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Financial Services | Large Cap
Health Score : 9.29Muthoot Finance Ltd demonstrates exceptional financial health, driven by outstanding growth, profitability, and efficiency. The company is expanding its revenue, profits, and assets at a remarkable rate, indicating a very strong market position and successful strategy. Its ability to generate high returns for shareholders is a significant strength. The financial structure appears unusually safe, with scores indicating a debt-free position, which provides a massive cushion against economic volatility. Key areas for observation include a pattern of negative cash flow from core operations and an only-average ability to cover its interest payments with earnings. Despite these points, the overall picture is one of a powerful, rapidly growing company with a robust financial standing and a positive future outlook.
Health Score : 9.29Muthoot Finance Ltd demonstrates exceptional financial health, driven by outstanding growth, profitability, and efficiency. The company is expanding its revenue, profits, and assets at a remarkable rate, indicating a very strong market position and successful strategy. Its ability to generate high returns for shareholders is a significant strength. The financial structure appears unusually safe, with scores indicating a debt-free position, which provides a massive cushion against economic volatility. Key areas for observation include a pattern of negative cash flow from core operations and an only-average ability to cover its interest payments with earnings. Despite these points, the overall picture is one of a powerful, rapidly growing company with a robust financial standing and a positive future outlook.
Overall Valuation Score
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Markets Today NSE
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Avg Price
0.00
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Last Traded Quantity
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Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
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P/E RATIO (TTM)
11.51
Industry Median
20.55
Large Cap Median
32.02
P/E RATIO
11.01
P/B RATIO
2.98
Industry Median
1.24
Large Cap Median
4.05
P/S RATIO
3.74
Industry Median
4.30
Large Cap Median
6.59
Others
PEG RATIO
0.49
EV/EBITDA RATIO
10.05
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹2905 as on Sep 1, 2026.
Growth Score : 10.00The company is experiencing a period of phenomenal growth across all measured aspects. Revenue, profits, and earnings are all expanding at an exceptional rate, far outpacing the market average. This explosive growth is supported by a rapidly expanding asset base, showing the company is successfully reinvesting to fuel further expansion. This uniform and powerful upward trend across the board signifies strong market demand, effective business strategy, and a very positive outlook for future performance and shareholder value creation.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 5.64 | -2.36 | 26.59 | 34.21 | 54.39 |
| Operating Profit Growth Rate | 5.05 | -9.25 | 21.56 | 21.44 | 97.85 |
| Earnings Per Share (EPS) Growth | 5.54 | -10.09 | 19.7 | 23.33 | 98.58 |
| Asset Growth Rate | 11.18 | 5.02 | 20.36 | 37.72 | 47.37 |
| Net Income Growth Rate | 5.55 | -8.96 | 21.74 | 19.79 | 98.19 |
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 | Muthoot Finance Ltd | 9.29 | 11.01 | Undervalued | 14388.00 | 252.43 | 10607.00 |
| 2 | Shriram Finance Ltd | 9.08 | 19.88 | Neutral | 13939.00 | 42.49 | 10024.00 |
| 3 | SBI Cards & Payment Services Ltd | 8.92 | 27.77 | Neutral | 2241.00 | 22.77 | 2167.00 |
| 4 | Cholamandalam Investment & Finance Company Ltd | 8.91 | 29.55 | Overvalued | 6791.00 | 61.22 | 5233.00 |
| 5 | Jio Financial Services Ltd | 8.85 | 95.87 | Neutral | 2305.00 | 1.03 | N/A |
| 6 | L&T Finance Ltd | 5.63 | 25.97 | Neutral | 4234.00 | 12.37 | 2983.00 |
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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.
Concall Report⬤13th Nov 25
Q2 FY26 Earnings Conference Call
BULLISH SENTIMENT
Muthoot Finance Ltd is India's largest gold loan non-banking financial company (NBFC), primarily providing loans secured by gold jewellery. It caters to individuals and small businesses, playing a significant role in financial inclusion across India and holding a dominant market position in its specialized niche.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Muthoot Finance Ltd's P/E ratio (TTM) is 11.51, compared to the industry median of 20.55 and large cap median of 32.02.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Muthoot Finance Ltd's P/B ratio is 2.98, compared to the industry median of 1.24 and large cap median of 4.05.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Muthoot Finance Ltd's P/S ratio is 3.74, compared to the industry median of 4.30 and large cap median of 6.59.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Muthoot Finance Ltd's PEG ratio is 0.49.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Muthoot Finance Ltd's EV/EBITDA ratio is 10.05.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Muthoot Finance Ltd's ROE is 27.11%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Muthoot Finance Ltd's ROA is 7.35%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Muthoot Finance Ltd's ROCE is 64.67%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Muthoot Finance Ltd's operating margin is 46.10%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Muthoot Finance Ltd's net margin is 33.99%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Muthoot Finance Ltd's current ratio is 40.37.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Muthoot Finance 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 Finance Ltd's interest coverage ratio is 2.30.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Muthoot Finance Ltd's DPS is ₹29.02.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Muthoot Finance Ltd's EPS is 98.58.
(Source line: "Ratios as of 29 Sept 2026, based on last traded price of ₹2905. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1997 (business originated in 1939)
Headquarters: Kochi, Kerala
Core Offerings: Gold Loans, Housing Finance, Vehicle Finance, Microfinance, Insurance Broking
Stock Listing: NSE (MUTHOOTFIN), BSE (533398)
Promoter: Muthoot Group
The Muthoot Group's financial services business began in 1939 in Kerala. Muthoot Finance Ltd was formally incorporated in 1997 and subsequently converted into a public limited company. Over the decades, it expanded operations significantly, specializing in gold loans and becoming the largest player in India. The company went public with an IPO in 2011 and has since diversified its offerings into housing finance, microfinance, vehicle and asset finance, and insurance broking.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Gold Loans | 90-95% | Operating Profit |
| Other Financial Services | 5-10% | Operating Profit |
Gold Loans: The flagship product, offering quick, collateralized personal and business loans against household gold jewellery to individuals and small businesses. Operates through a vast network of over 4,700 branches across India.
Other Financial Services: Includes affordable housing finance through Muthoot Homefin (India) Limited, microfinance services via Muthoot Microfin Limited, vehicle and asset finance through Muthoot Money Limited, personal loans, and insurance broking.
George Alexander Muthoot (Chairman & Whole-time Director): Member of the promoter family, he has been instrumental in the company's growth and diversification, overseeing strategy and operations.
Muthoot Homefin (India) Limited (housing finance)
Muthoot Microfin Limited (microfinance)
Muthoot Money Limited (vehicle and asset finance)
Muthoot Insurance Brokers Private Limited (insurance broking)
No major recent corporate actions on record.
The Muthoot Finance Ltd share price today is ₹2905 on NSE (MUTHOOTFIN), as of 29 Sept 2026.
As of 29 Sept 2026, Muthoot Finance Ltd share price is ₹2905, with previous close ₹2905. Today's range is ₹2905 to ₹2905. The 52-week range is ₹N/A to ₹N/A.
As of today, Muthoot Finance Ltd's market cap is ₹1,16,781 crore (Large Cap).
Muthoot Finance Ltd's current P/E ratio is 11.51, compared to the BANKING AND FINANCE sector average of 26.80.
Muthoot Finance Ltd's current P/B ratio is 2.98.
Muthoot Finance Ltd's current dividend yield is 1.00%. Last dividend of ₹24.00 per share was declared on 20-Feb-2024.
Muthoot Finance Ltd's EPS (TTM) is ₹98.58.
Muthoot Finance Ltd is India's largest gold loan non-banking financial company (NBFC), primarily providing loans secured by gold jewellery. It caters to individuals and small businesses, playing a significant role in financial inclusion across India and holding a dominant market position in its specialized niche.
Muthoot Finance Ltd is promoted by Muthoot Group, holding 73.35% as of 29 Sept 2026.
Muthoot Finance Ltd is listed on NSE (MUTHOOTFIN) and BSE (533398). Its next quarterly results are expected on August 2024.
Capital Efficiency & Returns