Overview

Detailed Summary

Muthoot Capital Services Limited, established in 1994, is a Non-Banking Finance Company focused on providing vehicle loans, especially for two-wheelers and used cars.
The company has seen a year-on-year growth in its Asset Under Management (AUM) by 20%, reaching ₹3,399 Crores, indicating robust growth in its core lending areas.
Despite a strong AUM expansion, the company continues to face asset quality challenges, with gross NPAs reaching 6.45%.
A strategic shift towards refining its credit profile and improving collection efficiencies has been introduced, with significant tech and procedural investments noted.
Muthoot Capital has taken bold steps to reduce co-lending dependencies while expanding its self-sourced business, expecting improved yields and strengthened capital efficiency.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 325 Cr
Volatility: Moderate Risk
P/E Ratio: 29.0
Industry P/E: 17.8
PEG Ratio: -0.4
P/B Ratio: 0.5
52W High: 366.70
52W Low: 176.40

Sales CAGR

1Y: 18.74%
3Y: 4.71%
5Y: -4.26%
10Y: 8.42%

Profit CAGR

1Y: -62.70%
3Y: —
5Y: -5.43%
10Y: 8.02%

ROE

TTM: 1.85%
3Y: 14.05%
5Y: 5.00%
10Y: 8.85%

ROCE

TTM: 8.34%
3Y: 15.14%
5Y: 12.66%
10Y: 17.49%

Technicals

‌

Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
LASTMILE		9.49	337 Cr	23.73	0.84	0.21	5.13	7.79	2.87
MUTHOOTCAP		198.00	326 Cr	29.14	0.49	0.00	1.85	8.34	0.28
DHRUVCA		445.50	320 Cr	-427.11	10.38	0.00	8.31	8.89	-1.62
ASCOM		260.00	305 Cr	58.24	5.54	0.00	9.50	13.09	8.76
BOMOXY-B1		19354.90	290 Cr	-89.44	0.61	0.00	-0.69	-0.82	-0.65
AVONMORE		10.14	287 Cr	36.34	0.74	0.00	3.56	7.28	3.72
UCIL		61.00	270 Cr	3.10	1.65	0.00	53.09	34.26	18.18
Median: 7 Co.	—	198.00	305 Cr	23.73	0.84	0.00	5.13	8.34	2.87

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	96	98	100	109	126	137	145	154	155	167
Expenses	43	41	41	37	46	64	77	69	68	78
Interest	40	42	44	51	62	68	75	81	81	78
Financing Profit	13	15	15	21	18	5.85	-7.15	3.05	5.79	11
Financing Margin %	13.36	15.12	15.15	19.71	14.25	4.26	-4.92	1.99	3.73	6.59
Other Income	0.79	0.20	0.18	1.14	0.46	3.06	2.18	1.87	5.86	0.38
Depreciation	0.21	0.33	0.82	0.94	1.08	1.93	1.19	1.21	1.33	3.60
Profit Before Tax	13	15	15	22	17	6.98	-6.17	3.72	10	7.75
Tax %	25.24	20.42	25.57	26.13	27.36	8.02	24.31	23.92	25.87	30.84
Net Profit	10	12	11	16	13	6.42	-4.67	2.83	7.65	5.37
EPS in Rs	6.09	7.10	6.57	9.71	7.63	3.90	-2.84	1.72	4.65	3.26
Gross NPA %	11	10	9.84	4.80	0.00	0.00	5.76	6.46	0.00	6.96
Net NPA %	3.55	3.40	3.41	1.62	0.00	0.00	2.70	3.07	0.00	4.12

Standalone Profit Loss (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	284	398	518	586	504	411	443	398	472	517
Expenses	133	192	206	264	247	476	185	164	188	224
Interest	104	123	179	228	187	150	148	168	224	255
Financing Profit	47	83	134	95	70	-215	109	66	60	38
Financing Margin %	16.55	20.89	25.81	16.16	13.87	-52.38	24.63	16.65	12.79	7.35
Other Income	0.16	0.36	0.13	0.32	0.90	0.47	0.42	3.01	4.84	6.84
Depreciation	0.99	0.97	1.04	1.63	1.30	0.96	0.65	0.86	4.77	5.14
Profit Before Tax	46	82	133	93	70	-216	109	164	60	40
Tax %	286.96	286.49	284.01	283.33	385.25	401.23	361.22	394.28	412.22	23.77
Net Profit	30	54	86	60	51	-162	79	123	46	30
EPS in Rs	18.30	33.46	52.35	36.77	31.29	-103.69	48.33	74.58	27.81	6.79
Dividend Payout %	—	—	—	—	—	—	—	—	—	—

Standalone Balance Sheet (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	12	12	16	16	16	16	16	16	16	16
Reserves	135	166	377	431	491	543	395	473	595	642
Borrowings	762	928	1,350	2,126	2,351	1,945	1,625	1,891	1,660	2,853
Other Liabilities	162	172	234	67	55	56	63	55	42	74
Total Liabilities	1,072	1,278	1,978	2,640	2,913	2,560	2,099	2,435	2,314	3,585
Fixed Assets	1.83	2.23	2.48	1.72	3.51	2.81	1.96	2.13	6.02	9.76
CWIP	0.00	0.36	0.00	0.22	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	20	16	16	27	46	107	112
Other Assets	1,070	1,276	1,975	2,618	2,893	2,540	2,069	2,388	2,201	3,463
Total Assets	1,072	1,278	1,978	2,640	2,913	2,560	2,099	2,435	2,314	3,585

Standalone Cash Flows (in ₹ Crores)

Total Figures

YoY Changes

Total Figures

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity	-129	-166	-99	-614	-501	24	670	73	-46	-7.09
Cash from Investing Activity	-6.35	0.35	-1.64	-2.61	0.37	1.90	1.32	-9.39	-17	-63
Cash from Financing Activity	130	165	107	619	529	229	-416	-311	272	-251
Net Cash Flow	-5.06	-0.31	6.48	2.36	29	255	255	-248	209	-321

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	62.62%	62.62%	62.62%	62.62%	62.62%	62.62%	62.62%	62.62%	62.62%	63.33%	63.33%	63.33%
FIIs	0.97%	1.57%	1.35%	1.36%	1.32%	1.30%	1.46%	1.39%	2.50%	1.99%	1.38%	1.30%
DIIs	0.86%	0.93%	0.68%	0.68%	0.84%	1.22%	1.27%	1.36%	1.46%	1.43%	1.43%	1.01%
Public	35.55%	34.89%	35.35%	35.33%	35.22%	34.87%	34.65%	34.63%	33.42%	33.25%	33.85%	34.36%
Total Shareholders	18,725	18,022	18,658	19,733	19,782	21,755	22,348	22,524	22,633	22,429	21,931	21,787

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Projection

Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q4 FY26

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

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