Muthoot Finance Ltd
Fundamental Score
Muthoot Finance Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of MUTHOOTFIN across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Return on Equity (19.58%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (76.59%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (90.36%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (47.76%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (15.86% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Balanced Promoter Holding (73.35%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Elevated Debt Levels (D/E: 3.76)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (2.09x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-53105.43 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Muthoot Finance Ltd
About MUTHOOTFIN
Business Overview
Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; money transfer; non-convertible debentures; national pension scheme; digital and cashless payments; bank mapping; and other custom offerings and milligram rewards. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.
Company Details
Key Leadership
Corporate Events
MUTHOOTFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Muthoot Finance Ltd (MUTHOOTFIN)?
As of 08 Feb 2026, 11:53 am IST, Muthoot Finance Ltd (MUTHOOTFIN) is currently trading at ₹3704.20. The stock has a market capitalization of ₹1.53L (Cr).
Is MUTHOOTFIN share price Overvalued or Undervalued?
MUTHOOTFIN is currently trading at a P/E ratio of 20.96x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Muthoot Finance Ltd share price?
Key factors influencing MUTHOOTFIN's price include its quarterly earnings growth (Sales Growth: 47.76%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Muthoot Finance Ltd a good stock for long-term investment?
Muthoot Finance Ltd shows a 5-year Profit Growth of 11.18% and an ROE of 19.58%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 3.76 before investing.
How does Muthoot Finance Ltd compare with its industry peers?
Muthoot Finance Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare MUTHOOTFIN's P/E of 20.96x and ROE of 19.58% against the industry averages to determine its competitive standing.
What is the P/E ratio of MUTHOOTFIN and what does it mean?
MUTHOOTFIN has a P/E ratio of 20.96x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹21 for every ₹1 of annual earnings.
How is MUTHOOTFIN performing according to Bull Run's analysis?
MUTHOOTFIN has a Bull Run fundamental score of 58.9/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does MUTHOOTFIN belong to?
MUTHOOTFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Muthoot Finance Ltd.
What is Return on Equity (ROE) and why is it important for MUTHOOTFIN?
MUTHOOTFIN has an ROE of 19.58%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Muthoot Finance Ltd generates profits from shareholders' equity.
How is MUTHOOTFIN's debt-to-equity ratio and what does it indicate?
MUTHOOTFIN has a debt-to-equity ratio of 3.76, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is MUTHOOTFIN's dividend yield and is it a good dividend stock?
MUTHOOTFIN offers a dividend yield of 0.68%, which means you receive ₹0.68 annual dividend for every ₹100 invested.
How has MUTHOOTFIN grown over the past 5 years?
MUTHOOTFIN has achieved 5-year growth rates of: Sales Growth 15.86%, Profit Growth 11.18%, and EPS Growth 11.16%.
What is the promoter holding in MUTHOOTFIN and why does it matter?
Promoters hold 73.35% of MUTHOOTFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is MUTHOOTFIN's market capitalization category?
MUTHOOTFIN has a market capitalization of ₹153051 crores, placing it in the Large-cap category.
How volatile is MUTHOOTFIN stock?
MUTHOOTFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for MUTHOOTFIN?
MUTHOOTFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is MUTHOOTFIN's operating profit margin trend?
MUTHOOTFIN has a 5-year average Operating Profit Margin (OPM) of 76.59%, indicating the company's operational efficiency.
How is MUTHOOTFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 47.76% and YoY Profit Growth of 90.36%.
What is the institutional holding pattern in MUTHOOTFIN?
MUTHOOTFIN has FII holding of 11.58% and DII holding of 11.37%. Significant institutional holding often suggests professional confidence in the stock.