MUTHOOTCAP
Muthoot Capital Services Limited (MUTHOOTCAP) Stock Analysis
Muthoot Capital Services Limited is an Indian NBFC providing vehicle finance, especially two-wheeler and commercial vehicle loans, under the Muthoot brand. It operates through branches and dealer tie-ups with secured lending models. Asset quality and interest rates influence earnings. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹209.50
-3.94% 1W | -22.00% 52W
Market Cap
345 CR
P/E Ratio
14.4
52W High
₹303
52W Low
₹175.2
Div. Yield
0%
Beta
0.1
50 DMA
₹238.3
200 DMA
₹223.1
Profit Margin
9.3%
Inst. Own.
2.2%
⚠️ BREAKDOWN
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 106.53 | 98.14 | 95.95 | 97.98 | 100.00 | 108.65 | 125.68 | 137.31 | 145.20 | 153.55 | 155.08 | 166.36 | 155.53 |
| Interest | 44.18 | 41.18 | 39.78 | 42.43 | 43.70 | 50.72 | 61.51 | 67.63 | 75.09 | 81.39 | 81.16 | 77.58 | 77.87 |
| Expenses | 38.01 | 42.59 | 43.35 | 40.73 | 41.15 | 36.51 | 46.26 | 63.83 | 77.27 | 69.11 | 68.14 | 77.81 | 70.83 |
| Financing Profit | 24.34 | 14.37 | 12.82 | 14.82 | 15.15 | 21.42 | 17.91 | 5.85 | -7.16 | 3.05 | 5.78 | 10.97 | 6.83 |
| Financing Margin % | 22.85% | 14.64% | 13.36% | 15.13% | 15.15% | 19.71% | 14.25% | 4.26% | -4.93% | 1.99% | 3.73% | 6.59% | 4.39% |
| Other Income | 0.08 | 97.79 | 0.79 | 0.20 | 0.18 | 1.14 | 0.46 | 3.06 | 2.18 | 1.87 | 5.86 | 0.38 | 5.11 |
| Depreciation | 0.15 | 0.17 | 0.21 | 0.33 | 0.82 | 0.94 | 1.08 | 1.93 | 1.19 | 1.21 | 1.33 | 3.60 | 1.09 |
| Profit before tax | 24.27 | 111.99 | 13.40 | 14.69 | 14.51 | 21.62 | 17.29 | 6.98 | -6.17 | 3.71 | 10.31 | 7.75 | 10.85 |
| Tax % | 26.86% | 25.69% | 25.30% | 20.42% | 25.57% | 26.09% | 27.41% | 7.88% | -24.31% | 23.99% | 25.90% | 30.84% | 25.16% |
| Net Profit | 17.75 | 83.21 | 10.01 | 11.68 | 10.80 | 15.97 | 12.56 | 6.42 | -4.67 | 2.83 | 7.65 | 5.37 | 8.12 |
| EPS in Rs | 10.79 | 50.59 | 6.09 | 7.10 | 6.57 | 9.71 | 7.64 | 3.90 | -2.84 | 1.72 | 4.65 | 3.26 | 4.94 |
| Gross NPA % | 21.08% | 11.67% | 10.69% | 10.17% | 9.84% | 4.80% | 4.73% | 4.88% | 5.76% | 6.46% | 6.44% | 6.96% | 3.94% |
| Net NPA % | 2.57% | 3.88% | 3.55% | 3.40% | 3.41% | 1.62% | 2.22% | 2.30% | 2.70% | 3.07% | 3.64% | 4.12% | 2.36% |
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 191 | 228 | 284 | 398 | 518 | 586 | 504 | 411 | 443 | 399 | 474 | 624 | 631 |
| Interest | 77 | 98 | 125 | 167 | 238 | 303 | 248 | 209 | 227 | 218 | 258 | 367 | 318 |
| Expenses | 79 | 94 | 112 | 148 | 147 | 188 | 186 | 417 | 107 | 157 | 153 | 241 | 286 |
| Financing Profit | 35 | 36 | 47 | 83 | 134 | 95 | 70 | -215 | 109 | 24 | 62 | 17 | 27 |
| Financing Margin % | 18% | 16% | 17% | 21% | 26% | 16% | 14% | -52% | 25% | 6% | 13% | 3% | 4% |
| Other Income | 1 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 141 | 3 | 6 | 13 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | 1 | 5 | 7 | 7 |
| Profit before tax | 34 | 35 | 46 | 82 | 133 | 93 | 70 | -216 | 109 | 164 | 60 | 16 | 33 |
| Tax % | 35% | 36% | 35% | 35% | 35% | 35% | 26% | -25% | 28% | 25% | 24% | 28% | |
| Net Profit | 22 | 23 | 30 | 54 | 86 | 60 | 51 | -162 | 79 | 123 | 46 | 11 | 24 |
| EPS in Rs | 16.27 | 16.68 | 21.96 | 32.64 | 52.35 | 36.77 | 31.29 | -98.46 | 47.84 | 74.58 | 27.82 | 6.79 | 14.57 |
| Dividend Payout % | 28% | 30% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 12.0% | 4.0% | 11.0% |
| Profit CAGR | -46.0% | -25.0% | -6.0% |
Shareholding Pattern
Promoters62.62%
FIIs2.50%
DIIs1.45%
Public33.42%
Promoters63.33%
FIIs1.99%
DIIs1.43%
Public33.25%
Promoters63.33%
FIIs1.38%
DIIs1.43%
Public33.85%
Promoters63.33%
FIIs1.30%
DIIs1.01%
Public34.34%
Promoters63.33%
FIIs1.25%
DIIs1.01%
Public34.40%
Promoters62.62%
FIIs0.61%
DIIs0.88%
Public35.90%
Promoters62.62%
FIIs1.36%
DIIs0.68%
Public35.33%
Promoters62.62%
FIIs1.39%
DIIs1.36%
Public34.62%
Promoters63.33%
FIIs1.30%
DIIs1.01%
Public34.34%
Promoters63.33%
FIIs1.25%
DIIs1.01%
Public34.40%
MUTHOOTCAP
Holdings Analysis
Key strengths & risk signals
48
Overall
40
Fundamental
57
Technical
Risks (4)
Cannot calculate PEG - insufficient growth data.
POOR YEAR! Stock declined 22.0% in the last year.
WEAK POSITION! Current price (209.5) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.9% (1 week), 11.0% (1 month), 5.8% (3 months).
Strengths (4)
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
BULLISH TREND! 50-day average (238.3) is above 200-day average (223.1) - positive signal.
LOW VOLATILITY! Beta of 0.10 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 31.8 - watch for reversal.
Fundamental & Technical Analysis
48Overall
40Fundamental
57Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 11.5% (GOOD, 11/15). Profit CAGR: -47.8% (DECLINING, 2/15).
Profit Margin
3/10
LOW MARGIN! 9.3% profit margin - thin profits.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 4.27 - significant risk.
Public Holding
10/20
SIGNIFICANT PUBLIC HOLDING! 35.55% public ownership - moderate retail influence.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (238.3) is above 200-day average (223.1) - positive signal.
Price Position
2/10
WEAK POSITION! Current price (209.5) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
1/10
POOR YEAR! Stock declined 22.0% in the last year.
Volume Sentiment
20/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 19 down days. Avg volume on up days: 11,588 vs down days: 10,213. Ratio: 1.13x
RSI
4/5
APPROACHING OVERSOLD! RSI at 31.8 - watch for reversal.
52W Range
2/5
LOWER HALF! Trading at 26.8% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 3.9% (1 week), 11.0% (1 month), 5.8% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.10 - stable stock, less market risk.
MUTHOOTCAP
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-07-20 | Concall PDF | |
| Q2FY262026-01-24 | Concall PDF | |
| Q1FY262025-10-22 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MUTHOOTCAP | ₹209.50 | 14.4 | 9.3% | 11.5% | -47.8% | -22.0% | 48 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| AFIL | ₹7.60 | 7.4 | 48.8% | 29.4% | 42.8% | -14.4% | 66 | BOUNCE FROM SUPPORT | +20.8% | -5.7% | +34.3% | +1.5% |
| MONEYBOXX | ₹53.90 | 299.6 | 1.1% | 59.7% | – | -33.5% | 40 | APPROACHING RESISTANCE | 0.0% | -60.0% | -11.3% | -2.1% |
| VIJIFIN | ₹13.50 | 48.1 | 56.1% | 34.6% | 65.8% | +295.4% | 75 | BREAKDOWN | -466.7% | -47.6% | +50.0% | -60.9% |
| CPCAP | ₹146.40 | 5.9 | 57.1% | -4.2% | 52.7% | +27.8% | 79 | CONSOLIDATING UP | +23.1% | +46.2% | -4.1% | -5.6% |
| IITL | ₹125.70 | – | – | 28.5% | – | -34.2% | 46 | BREAKDOWN | +48.5% | -160.0% | +12.8% | -11.7% |
| STARTECK | ₹257.80 | 10.5 | 75.4% | 13.0% | 2.7% | -13.8% | 61 | BREAKDOWN | +22.9% | -17.3% | +39.7% | +31.3% |
| SAHLIBHFI | ₹77.10 | 12 | 54.2% | 14.0% | 32.5% | -9.5% | 69 | CONSOLIDATION | +6.5% | -3.9% | +15.8% | 0.0% |
Data from TradeAlone · Updated daily
No news tagged for MUTHOOTCAP yet.
