WEBSITE BSE:533398 NSE: MUTHOOT FIN Inc. Year: 1997 Industry: Finance - NBFC
Last updated: 15:57
Muthoot Finance Limited is a gold financing agency. The Company is a NBFC, that's engaged in providing loan (financing) towards collateral of jewellery. The Company operates through 2 segments: Financing and Power Generation. The Company offers personal and business loans (secured by using gold jewellery) primarily to individuals having no access to formal credit for an inexpensive tenure to fulfill their short-term period operating capital necessities. The Company offers gold loans, foreign inward cash switch services, foreign exchange service...Read More
Muthoot Finance Limited is a gold financing agency. The Company is a NBFC, that's engaged in providing loan (financing) towards collateral of jewellery. The Company operates through 2 segments: Financing and Power Generation. The Company offers personal and business loans (secured by using gold jewellery) primarily to individuals having no access to formal credit for an inexpensive tenure to fulfill their short-term period operating capital necessities. The Company offers gold loans, foreign inward cash switch services, foreign exchange services, coverage broker, domestic loans, private loans, series offerings, microfinance, wind mill power generation, white label computerized teller machine, immediately cash transfer offerings and domestic cash transfer offerings. The Company has a community of approximately 4,294 branches throughout India. In Sri Lanka, the Company offer corporate loans, mortgage loans, factoring, business loan and short term loans, among others. ...Read Less
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Market Cap ₹152670 Cr.
Stock P/E 28.5
P/B 4.7
Current Price ₹3802.8
Book Value ₹ 817.4
Face Value 10
52W High ₹4027.8
Dividend Yield 0.68%
52W Low ₹ 1964.4
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 3472 | 3606 | 3820 | 4164 | 4474 | 4929 | 5190 | 5622 | 6450 | 7283 |
| Other Income | 37 | 26 | 23 | 16 | 19 | 29 | 32 | 31 | 35 | 50 |
| Total Income | 3509 | 3632 | 3843 | 4179 | 4492 | 4957 | 5222 | 5653 | 6485 | 7333 |
| Total Expenditure | 847 | 805 | 872 | 1121 | 1226 | 1324 | 1405 | 1575 | 1441 | 1480 |
| Operating Profit | 2662 | 2827 | 2971 | 3058 | 3266 | 3634 | 3816 | 4078 | 5044 | 5853 |
| Interest Expense | 1236 | 1335 | 1412 | 1447 | 1595 | 1807 | 1900 | 2111 | 2355 | 2571 |
| Depreciation | 19 | 22 | 24 | 27 | 26 | 25 | 31 | 35 | 35 | 38 |
| Profit Before Tax | 1407 | 1470 | 1534 | 1585 | 1646 | 1802 | 1886 | 1932 | 2654 | 3244 |
| Provision for Tax | 362 | 375 | 389 | 403 | 450 | 481 | 495 | 488 | 680 | 833 |
| Profit After Tax | 1045 | 1095 | 1145 | 1182 | 1196 | 1321 | 1392 | 1444 | 1974 | 2412 |
| Adjustments | -23 | -36 | -42 | -43 | -32 | -50 | -2 | 34 | 42 | 9 |
| Profit After Adjustments | 1022 | 1060 | 1104 | 1139 | 1164 | 1272 | 1389 | 1478 | 2016 | 2421 |
| Adjusted Earnings Per Share | 25.5 | 26.4 | 27.5 | 28.4 | 29 | 31.7 | 34.6 | 36.8 | 50.2 | 60.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 4325 | 4920 | 5911 | 6713 | 7594 | 9687 | 11535 | 12186 | 11898 | 15062 | 20214 | 24545 |
| Other Income | 12 | 21 | 28 | 69 | 7 | 26 | 36 | 53 | 77 | 101 | 110 | 148 |
| Total Income | 4337 | 4941 | 5938 | 6782 | 7601 | 9714 | 11570 | 12238 | 11975 | 15163 | 20324 | 24693 |
| Total Expenditure | 1110 | 1268 | 1554 | 1656 | 1747 | 2214 | 2263 | 2490 | 2749 | 3623 | 5481 | 5901 |
| Operating Profit | 3227 | 3673 | 4384 | 5126 | 5854 | 7499 | 9308 | 9748 | 9226 | 11540 | 14843 | 18791 |
| Interest Expense | 2114 | 2288 | 2374 | 2132 | 2543 | 3180 | 4109 | 4268 | 4225 | 5452 | 7461 | 8937 |
| Depreciation | 84 | 59 | 52 | 52 | 52 | 59 | 67 | 70 | 78 | 92 | 116 | 139 |
| Profit Before Tax | 1029 | 1327 | 1959 | 2942 | 3260 | 4260 | 5131 | 5410 | 4923 | 5997 | 7266 | 9716 |
| Provision for Tax | 357 | 509 | 751 | 1098 | 1157 | 1092 | 1313 | 1379 | 1253 | 1529 | 1914 | 2496 |
| Profit After Tax | 672 | 818 | 1207 | 1844 | 2103 | 3169 | 3819 | 4031 | 3670 | 4468 | 5352 | 7222 |
| Adjustments | -1 | -3 | -7 | -14 | -25 | -30 | -14 | -15 | -57 | -143 | -19 | 83 |
| Profit After Adjustments | 671 | 815 | 1200 | 1830 | 2078 | 3138 | 3804 | 4017 | 3612 | 4324 | 5333 | 7304 |
| Adjusted Earnings Per Share | 16.9 | 20.4 | 30 | 45.7 | 51.9 | 78.3 | 94.8 | 100.1 | 90 | 107.7 | 132.8 | 181.9 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 34% | 18% | 16% | 17% |
| Operating Profit CAGR | 29% | 15% | 15% | 16% |
| PAT CAGR | 20% | 10% | 11% | 23% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 73% | 53% | 27% | 36% |
| ROE Average | 20% | 19% | 22% | 21% |
| ROCE Average | 13% | 13% | 14% | 15% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 5084 | 5622 | 6538 | 7857 | 9931 | 11829 | 15575 | 18786 | 21666 | 25107 | 29367 |
| Minority's Interest | 29 | 38 | 72 | 73 | 142 | 172 | 185 | 352 | 487 | 647 | 627 |
| Borrowings | 6766 | 5427 | 4845 | 9664 | 12797 | 16947 | 25863 | 32478 | 36374 | 30868 | 53986 |
| Current Liability | 14261 | 15180 | 20047 | 15778 | 18830 | 25870 | 26960 | 24633 | 21547 | 39498 | 48475 |
| Other Liabilities & Provisions | 1170 | 1071 | 618 | 281 | -2 | 46 | -0 | -41 | 11 | 252 | 204 |
| Total Liabilities | 27310 | 27338 | 32121 | 33653 | 41698 | 54865 | 68582 | 76208 | 80085 | 96372 | 132658 |
| Loans | 92 | 136 | 705 | 32252 | 38726 | 47068 | 58809 | 64528 | 70554 | 88187 | 120578 |
| Investments | 5 | 15 | 16 | 56 | 184 | 575 | 240 | 476 | 403 | 561 | 456 |
| Fixed Assets | 269 | 235 | 257 | 237 | 244 | 298 | 313 | 332 | 377 | 472 | 669 |
| Other Loans | 99 | 103 | 102 | 106 | 123 | 133 | 161 | 148 | 188 | 0 | 7 |
| Other Non Current Assets | 7 | 11 | 44 | 12 | 38 | 54 | 63 | 76 | 94 | 374 | 344 |
| Current Assets | 26839 | 26839 | 30996 | 974 | 2368 | 6722 | 8982 | 10638 | 8459 | 6769 | 10591 |
| Total Assets | 27310 | 27338 | 32121 | 33653 | 41698 | 54865 | 68582 | 76208 | 80085 | 96372 | 132658 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1957 | 1748 | 711 | 1375 | 641 | 2028 | 5866 | 7801 | 10060 | 7831 | 6082 |
| Cash Flow from Operating Activities | -479 | 108 | -2186 | -1432 | -4824 | -4970 | -7814 | -1596 | -2804 | -13605 | -26525 |
| Cash Flow from Investing Activities | -13 | -46 | -183 | -125 | -165 | -384 | 40 | 422 | 181 | 45 | -1376 |
| Cash Flow from Financing Activities | 249 | -1102 | 3027 | 824 | 6351 | 9193 | 9712 | 3445 | 395 | 11809 | 30041 |
| Net Cash Inflow / Outflow | -243 | -1039 | 657 | -734 | 1362 | 3839 | 1938 | 2271 | -2228 | -1751 | 2140 |
| Closing Cash & Cash Equivalent | 1748 | 711 | 1375 | 641 | 2006 | 5866 | 7801 | 10060 | 7831 | 6082 | 8224 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 16.86 | 20.41 | 30.03 | 45.74 | 51.86 | 78.25 | 94.83 | 100.08 | 89.98 | 107.71 | 132.84 |
| CEPS(Rs) | 18.99 | 21.97 | 31.52 | 47.39 | 53.78 | 80.49 | 96.87 | 102.19 | 93.36 | 113.58 | 136.21 |
| DPS(Rs) | 6 | 6 | 6 | 10 | 12 | 15 | 20 | 20 | 22 | 24 | 26 |
| Book NAV/Share(Rs) | 127.23 | 140.35 | 163.11 | 195.93 | 247.46 | 294.64 | 387.95 | 467.92 | 539.64 | 625.35 | 731.46 |
| Net Profit Margin | 15.53 | 16.62 | 20.42 | 27.47 | 27.69 | 32.71 | 33.11 | 33.08 | 30.84 | 29.66 | 26.48 |
| Operating Margin | 72.67 | 73.46 | 73.3 | 75.58 | 76.4 | 76.8 | 80.11 | 79.42 | 76.89 | 76.01 | 72.86 |
| PBT Margin | 23.79 | 26.96 | 33.14 | 43.83 | 42.92 | 43.98 | 44.49 | 44.4 | 41.38 | 39.81 | 35.95 |
| ROA(%) | 2.46 | 2.99 | 4.06 | 5.61 | 5.58 | 6.56 | 6.19 | 5.57 | 4.7 | 5.06 | 4.67 |
| ROE(%) | 13.26 | 15.34 | 19.93 | 25.69 | 23.69 | 29.16 | 27.89 | 23.48 | 18.15 | 19.1 | 19.65 |
| ROCE(%) | 12.72 | 14.7 | 16.29 | 16.78 | 16.16 | 16.03 | 15.56 | 13.89 | 12.13 | 13.42 | 13.27 |
| Price/Earnings(x) | 12.39 | 8.72 | 12.3 | 8.91 | 11.87 | 7.82 | 12.72 | 13.28 | 10.88 | 13.72 | 17.93 |
| Price/Book(x) | 1.64 | 1.27 | 2.26 | 2.08 | 2.49 | 2.08 | 3.11 | 2.84 | 1.81 | 2.36 | 3.26 |
| Dividend Yield(%) | 2.87 | 3.37 | 1.62 | 2.45 | 1.95 | 2.45 | 1.66 | 1.5 | 2.25 | 1.62 | 1.09 |
| EV/Net Sales(x) | 6.05 | 5.13 | 5.97 | 5.88 | 6.93 | 6.12 | 7.87 | 8.01 | 7.32 | 8.05 | 9.23 |
| EV/Core EBITDA(x) | 8.11 | 6.87 | 8.05 | 7.7 | 8.98 | 7.91 | 9.75 | 10.01 | 9.44 | 10.51 | 12.58 |
| Interest Earned Growth(%) | 0 | 13.77 | 20.14 | 13.57 | 13.14 | 27.56 | 19.07 | 5.64 | -2.36 | 26.59 | 34.21 |
| Net Profit Growth | 0 | 21.78 | 47.62 | 52.72 | 14.06 | 50.68 | 20.52 | 5.56 | -8.97 | 21.74 | 19.8 |
| EPS Growth(%) | 0 | 21.06 | 47.13 | 52.3 | 13.39 | 50.88 | 21.18 | 5.54 | -10.09 | 19.71 | 23.32 |
| Interest Coverage(x) % | 1.49 | 1.58 | 1.83 | 2.38 | 2.28 | 2.34 | 2.25 | 2.27 | 2.17 | 2.1 | 1.97 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 73.35 | 73.35 | 73.35 | 73.35 | 73.35 | 73.35 | 73.35 | 73.35 | 73.35 | 73.35 |
| FII | 8.12 | 8.33 | 8.33 | 8.69 | 9.84 | 10.26 | 11.03 | 10.84 | 11.58 | 11.75 |
| DII | 14.65 | 14.6 | 14.71 | 14.55 | 13.3 | 12.98 | 11.73 | 12.2 | 11.36 | 11.12 |
| Public | 3.89 | 3.72 | 3.6 | 3.42 | 3.52 | 3.41 | 3.89 | 3.61 | 3.72 | 3.78 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 | 29.45 |
| FII | 3.26 | 3.34 | 3.35 | 3.49 | 3.95 | 4.12 | 4.43 | 4.35 | 4.65 | 4.72 |
| DII | 5.88 | 5.86 | 5.91 | 5.84 | 5.34 | 5.21 | 4.71 | 4.9 | 4.56 | 4.46 |
| Public | 1.56 | 1.49 | 1.45 | 1.37 | 1.41 | 1.37 | 1.56 | 1.45 | 1.49 | 1.52 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 | 40.15 |
* The pros and cons are machine generated.
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