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Muthoot Finance Limited

Muthoot Finance Limited

MUTHOOTFIN.BO
Muthoot Finance LimitedIN flagBombay Stock Exchange
3,129.65
INR
+74.40
- -
1.26TMarket Cap
Muthoot Finance Limited
MUTHOOTFIN.BO
(Bombay Stock Exchange)

Recent

price

3,129.65

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
34.37
60.21
70.61
63.95
56.85
67.09
90.19
116.45
126.17
162.73
185.77
198.4
192.08
240.54
320.16
- -
506.83
Revenue per Share
13.29
24
27.02
20.99
16.98
20.46
30.06
45.79
51.92
78.3
94.84
100.1
89.99
107.72
132.84
- -
263.78
Basic EPS, GAAP
-164.65
-237.32
-108.5
152.12
-12.97
1.96
-56.15
-36.75
-122.45
-126.3
-197.09
-42.2
-73.37
-344.45
-666.13
- -
- -
Free Cash Flow per Basic Share
- -
- -
4.65
11.08
5.88
9.63
- -
19.3
- -
32.57
0.02
20
20.01
22.03
24.03
- -
- -
Dividend per Share
24.21
35.74
46.82
36.64
32.19
32.32
36.7
47.71
64.65
94.86
169.56
231.08
283.93
346.5
428.38
- -
10
Book Value per Share
35.89
78.65
100.37
114.55
129.1
141.97
164.4
197.62
250.73
298.48
391.93
476.04
551
640.62
746.18
- -
989.83
Tangible Book Value per Share
372
372
372
372
395
398
399
400
400
401
401
401
401
401
401
- -
401
Basic Weighted Avg Shares
12,776
22,380
26,247
23,772
22,470
26,706
36,001
46,541
50,500
65,222
74,516
79,611
77,102
96,564
128,528
202,638
203,485
Sales/Revenue/Turnover
60.95
164.93
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
181
329
454
475
843
587
519
519
517
592
674
700
782
921
1,160
1,373
1,373
Depreciation Expense
4,942
8,920
10,042
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
105,903
Net Income, GAAP
35.08
32.99
33.56
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
25.85
Effective Tax Rate (%)
38.68
39.86
38.26
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
52.04
Profit Margin (%)
38,455
90,500
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
119,402
193,861
240,915
194,848
193,679
186,169
222,066
237,389
299,129
407,188
501,814
543,621
555,061
677,418
988,153
1,510,264
1,510,264
LT Debt
13,344
29,257
37,356
42,646
51,130
56,600
65,933
79,299
100,736
120,014
157,596
191,379
221,528
257,540
299,912
397,745
397,745
Total Equity
3.55
8.49
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
8.31
8.68
3.35
3.34
3.23
3.99
5.46
7.34
7.04
8.04
7.44
6.61
5.41
5.59
5.34
7.87
7.87
Return on Capital (%)
71.37
80.06
65.44
50.29
50.95
63.67
87.22
108.55
92.47
98.23
71.76
49.98
34.95
34.17
34.29
120.35
120.35
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
401
401
401
Market Capitalization
1,228,205
1,531,166
1,268,509

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
81,206
108,053
128,678
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
21.68%
20.5%
32.62%
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%
57.66%
Total Cash Common Dividend
- -
23,770.09%
8.22%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
22,728
22,969
24,302
26,565
96,564
2025
28,980
31,504
33,221
35,162
128,528
2026
41,301
47,614
53,205
61,366
202,638

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
25.46
26.39
27.49
- -
107.72
2025
28.99
31.67
35.36
36.81
132.84
2026
50.22
60.29
69.84
83.43
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
22.03
2025
- -
- -
- -
- -
24.03
2026
- -
- -
- -
- -
- -
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Business
Muthoot Finance Limited (MUTHOOTFIN.BO) is India's largest gold loan non-banking financial company (NBFC), providing secured loans against gold jewellery primarily to individuals and small businesses lacking access to formal credit for short-term liquidity needs. The company offers a comprehensive suite of gold loan products including Muthoot One Percent Loan (MOL), Muthoot Ultimate Loan (MUL), Muthoot Delight Loan (MDL), Muthoot Mudra Loan (MML), Muthoot Advantage Loan, Muthoot High Value Loan (MHL), Muthoot High Value Plus Loan (MHP), Muthoot Big Business Loans, Best Value Scheme (BVS), and High Value Retention (HVR); additional services encompass personal loans, small business loans, housing finance through subsidiary Muthoot Homefin (India) Limited, microfinance, foreign inward and domestic money transfers, foreign exchange, insurance broking, gold coins sales, wealth management, vehicle and asset finance, collection services, white-label ATMs, and National Pension Scheme distribution. It operates over 7,500 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; founded in 1939 as part of the Muthoot Group's 800-year legacy and headquartered in Kochi, Kerala, the company serves more than six million customers with assets under management exceeding Rs 1.36 trillion. In recent developments, Muthoot Finance infused Rs 200 crore into its wholly-owned subsidiary Muthoot Homefin in September 2025 to bolster capital adequacy and fund business growth; the company received RBI approval in February 2025 to open 115 new branches, following 218 additions in Q1 FY25 and prior approvals for 150 branches, targeting 300-400 new branches annually to enhance accessibility in underbanked areas. It raised USD 600 million via external commercial borrowings in September 2025 as the final tranche under its USD 2 billion Global Medium Term Note programme and completed settlement of USD 150 million senior secured notes in October 2025 to support lending expansion; additionally, in August 2025, it launched a new digital gold loan platform enabling instant credit, while Q2 FY26 net profit surged nearly 90% year-over-year amid robust gold loan demand. These initiatives underscore strategic diversification beyond core gold loans, digital enhancement, and aggressive branch network growth while maintaining strong financial performance, including FY25 net profit of Rs 52,007 crore and Q1 FY26 net profit of Rs 20,463 crore.