35% 19% 25% 26% 26% 25% 25%
Net Profit 513 509 514 542 556 900 853 829 854 926 1,005
EPS in Rs 12.82 12.72 12.83 13.52 13.88 22.45 21.27 20.68 21.28 23.08 25.05
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
4,336 4,936 5,935 6,714 7,594 9,684 11,057
1,110 1,268 1,554 1,656 1,747 2,207 2,229
Operating Profit 3,226 3,668 4,381 5,058 5,848 7,477 8,827
OPM % 74% 74% 74% 75% 77% 77% 80%
Other Income 1 5 3 67 6 22 24
Interest 2,114 2,288 2,374 2,132 2,543 3,180 3,913
Depreciation 84 59 52 52 52 59 64
Profit before tax 1,029 1,327 1,959 2,942 3,260 4,260 4,874
Tax % 35% 38% 38% 37% 35% 26%
Net Profit 671 814 1,200 1,830 2,078 3,138 3,614
EPS in Rs 16.86 20.41 30.03 45.74 51.86 78.25 90.09
Dividend Payout % 36% 29% 20% 22% 23% 19%
Compounded Sales Growth
10 Years:%
5 Years:17%
3 Years:18%
TTM:21%
Compounded Profit Growth
10 Years:%
5 Years:36%
3 Years:38%
TTM:27%
Stock Price CAGR
10 Years:%
5 Years:49%
3 Years:50%
1 Year:51%
Return on Equity
10 Years:%
5 Years:24%
3 Years:26%
Last Year:29%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Dec 2020
398 399 399 400 401 401 401
Reserves 4,686 5,223 6,139 7,457 9,531 11,428 14,092
Borrowings 19,621 18,854 22,177 23,891 30,128 40,952 50,615
2,292 2,918 3,469 1,925 1,675 2,085 2,448
Total Liabilities 26,996 27,395 32,184 33,672 41,734 54,867 67,555
269 235 257 251 259 314 327
CWIP 7 11 10 6 23 29 36
Investments 20 49 97 177 211 630 1,339
26,700 27,100 31,820 33,237 41,241 53,894 65,853
Total Assets 26,996 27,395 32,184 33,672 41,734 54,867 67,555

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
-479 108 -2,186 -1,432 -4,824 -4,975
21 -43 -177 -126 -162 -392
249 -1,102 3,027 824 6,351 9,196
Net Cash Flow -209 -1,036 664 -734 1,364 3,829

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROCE % 15% 16% 17% 16% 16%
Debtor Days 97 109 79 1 1 0
Inventory Turnover 42.91 31.58

Shareholding Pattern

Numbers in percentages

Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020
73.61 73.60 73.58 73.51 73.49 73.49 73.48 73.44 73.43 73.43 73.40 73.40
11.10 9.87 10.18 11.00 12.35 13.90 15.03 14.50 14.37 14.56 13.92 15.11
10.81 11.91 11.68 10.99 9.83 8.35 7.52 7.84 7.09 7.34 7.71 6.99
0.10 0.10 0.10 0.10 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
4.38 4.52 4.46 4.40 4.33 4.26 3.96 4.22 5.12 4.68 4.97 4.50

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