Muthoot Finance Ltd

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

Muthoot Finance Ltd

₹ 2,497 4.36%
29 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 ₹ 1,00,251 Cr.
  • Current Price ₹ 2,497
  • High / Low ₹ 4,150 / 2,332
  • Stock P/E 8.81
  • Book Value ₹ 1,011
  • Dividend Yield 1.20 %
  • ROCE 15.8 %
  • ROE 30.9 %
  • Face Value ₹ 10.0
Edit ratios

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

* 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

Edit Columns
Loading peers table ...

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

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
3,472 3,606 3,820 4,164 4,474 4,929 5,190 5,622 6,450 7,283 8,188 9,289 8,672
Interest 1,236 1,335 1,412 1,447 1,595 1,807 1,900 2,111 2,355 2,571 2,919 3,155 3,458
847 805 872 1,121 1,226 1,324 1,405 1,549 1,422 1,480 1,426 1,528 1,408
Financing Profit 1,389 1,467 1,536 1,596 1,653 1,798 1,885 1,961 2,673 3,232 3,843 4,606 3,805
Financing Margin % 40% 41% 40% 38% 37% 36% 36% 35% 41% 44% 47% 50% 44%
37 26 23 16 19 29 32 6 16 50 20 3 23
Depreciation 19 22 24 27 26 25 31 35 35 38 40 24 31
Profit before tax 1,407 1,470 1,534 1,585 1,646 1,802 1,886 1,932 2,654 3,244 3,822 4,584 3,797
Tax % 26% 26% 25% 25% 27% 27% 26% 25% 26% 26% 26% 26% 26%
1,045 1,095 1,145 1,182 1,196 1,321 1,392 1,444 1,974 2,412 2,823 3,397 2,825
EPS in Rs 25.46 26.39 27.49 28.37 28.99 31.67 34.60 36.81 50.22 60.29 69.84 83.43 69.72
Gross NPA %
Net NPA %
Raw PDF
Upcoming result date: tomorrow

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 TTM
4,336 4,936 5,935 6,714 7,594 9,684 11,535 12,186 11,898 15,062 20,214 31,209 33,431
Interest 2,114 2,288 2,374 2,132 2,543 3,180 4,109 4,268 4,225 5,452 7,461 11,054 12,103
1,110 1,268 1,554 1,656 1,747 2,207 2,259 2,490 2,747 3,622 5,422 5,767 5,841
Financing Profit 1,112 1,381 2,007 2,927 3,305 4,298 5,167 5,428 4,926 5,988 7,331 14,388 15,486
Financing Margin % 26% 28% 34% 44% 44% 44% 45% 45% 41% 40% 36% 46% 46%
1 5 3 67 6 22 32 52 75 101 51 54 95
Depreciation 84 59 52 52 52 59 67 70 78 92 116 137 134
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 15,448
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 11,457
EPS in Rs 16.86 20.41 30.03 45.74 51.86 78.25 94.83 100.08 89.98 107.71 132.84 263.79 283.28
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: 51%
Compounded Profit Growth
10 Years: 29%
5 Years: 23%
3 Years: 43%
TTM: 85%
Stock Price CAGR
10 Years: 21%
5 Years: 11%
3 Years: 24%
1 Year: -22%
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 4,784
Total Liabilities 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 132,835 195,721
269 235 257 251 259 314 327 342 386 482 682 721
CWIP 7 11 10 6 23 29 39 52 67 89 13 11
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 95,170 129,739 194,439
Total Assets 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 132,835 195,721

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 2,461
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 4,388
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

Ratios

Consolidated / 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 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 ・Standalone data

Log in to view insights

Please log in to see hidden values.

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

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 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%
8.34% 8.33% 8.68% 9.85% 10.26% 11.02% 10.84% 11.58% 11.75% 12.31% 11.61% 9.72%
14.61% 14.72% 14.55% 13.30% 12.99% 11.75% 12.21% 11.37% 11.13% 10.43% 10.75% 12.54%
3.72% 3.59% 3.41% 3.50% 3.38% 3.87% 3.60% 3.70% 3.77% 3.92% 4.29% 4.40%
No. of Shareholders 2,03,2841,94,9511,82,9902,98,3043,04,5283,05,6722,88,6882,99,7093,05,9643,14,8873,12,0713,54,913

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls