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Muthoot Finance Ltd

Muthoot Finance

Large Cap•28,286 Employees•IPO 2011
Current Price
₹3306.40
-33.5 (-1%)Updated
NSE :MUTHOOTFIN
BSE :533398
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
15.38vs 19.86
P/B Ratio
4.08vs 2.24
Div Yield
0.74%vs 0.55%
Today's Range
₹3240.20
₹3306.40
union icon
₹3378.90
52 Week Range
52W Low₹1965.00
52W High₹4149.50
₹3306.40
union icon
Downside68.26%
Upside25.50%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

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Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹1,40,389.51 Cr
Market Cap
Total market value of company
P/E Ratio
16.10
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
4.28
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹217.15
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
27.21%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
13.20%
ROCE
Return on Capital Employed. >15% is good
Net Margin
31.96%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
11.16%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
15.89%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
44.20%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
73.20%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.36
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹731.49
Book Value
Net asset value per share
Dividend Yield
0.74%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
73.40%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •Muthoot Finance demonstrates robust profitability with an impressive Operating Profit Margin (OPM) of 74.10%. This efficiency is complemented by a significant 73.20% increase in quarterly profit, showcasing strong operational performance and effective cost management.
  • •The company exhibits a healthy Return on Equity (ROE) of 19.60%, indicating efficient capital utilization. Its Price-to-Earnings (PE) ratio of 20.80 is competitive, suggesting a potentially attractive valuation relative to its earnings.

Weaknesses

5 points
  • •Muthoot Finance carries a high debt-to-equity ratio of 3.38, indicating significant reliance on borrowed funds. This elevated leverage increases financial risk and vulnerability to interest rate fluctuations or economic downturns.
  • •Public shareholding has steadily decreased from 5.20% in June 2022 to 3.70% in September 2025. This trend could potentially impact stock liquidity and make it challenging for retail investors to trade shares easily.

Opportunities

4 points
  • •As a prominent NBFC, Muthoot Finance is well-positioned to capitalize on the expanding financial services sector, driven by increasing credit demand and financial inclusion initiatives across the country.
  • •Foreign Institutional Investor (FII) holding has risen from 8.33% in March 2024 to 11.58% in September 2025. This growing interest indicates increasing foreign investor confidence in the company's prospects.

Threats

5 points
  • •The NBFC sector is highly competitive, with numerous players including banks and other financial institutions. This intense rivalry could pressure margins and market share for Muthoot Finance.
  • •Being in the financial services sector, Muthoot Finance is susceptible to adverse changes in regulatory policies, such as stricter lending norms or capital adequacy requirements, impacting operations and profitability.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

No insider trading data available

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹3654.20+₹347.80+10.52%
R3₹3515.50+₹209.10+6.32%
R2₹3447.20+₹140.80+4.26%
R1₹3376.80+₹70.40+2.13%
PIVOT₹3308.502.100.06%
CURRENT₹3306.40--
S1₹2960.70-₹345.70-10.46%
S2₹3099.40-₹207.00-6.26%
S3₹3169.80-₹136.60-4.13%
S4₹3238.10-₹68.30-2.07%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
9.57L
(05 Mar 2026)
-15.2% vs avg
Delivery %
45.3%
(05 Mar 2026)
+6.3% vs avg
Avg Volume (20D)
1.13M
(05 Feb - 05 Mar)
20-day average
Avg Delivery %
39.0%
(05 Feb - 05 Mar)
Trend ↑
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Poonawalla Fincorp Ltd
116.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %

Peer Comparison

Company Name
BAJFINANCE
Bajaj Finance Ltd
CHOLAFIN
Cholamandalam Investment & Finance Company Ltd
CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
HDBFS
HDB Financial Services Ltd
LTF
L&T Finance Ltd
MANAPPURAM
Manappuram Finance Ltd
M&MFIN
Mahindra & Mahindra Financial Services Ltd
POONAWALLA
Poonawalla Fincorp Ltd
SBICARD
SBI Cards & Payment Services Ltd
SHRIRAMFIN
Shriram Finance Ltd
SUNDARMFIN
Sundaram Finance Ltd
TATACAP

About

MUTHOOTFIN

Muthoot Finance Ltd

Muthoot Finance Limited is a prominent non-banking financial company (NBFC) in India, specializing in gold loans. Its core business revolves around providing secured loans to individuals and microfinance entities, using gold jewelry as collateral. This forms the largest part of their revenue and operations, establishing them as a major player in the Indian gold loan market. Their extensive network allows them to reach a wide customer base across the country, catering to diverse financial needs related to short-term financing secured by gold assets.

Beyond gold loans, Muthoot Finance offers a diverse range of financial products and services. These include personal and business loans that are not necessarily secured by gold, expanding their reach into other segments of the lending market. They also facilitate housing finance, providing options for individuals looking to purchase or renovate properties. The company further diversifies its income streams by offering supplementary services such as money transfers, foreign exchange services, and insurance products covering health, home, vehicle, life, and travel.

To further broaden their financial portfolio, Muthoot Finance engages in the sale of investment products including mutual funds and non-convertible debentures. This allows customers to invest and manage their funds through the company's platform. They also extend their services to the corporate and SME sectors, providing tailored loan solutions to meet the financial requirements of businesses of different sizes. This diversified approach minimizes reliance on a single income stream and strengthens their overall financial stability.

In addition to their core financial services, Muthoot Finance demonstrates a commitment to renewable energy. The company generates electricity through three windmills situated in Tamil Nadu, contributing to the country's renewable energy capacity and showcasing their dedication to environmental sustainability. This aspect of their operations enhances their corporate social responsibility profile and contributes to a more holistic business model.

With a long history dating back to 1887 and headquartered in Kochi, India, Muthoot Finance has established a strong brand presence and trust within the Indian financial landscape. Their ability to adapt and diversify while maintaining a strong foundation in gold loans reflects a robust and resilient business strategy positioned for continued growth and market leadership in the Indian NBFC sector.

COMPANY FACTS - MUTHOOTFIN

Registered Address

2Nd Floor Muthoot Chambers Opp Saritha Theatre Complex

Ernakulam

KERALA

IN

Tel: 914842394712

Website:https://www.muthootfinance.com/

Investor Relations:http://www.muthootfinance.com/annual-reports
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 28,286

IPO Date: 06/05/2011

MANAGEMENT - MUTHOOTFIN

Mr. George Muthoot

Chairman of the Board and Whole Time Director

Mr. Oommen Mammen

Chief Financial Officer

Mr. Kuttikattu Bijimon

Chief Operating Officer, Executive Director

Mr. Thomas Kokkoth

Chief Risk Officer

Mr. George Muthoot

Managing Director, Whole Time Director

Mr. George Alexander

Whole Time Director

Mr. Alexander George

Whole Time Director

Mr. George George

Whole Time Director

Mr. George Jacob

Whole Time Director

Mr. George Muthoot

Whole Time Director

Mr. Eapen Alexander

Executive Director - IT & Digital Initiatives

Mr. Rajesh A.

Company Secretary

Investor Questions Answered

Muthoot Finance Ltd (MUTHOOTFIN) Stock FAQs

Get answers to the most common questions about Muthoot Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Muthoot Finance Ltd (MUTHOOTFIN) is ₹3,306.4. Today, the stock has declined by ₹33.50 (1.00%), trading in a range of ₹3,240.2 to ₹3,378.9. The stock opened at ₹3,369 with a trading volume of 9,57,052 shares.
Muthoot Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹1,40,389.51 crores, P/E ratio of 16.10, ROE of 27.21%, and ROCE of 13.20%. The dividend yield stands at 0.74%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Muthoot Finance Ltd (MUTHOOTFIN) is ₹4,149.5, while the 52-week low is ₹1,965. Currently trading at ₹3,306.4, the stock is 61.4% away from its 52-week low and 20.3% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Muthoot Finance Ltd stock at ₹3,306.4 depends on multiple factors. The stock is currently trading with a P/E ratio of 16.10 and P/B ratio of N/A. Today's performance shows a loss of 1.00%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Muthoot Finance Ltd offers a dividend yield of 0.74%, which means for every ₹100 invested at the current price of ₹3,306.4, you can expect to receive approximately ₹0.74 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Muthoot Finance Ltd's key financial metrics include: P/E Ratio: 16.10, P/B Ratio: N/A, ROE: 27.21%, ROCE: 13.20%, Dividend Yield: 0.74%, EPS: ₹217.15, Book Value: ₹731.49, Debt-to-Equity: 3.36, and Current Ratio: N/A. The company's market cap stands at ₹1,40,389.51 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Muthoot Finance Ltd stock opened at ₹3,369 and is currently trading at ₹3,306.4, showing a decline of ₹33.50 (1.00%). The intraday high is ₹3,378.9 and low is ₹3,240.2. The trading volume stands at 9,57,052 shares, indicating moderate market participation today.
Muthoot Finance Ltd has a Price-to-Earnings (P/E) ratio of 16.10, which means investors are willing to pay ₹16.10 for every ₹1 of earnings. With an EPS of ₹217.15, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
Muthoot Finance Ltd has a market capitalization of ₹1,40,389.51 crores, making it a large-cap company. Market cap is calculated by multiplying the current stock price (₹3,306.4) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Muthoot Finance Ltd has a book value of ₹731.49 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹3,306.4, which is 352.0% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Muthoot Finance Ltd has a Return on Equity (ROE) of 27.21% and Return on Capital Employed (ROCE) of 13.20%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These are moderate returns, suggesting decent operational efficiency. Higher percentages generally indicate better financial performance.
Muthoot Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Muthoot Finance Ltd has a debt-to-equity ratio of 3.36, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Muthoot Finance Ltd has an Earnings Per Share (EPS) of ₹217.15, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹3,306.4 and P/E ratio of 16.10, investors are paying 16.10 times the annual earnings per share. This strong EPS indicates robust profitability. Track EPS growth over quarters to assess earnings momentum.
Muthoot Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Muthoot Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Muthoot Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (16.10), ROE (27.21%), debt-to-equity (3.36), and growth rates. 2) Technical Analysis - Check 52-week range (₹1965.00 - ₹4149.50), moving averages, and chart patterns. 3) Valuation - Compare current price (₹3306.40) with book value (₹731.49) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Muthoot Finance Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹3,306.4 is 32964x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Muthoot Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹1965.00 - ₹4149.50). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.36 indicates leverage. 4) Liquidity Risk - Based on trading volume of 9,57,052 shares. 5) Valuation Risk - P/E of 16.10 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Muthoot Finance Ltd operates in the industry with key metrics: P/E ratio of 16.10, ROE of 27.21%, market cap of ₹1,40,389.51 crores, and dividend yield of 0.74%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.36), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Muthoot Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹3,306.4, with a 52-week range of ₹1965.00 to ₹4149.50. Based on fundamentals like P/E (16.10), ROE (27.21%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Muthoot Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹3306.40. 2) Fundamental Deterioration - Declining ROE (currently 27.21%), increasing debt (D/E: 3.36), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Muthoot Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.74%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.