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Banking And Finance | Small Cap
Health Score : 4.27Muthoot Capital Services Ltd, operating in the non-bank financial sector, demonstrates a mixed financial performance. The company shows strong efficiency and profitability, driven by healthy gross profit and operating margins. Revenue and asset growth rates are also positive, indicating business expansion. However, the company faces challenges in liquidity, with very low current, quick, and cash ratios. Solvency is a concern, reflected in high debt levels relative to equity and assets. Coverage ratios are also weak, suggesting potential difficulties in meeting interest and dividend obligations. While cash earnings per share and capital expenditures are positive, adjusted earnings and book value per share need improvement. Overall, Muthoot Capital Services exhibits growth and profitability strengths but needs to address its liquidity and solvency weaknesses to ensure long-term financial stability.
Health Score : 4.27Muthoot Capital Services Ltd, operating in the non-bank financial sector, demonstrates a mixed financial performance. The company shows strong efficiency and profitability, driven by healthy gross profit and operating margins. Revenue and asset growth rates are also positive, indicating business expansion. However, the company faces challenges in liquidity, with very low current, quick, and cash ratios. Solvency is a concern, reflected in high debt levels relative to equity and assets. Coverage ratios are also weak, suggesting potential difficulties in meeting interest and dividend obligations. While cash earnings per share and capital expenditures are positive, adjusted earnings and book value per share need improvement. Overall, Muthoot Capital Services exhibits growth and profitability strengths but needs to address its liquidity and solvency weaknesses to ensure long-term financial stability.
Overall Valuation Score
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0
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0
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Markets Today NSE
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Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
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P/E RATIO (TTM)
36.12
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
36.12
P/B RATIO
0.60
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
0.67
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
9.49
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹245.24 as on Sep 1, 2026.
Growth Score : 4.80The growth ratios indicate a mixed performance. Strong growth in revenue and assets demonstrates the company's expansion potential. However, negative growth in operating profit, EPS, and net income raises concerns about profitability and earnings sustainability. The weighted average calculation highlights the importance of balancing revenue growth with profitability to ensure long-term success.
Revenue Growth RateExcellentOperating Profit Growth RatePoorEarnings Per Share (EPS) GrowthPoorAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | -18.45 | 7.79 | -9.93 | 18.8 | 31.01 |
| Operating Profit Growth Rate | -407.14 | 150.7 | -77.98 | 158.33 | -79.03 |
| Earnings Per Share (EPS) Growth | -414.67 | 148.59 | 55.89 | -62.7 | -75.59 |
| Asset Growth Rate | -18.01 | 16.01 | -4.97 | 54.93 | 13.14 |
| Net Income Growth Rate | -417.65 | 148.77 | 55.7 | -62.6 | -76.09 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Akme Fintrade (India) Ltd | 8.27 | 9.53 | Undervalued | 55.00 | 0.99 | 42.00 |
| 2 | CSL Finance Ltd | 8.09 | 6.27 | Neutral | 113.00 | 37.80 | 86.00 |
| 3 | Avonmore Capital & Management Services Ltd | 8.02 | 27.22 | Neutral | 14.00 | 0.03 | 22.00 |
| 4 | Keynote Financial Services Ltd | 7.94 | 21.22 | Neutral | 8.19 | -2.98 | 6.66 |
| 5 | Starteck Finance Ltd | 7.94 | 10.50 | Neutral | 10.00 | 17.31 | 24.00 |
| 6 | Naga Dhunseri Group Ltd | 6.97 | -29.29 | Neutral | -39.00 | -108.80 | -10.00 |
| 7 | Consolidated Finvest & Holdings Ltd | 6.65 | 2.21 | Neutral | 13.00 | 16.74 | 450.00 |
| 8 | Industrial Investment Trust Ltd | 5.70 | -27.77 | Neutral | -13.00 | -5.91 | -12.00 |
| 9 | U. Y. Fincorp Ltd | 4.85 | 48.88 | Neutral | -2.83 | 2.54 | -0.66 |
| 10 | Muthoot Capital Services Ltd | 4.27 | 36.12 | Neutral | 13.00 | 6.79 | 11.00 |
| 11 | NBI Industrial Finance Company Ltd | 4.16 | 68.52 | Neutral | 22.00 | 46.99 | 16.00 |
| 12 | Manba Finance Ltd | 3.72 | 14.32 | Neutral | 64.00 | 9.03 | 45.00 |
| 13 | Mangal Credit & Fincorp Ltd | 3.63 | 62.05 | Neutral | 15.00 | 7.25 | 8.00 |
| 14 | SAKTHIFIN | N/A | N/A | N/A | N/A | N/A | N/A |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 1 Technical Indicators From The 1 Hour Timeframe
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤8th May 26
Statement of Audited Financial Results for Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤24th Jan 26
Q3 FY26 Earnings Conference Call
BEARISH SENTIMENT
Quarterly Report⬤21st Jan 26
Quarterly Financial Results Q3 FY 2025–26
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Muthoot Capital Services Ltd (MCSL) is a non-banking financial company (NBFC) specializing primarily in two-wheeler financing across India. Part of the diversified Muthoot Pappachan Group, the company also offers used car loans, gold loans, and small business loans, aiming to provide accessible credit solutions to individuals and businesses, particularly in semi-urban and rural markets.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Muthoot Capital Services Ltd's P/E ratio (TTM) is 36.12, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Muthoot Capital Services Ltd's P/B ratio is 0.60, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Muthoot Capital Services Ltd's P/S ratio is 0.67, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Muthoot Capital Services Ltd's PEG ratio is 0.65.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Muthoot Capital Services Ltd's EV/EBITDA ratio is 9.49.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Muthoot Capital Services Ltd's ROE is 1.64%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Muthoot Capital Services Ltd's ROA is 0.32%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Muthoot Capital Services Ltd's ROCE is 49.40%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Muthoot Capital Services Ltd's operating margin is 2.09%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Muthoot Capital Services Ltd's net margin is 1.77%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Muthoot Capital Services Ltd's current ratio is 55.18.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Muthoot Capital Services Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Muthoot Capital Services Ltd's interest coverage ratio is 1.05.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Muthoot Capital Services Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Muthoot Capital Services Ltd's EPS is -75.59.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹245.24. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1994 (as Muthoot Leasing & Finance Limited)
Headquarters: Kochi, Kerala
Core Offerings: Two-wheeler loans, Used car loans, Gold loans, Small business loans
Stock Listing: NSE (MUTHOOTCAP), BSE (511766)
Promoter: Muthoot Pappachan Group
Muthoot Capital Services Ltd was incorporated in 1994 as Muthoot Leasing & Finance Limited. In 1995, its name changed to Muthoot Capital Services Private Limited, and it became a public limited company in 1996. Over the years, the company sharpened its focus on two-wheeler financing, expanding its reach across various states in India. More recently, it has diversified its product portfolio to include used car loans, gold loans, and small business loans, adapting to evolving market demands and strengthening its position within the retail finance segment.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Two-Wheeler Finance | Approx 70-80% | Operating Profit |
| Used Car Finance | Approx 10-15% | Operating Profit |
| Other Loans (Gold, SME) | Approx 5-10% | Operating Profit |
Two-Wheeler Finance: Provides loans for new and used two-wheelers, serving a wide customer base including salaried and self-employed individuals across semi-urban and rural areas.
Used Car Finance: Offers financing solutions for pre-owned cars, further expanding the company's vehicle finance portfolio and catering to a growing market segment.
Gold Loans & Small Business Loans: Complements its core vehicle finance business by offering collateral-backed gold loans and various small business loan products to meet diverse customer needs.
Mr. Thomas George Muthoot - Chairman: Oversees the strategic direction as a prominent member of the promoter family and head of Muthoot Pappachan Group's financial services. Mr. Mathew Muthoot - Managing Director: Provides leadership and drives the company's operational growth and expansion initiatives. Mr. Madhu Alex - Chief Executive Officer (CEO): Responsible for day-to-day operations and executing the company's strategic goals.
No major subsidiaries reported.
No major recent corporate actions on record.
The Muthoot Capital Services Ltd share price today is ₹245.24 on NSE (MUTHOOTCAP), as of 28 Sept 2026.
As of 28 Sept 2026, Muthoot Capital Services Ltd share price is ₹245.24, with previous close ₹245.24. Today's range is ₹245.24 to ₹245.24. The 52-week range is ₹N/A to ₹N/A.
As of today, Muthoot Capital Services Ltd's market cap is ₹416.91 crore (Small Cap).
Muthoot Capital Services Ltd's current P/E ratio is 36.12, compared to the BANKING AND FINANCE sector average of 26.80.
Muthoot Capital Services Ltd's current P/B ratio is 0.60.
Muthoot Capital Services Ltd's current dividend yield is N/A. Last dividend of ₹2.50 per share was declared on 24-May-2024.
Muthoot Capital Services Ltd's EPS (TTM) is ₹-75.59.
Muthoot Capital Services Ltd (MCSL) is a non-banking financial company (NBFC) specializing primarily in two-wheeler financing across India. Part of the diversified Muthoot Pappachan Group, the company also offers used car loans, gold loans, and small business loans, aiming to provide accessible credit solutions to individuals and businesses, particularly in semi-urban and rural markets.
Muthoot Capital Services Ltd is promoted by Muthoot Pappachan Group, holding 63.33% as of 28 Sept 2026.
Muthoot Capital Services Ltd is listed on NSE (MUTHOOTCAP) and BSE (511766). Its next quarterly results are expected on August 2024.
Cash Earnings Per Share (Cash EPS)