Muthoot Finance Ltd.

MUTHOOTFIN

₹2294.6

0.98% (22.3)

Market Cap

₹91,309 Cr.

P/E

17.12

About

Muthoot Finance Limited is an NBFC specializing in providing loans against gold jewelry. The company offers services such as gold loans, foreign exchange, insurance broking, and more. It is part of 'T… Read more

Muthoot Finance Limited is an NBFC specializing in providing loans against gold jewelry. The c… Read more

Low

1646

52W Range

High

2435

Timeline

Key company specific updates

Company Timeline

Custom financial statementNew

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In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025

In Rs. Cr.	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Balance sheet
Net Block	235	257	237	244	298	313	332	377	472	656
Shareholders Funds	5,622	6,538	7,857	9,931	11,829	15,575	18,786	21,666	25,107	29,367
Profit & Loss
Operating Profit	3,652	4,357	5,057	5,847	7,473	9,272	9,695	9,148	11,439	14,684
Net Sales	4,920	5,911	6,713	7,594	9,687	11,535	12,186	11,898	15,062	20,214
Cash flow
Cash from Operating Activity	108	-2,186	-1,432	-4,824	-4,970	-7,814	-1,596	-2,804	-13,754	-26,376
Net Capex (est)	25.92	54.27	34.97	76.59	91.54	89.77	94.65	139	221	216
Ratios
ROCE (%)	29.73	35.89	28.39	25.37	25.66	22.20	18.76	15.63	15.59	—
ROE (%)	14.49	18.35	23.29	20.92	26.53	24.43	21.38	16.67	17.22	—

Forensics

11 Yes

Positive for this company

1 Neutral

Neutral for this company

4 No

Negative for this company

0 No Data

Insufficient data to analyse

Accounting & Shareholding

Contingent Liabilities

Company does not have significant contingent liabilities
Other Income

Other income is not affecting ratios of the company
Pledge

Promoters have not pledged a significant portion of their holding
Retail Holding

Retail has been selling the stock which is usually a good time to buy
Promoter Holding

Promoter has not sold any shares in the last 90 days

Price & Performance

Cost to Income Ratio

Operational cost of company is trending down
ROE

Asset turnover is responsible for roe increase over last 10 years
Share price

Share price has increased over last 10 years due to earnings
Net Interest Margin

Net interest margin of the company is trending up
Sales Growth

Sales of the company has grown at a good pace
ROE Stregth

Roe of the company is consistently strong
Balance Sheet - Strength

Latest bs is strong. the strength was visible historically as well.
Cost Of Borrowing

Cost of borrowing of the company seems to be trending up
Current vs Historic Valuation

Company is trading at a premium to 3yr historic valuations
Net NPA

Npa's of the company is currently high
Margin Stability

Margins of the company are volatile

Revenue mix

Product Wise Break-Up

Loan Break-Up

Location Wise Break-Up

Borrowings Break-Up

Borrowings - Geography Wise

Operational Metrics

Net Interest Margin (%)

Muthoot Finance Ltd.

Net Interest Margin (%)
Source
Gross NPA (%)
Source
Net NPA (%)
Source
Cost To Income Ratio (%)
Source
Cost of Borrowing (%)
Source
AUM - NBFC (Crs)
Source
Capital to Risks Assets Ratio (CRAR) (%)
Source
Tier I Capital (%)
Source
LTV -Gold Loan (%)
Source
Yield On Advances (%)
Source
Gold Kept As Security (Tonnes)
Source
Advertisement Spend as a % of Total Sales (%)
Source

Peer Comparison

Peer Name	Latest Price	PE	Market cap(Cr)	Prom Holding(%)	YoY Qtly Sales(%)	ROCE (%)	ROE (%)
Muthoot Finance	2,272.3	17.12	91,309	73.35	35.01	15.59	17.22
SBI Cards AndPayment	942.05	46.76	89,616	68.6	7.5	33.02	19.93
REC	400.9	6.65	1,05,579	52.63	20.95	10.06	20.4
Shriram Finance	641.2	12.62	1,20,598	25.4	20.78	10.31	15.05
Sundaram Finance	5,065	30.05	56,482	37.22	4.79	9.31	12.96
Chola Invest & Fin.	1,512.7	29.85	1,27,229	49.92	30.23	9.45	17.46
Power Finance Corp	404.8	5.81	1,33,588	55.99	21.22	9.26	19.54
L&T Finance	175.21	16.53	43,704	66.24	9.61	14.93	10.34

Corporate Actions

Consolidated Dividend

DATE

DETAILS

2025, Apr 25

Dividend Dividend of Rs.26 per share

2024, May 31

Dividend Dividend of Rs.24 per share

2023, Apr 18

Dividend Dividend of Rs.22 per share

2022, Apr 25

Dividend Dividend of Rs.20 per share

2021, Apr 22

Dividend Dividend of Rs.20 per share

Suppliers

Vertoz Ltd.

FAQs on Muthoot Finance Ltd. Business

What does Muthoot Finance do?

Muthoot Finance Limited is a non-banking financial company providing gold loan services and other financial products. It is part of 'The Muthoot Group' with diverse interests in various sectors including healthcare, education, real estate, and more.

Who are the competitors of Muthoot Finance?

Muthoot Finance major competitors are SBI Cards AndPayment, REC, Shriram Finance, Sundaram Finance, Chola Invest & Fin., Power Finance Corp, L&T Finance.
Market Cap of Muthoot Finance is ₹91,309 Crs.
While the median market cap of its peers are ₹1,05,579 Crs.

Is Muthoot Finance financially stable compared to its competitors?

Muthoot Finance seems to be financially stable compared to its competitors.
The probability of it going bankrupt or facing a financial crunch seem to be lower than its immediate competitors.

View FAQ's On Shareprice

Global Leaders

Companies with a dominant global position in a product. Might be a sign of very strong moat.

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Company Filing

	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Annual Report	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10
Earnings Release	May	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Dec	Mar Jun
Investor Presentation	May	Feb Mar Jun Sep Dec	Mar Jun Sep Dec	Feb Mar May Jun Aug Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec
Conference Call	Mar	Mar Jun Sep Dec	Mar Jun Sep Dec	Mar Jun Sep Dec
Conference Call SummaryCon Call Summary Powered by Gemini

Discussions & Analysis

Muthoot Finance Ltd.

Why Muthoot Finance Is A Top Tier NBFC - Omkara Capital

Muthoot vs Mannapuram - SOIC

View the discussion on ValuePickr

CARE Ratings Webinar on Gold Loan NBFCs Competitiveness of Gold Loan NBFCs - CARE Ratings

Muthoot vs Manappuram vs IIFL - Whcih is the better Gold Loan Company - SOIC

NBFC

Buy Now Pay Later - Capital Mind

Deep Dive into NBFC Business - Omkara Capital

Asset Liability Mismatch: Why do NBFCs & Banks knowingly create it? - Dr Vijay Malik

NBFC & Banks| How to find Multibaggers in this sector! - SOIC

Masterclass on NBFC sector by Mr Umesh Agarwal - Finnacle

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Raw Material

Muthoot Finance Ltd.

Muthoot Finance Ltd.

About

Timeline

Company Timeline

11 Yes

1 Neutral

4 No

0 No Data

Accounting & Shareholding

Contingent Liabilities

Other Income

Pledge

Retail Holding

Promoter Holding

Price & Performance

Cost to Income Ratio

ROE

Share price

Net Interest Margin

Sales Growth

ROE Stregth

Balance Sheet - Strength

Cost Of Borrowing

Current vs Historic Valuation

Net NPA

Margin Stability

Product Wise Break-Up

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Loan Break-Up

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Location Wise Break-Up

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Borrowings Break-Up

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Borrowings - Geography Wise

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Net Interest Margin (%)

Net Interest Margin (%)

What does Muthoot Finance do?

Who are the competitors of Muthoot Finance?

Is Muthoot Finance financially stable compared to its competitors?

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