MUTHOOTFIN
Muthoot Finance Limited (MUTHOOTFIN) Stock Analysis
Muthoot Finance Limited is India's largest gold loan NBFC with thousands of branches offering quick loans against gold jewellery. It serves mass-market borrowers with high renewal rates and auction processes for defaults. Scale and gold prices are central to growth and collateral coverage. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹2,598.30
-1.01% 1W | -22.60% 52W
Market Cap
104.3k CR
P/E Ratio
9.2
52W High
₹4149.5
52W Low
₹2559.6
Div. Yield
1.15%
Beta
0.5
50 DMA
₹2846.5
200 DMA
₹3234.3
Profit Margin
55.5%
Inst. Own.
17%
📉 CONSOLIDATING DOWN
📉 CONSOLIDATING DOWN
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 | 3,472 | 3,606 | 3,820 | 4,164 | 4,474 | 4,929 | 5,190 | 5,622 | 6,450 | 7,283 | 8,188 | 9,289 | 8,672 |
| Interest | 1,236 | 1,335 | 1,412 | 1,447 | 1,595 | 1,807 | 1,900 | 2,111 | 2,355 | 2,571 | 2,919 | 3,155 | 3,458 |
| Expenses | 847 | 805 | 872 | 1,121 | 1,226 | 1,324 | 1,405 | 1,549 | 1,422 | 1,480 | 1,426 | 1,528 | 1,408 |
| Financing Profit | 1,389 | 1,467 | 1,536 | 1,596 | 1,653 | 1,798 | 1,885 | 1,961 | 2,673 | 3,232 | 3,843 | 4,606 | 3,805 |
| Financing Margin % | 40% | 41% | 40% | 38% | 37% | 36% | 36% | 35% | 41% | 44% | 47% | 50% | 44% |
| Other Income | 37 | 26 | 23 | 16 | 19 | 29 | 32 | 6 | 16 | 50 | 20 | 3 | 23 |
| Depreciation | 19 | 22 | 24 | 27 | 26 | 25 | 31 | 35 | 35 | 38 | 40 | 24 | 31 |
| Profit before tax | 1,407 | 1,470 | 1,534 | 1,585 | 1,646 | 1,802 | 1,886 | 1,932 | 2,654 | 3,244 | 3,822 | 4,584 | 3,797 |
| Tax % | 26% | 26% | 25% | 25% | 27% | 27% | 26% | 25% | 26% | 26% | 26% | 26% | 26% |
| Net Profit | 1,045 | 1,095 | 1,145 | 1,182 | 1,196 | 1,321 | 1,392 | 1,444 | 1,974 | 2,412 | 2,823 | 3,397 | 2,825 |
| EPS in Rs | 25.46 | 26.39 | 27.49 | 28.37 | 28.99 | 31.67 | 34.60 | 36.81 | 50.22 | 60.29 | 69.84 | 83.43 | 69.72 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| 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 | 4,336 | 4,936 | 5,935 | 6,714 | 7,594 | 9,684 | 11,535 | 12,186 | 11,898 | 15,062 | 20,214 | 31,209 | 33,431 |
| Interest | 2,114 | 2,288 | 2,374 | 2,132 | 2,543 | 3,180 | 4,109 | 4,268 | 4,225 | 5,452 | 7,461 | 11,054 | 12,103 |
| Expenses | 1,110 | 1,268 | 1,554 | 1,656 | 1,747 | 2,207 | 2,259 | 2,490 | 2,747 | 3,622 | 5,422 | 5,767 | 5,841 |
| Financing Profit | 1,112 | 1,381 | 2,007 | 2,927 | 3,305 | 4,298 | 5,167 | 5,428 | 4,926 | 5,988 | 7,331 | 14,388 | 15,486 |
| Financing Margin % | 26% | 28% | 34% | 44% | 44% | 44% | 45% | 45% | 41% | 40% | 36% | 46% | 46% |
| Other Income | 1 | 5 | 3 | 67 | 6 | 22 | 32 | 52 | 75 | 101 | 51 | 54 | 95 |
| Depreciation | 84 | 59 | 52 | 52 | 52 | 59 | 67 | 70 | 78 | 92 | 116 | 137 | 134 |
| Profit before tax | 1,029 | 1,327 | 1,959 | 2,942 | 3,260 | 4,260 | 5,131 | 5,410 | 4,923 | 5,996 | 7,266 | 14,305 | 15,448 |
| Tax % | 35% | 38% | 38% | 37% | 35% | 26% | 26% | 25% | 25% | 26% | 26% | 26% | |
| Net Profit | 672 | 818 | 1,200 | 1,844 | 2,103 | 3,169 | 3,819 | 4,031 | 3,670 | 4,468 | 5,352 | 10,607 | 11,457 |
| EPS in Rs | 16.86 | 20.41 | 30.03 | 45.74 | 51.86 | 78.25 | 94.83 | 100.08 | 89.98 | 107.71 | 132.84 | 263.79 | 283.28 |
| Dividend Payout % | 36% | 29% | 20% | 22% | 23% | 19% | 21% | 20% | 24% | 22% | 20% | 11% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 38.0% | 22.0% | 20.0% |
| Profit CAGR | 43.0% | 23.0% | 29.0% |
Shareholding Pattern
Promoters73.35%
FIIs10.84%
DIIs12.21%
Public3.60%
Promoters73.35%
FIIs11.58%
DIIs11.37%
Public3.70%
Promoters73.35%
FIIs11.75%
DIIs11.13%
Public3.77%
Promoters73.35%
FIIs12.31%
DIIs10.43%
Public3.92%
Promoters73.35%
FIIs11.61%
DIIs10.75%
Public4.29%
Promoters73.35%
FIIs9.37%
DIIs12.66%
Public4.61%
Promoters73.35%
FIIs8.33%
DIIs14.72%
Public3.59%
Promoters73.35%
FIIs11.02%
DIIs11.75%
Public3.87%
Promoters73.35%
FIIs12.31%
DIIs10.43%
Public3.92%
Promoters73.35%
FIIs11.61%
DIIs10.75%
Public4.29%
MUTHOOTFIN
Holdings Analysis
Key strengths & risk signals
65
Overall
87
Fundamental
44
Technical
Risks (4)
VERY HIGH DEBT! D/E of 3.67 - significant risk.
POOR YEAR! Stock declined 22.6% in the last year.
WEAK POSITION! Current price (2598.3) is below both moving averages.
WEAK! Trading at 2.4% of 52W range - near yearly lows.
Strengths (3)
EXCELLENT EFFICIENCY! 55.5% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
APPROACHING OVERSOLD! RSI at 35.6 - watch for reversal.
Fundamental & Technical Analysis
65Overall
87Fundamental
44Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 38.0% (EXCELLENT, 15/15). Profit CAGR: 43.1% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 55.5% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.21 indicates stock is cheap relative to growth.
Dividend Yield
5/10
LOW DIVIDEND! 1.15% yield - minimal income contribution.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 3.67 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 4.21% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
5/10
BEARISH TREND! 50-day average (2846.5) is below 200-day average (3234.3) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (2598.3) is below both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATING DOWN
52W Performance
1/10
POOR YEAR! Stock declined 22.6% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 523,990 vs down days: 640,489. Ratio: 0.82x
RSI
4/5
APPROACHING OVERSOLD! RSI at 35.6 - watch for reversal.
52W Range
1/5
WEAK! Trading at 2.4% of 52W range - near yearly lows.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.0% (1 week), 6.2% (1 month), 13.1% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
MUTHOOTFIN
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q4FY262026-05-20 | Concall PDF | |
| Q3FY262026-02-18 | Concall PDF | |
| Q2FY262025-11-18 | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MUTHOOTFIN | ₹2,598.30 | 9.2 | 55.5% | 38.0% | 43.1% | -22.6% | 65 | CONSOLIDATING DOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| IRFC | ₹80.20 | 14.2 | 97.3% | 4.6% | 4.4% | -36.1% | 60 | BREAKOUT | +10.4% | +14.4% | +19.4% | +12.4% |
| PFC | ₹333.20 | 4.2 | 54.5% | 16.2% | 17.7% | -13.7% | 77 | BREAKOUT | +2.1% | +0.2% | -1.0% | -7.6% |
| RECLTD | ₹307.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 68 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
| CHOLAFIN | ₹1,574.40 | 23.3 | 40.5% | 32.8% | 25.2% | -4.9% | 70 | APPROACHING RESISTANCE | +45.6% | +0.7% | +27.4% | +2.9% |
| TATACAP | ₹322.80 | 25.3 | 39.7% | 34.5% | – | -2.8% | 61 | APPROACHING SUPPORT | – | +3.0% | +15.3% | +5.7% |
| LTF | ₹253.80 | 18.6 | 33.1% | 6.0% | 32.0% | -1.6% | 60 | BREAKDOWN | – | +7.8% | +21.8% | +9.4% |
| SBICARD | ₹564.20 | 23.6 | 18.2% | 13.5% | -1.4% | -38.7% | 54 | CONSOLIDATING DOWN | +19.5% | +9.0% | +0.7% | 0.0% |
Data from TradeAlone · Updated daily
MUTHOOTFIN News
Muthoot Finance Limited (MUTHOOTFIN) breaks below support, falls 10% intraday2026-08-03Muthoot Finance Limited (MUTHOOTFIN) breaks below support, falls 9%2026-08-03Muthoot Finance Limited Announces Leadership Succession Plan2026-08-01Muthoot Finance Limited (muthootfin): Q1 FY27: 43% Yoy Growth in Consolidated Loan AUM and Profit2026-08-01Muthoot Finance Limited (muthootfin) FY26 Results: Record Loan AUM and Profit After Tax2026-05-14
