Muthoot Finance Ltd

Muthoot Finance Ltd

2,364.80
INR
-50.20
(-2.08%)
285.38EPS
10.58P/E
1.20TMarket Cap
Nov 05Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
63.95
56.85
67.09
90.19
116.45
126.17
162.73
185.77
198.4
192.08
240.54
320.15
504.77
534.39
Basic EPS, GAAP
20.99
16.98
20.46
30.06
45.79
51.92
78.3
94.84
100.1
89.99
107.72
132.84
263.79
283.28
Free Cash Flow per Basic Share
152.12
-12.97
1.96
-56.15
-36.75
-122.45
-126.3
-197.09
-42.2
-73.37
-344.45
-666.11
-1,184.29
- -
Dividend per Share
11.08
5.88
9.63
- -
19.3
- -
32.57
0.02
20
20.01
22.03
24.03
26.01
- -
Book Value per Share
114.73
127.75
140.91
163.24
196.39
247.87
294.97
388.22
468.07
539.69
625.39
731.49
974.68
1,011.33
Tangible Book Value per Share
114.55
127.48
140.69
162.46
195.59
246.92
294
387.25
467.17
538.79
624.49
730.6
973.82
1,010.49
Basic Weighted Avg Shares
372
395
398
399
400
400
401
401
401
401
401
401
401
401
Sales/Revenue/Turnover
23,772
22,470
26,706
36,001
46,541
50,501
65,222
74,516
79,611
77,102
96,564
128,528
202,649
214,549
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
475
843
587
519
519
517
592
674
700
782
921
1,160
1,373
1,340
Net Income, GAAP
7,801
6,710
8,145
11,998
18,298
20,780
31,382
38,044
40,166
36,123
43,243
53,329
105,903
113,732
Effective Tax Rate (%)
34.64
34.72
38.35
38.36
37.33
35.48
25.62
25.58
25.49
25.45
25.5
26.34
25.85
25.83
Profit Margin (%)
32.81
29.86
30.5
33.33
39.32
41.15
48.12
51.05
50.45
46.85
44.78
41.49
52.26
53.01
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
194,848
193,679
186,169
222,066
237,389
299,129
407,188
501,814
543,621
555,061
677,418
988,153
1,510,358
1,624,182
Total Equity
42,646
51,130
56,600
65,933
79,299
100,736
120,014
157,596
191,379
221,528
257,540
299,932
397,745
412,689
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.02
2.78
3.33
4.49
6.01
5.73
6.7
6.39
5.74
4.7
4.89
4.78
6.62
6.49
Return on Common Equity (%)
19.5
14.36
15.22
19.76
25.45
23.36
28.84
27.77
23.38
17.86
18.49
19.58
30.92
32.06

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
401
401
401
Market Capitalization
1,531,141
1,268,460
1,203,241

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
108,053
130,207
147,981
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.68%
20.5%
32.61%
Free Cash Flow
-217.64%
107.2%
77.79%
Net Income, GAAP
32.27%
27.42%
98.58%
Sales/Revenue/Turnover
23.57%
23.94%
57.67%
Total Cash Common Dividend
- -
23,770.09%
8.22%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
28,980
31,504
33,221
35,162
128,528
2026
41,108
47,614
53,205
61,366
202,649
2027
52,364
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
28.99
31.67
35.36
36.81
132.84
2026
50.22
60.29
69.84
83.43
263.79
2027
69.72
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
24.03
2026
- -
- -
- -
- -
26.01
2027
- -
- -
- -
- -
- -

Company Description

CEO
Kuttikattu Rajappan Bijimon
Full Time Employees
31,613
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Muthoot Chambers Kochi KE India 682018
IPO Date
May 6, 2011
Business
Muthoot Finance Limited Muthoot Finance Limited (MUTHOOTFIN.NS) is India's largest gold loan non-banking financial company (NBFC), providing personal and business loans secured by gold jewellery primarily to individuals lacking access to formal credit for short-term liquidity needs; it offers an extensive range of gold loan products including Muthoot One Percent Loan (₹1,500 to ₹50,000 at low rates), Muthoot Ultimate Loan (starting ₹1,500 with online facility and discounts), Muthoot Delight Loan (₹75,000 to ₹5 crores), Muthoot Mudra Loan (₹1,500 to ₹1 lakh for women in South India), Muthoot Advantage Loan (₹1.5 lakh to ₹5 crores), Muthoot High Value Plus Loan (₹3 lakhs to ₹5 crores for businesses), Muthoot High Value Loan (from ₹75,000 with no upper limit), Best Value Scheme (₹75,000 to ₹5 crores in South India), and High Value Retention (₹10 lakhs to ₹5 crores in South India), alongside personal loans, small business loans, SME loans, corporate loans, housing finance through subsidiary Muthoot Homefin (India) Limited, vehicle loans, microfinance, gold flexi credit, wealth management, insurance broking, foreign inward and domestic money transfers (including Western Union), foreign exchange, collection services, PAN card services, National Pension Scheme, gold coin sales, and windmill power generation. The company operates over 7,300 branches across 23 states and six union territories in India, with international presence in the UK, US, UAE, and Sri Lanka offering corporate loans, mortgage loans, factoring, and short-term loans; headquartered in Kochi, Kerala, it traces its origins to the Muthoot Group's 800-year family legacy and was incorporated as a private limited company on March 14, 1997, converting to public limited status in 2008 with shares listed on BSE and NSE since 2011. Recent developments include a ₹2,000 crore equity infusion into wholly-owned subsidiary Muthoot Homefin (India) Limited in 2025 via allotment of 266.67 million shares to bolster its capital base, support growth, and improve capital adequacy; a USD 150 million bond issuance in GIFT City in October 2025; strategic fintech partnerships such as with Senseforth.ai for AI virtual assistant 'Mattu' and NIRA for digital personal loans up to ₹1 lakh; ongoing digital transformation achieving 75% online new customer acquisitions and equity infusion into Muthoot Money for unsecured personal and SME loans; record Q1 FY26 net profit of ₹20,463 crore driven by gold price surges and rural loan growth; and maintenance of its position as India's #1 trusted financial services brand per TRA Brand Trust Report.