Muthoot Finance Ltd

MUTHOOTFIN

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Market Cap

₹ 1,54,850 Cr

P/E

21.20

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Performance

MARKET LEADER

Valuation

REASONABLE

Growth

SLUGGISH

Profitability

HIGH MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Price

PE Ratio

Price

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Overview

Detailed Summary

Muthoot Finance Limited is India's largest gold financing company, providing loans secured by gold jewellery to individuals who cannot access formal credit easily.

The company reported the highest-ever consolidated loan assets under management, a 42% increase year-on-year, reaching ₹1,47,673 Crores.

Muthoot Finance's standalone profit after tax rose by 88% year-on-year to ₹4,391 Crores for the first half of FY 2026, showcasing significant profitability.

The company's digital initiatives, like the iMuthoot Mobile App, have seen substantial adoption, with gold loan interest repayments through the app increasing 215% year-on-year.

International operations, particularly through Asia Asset Finance PLC in Sri Lanka, have expanded, with a 54% increase in loan AUM year-on-year, reflecting its strategic international growth.

Sector

Finance

Industry

Finance - Large

Market Cap

1,54,850 Cr

Volatility

Low Risk

P/E Ratio

21.2

Industry P/E

27.6

PEG Ratio

1.4

P/B Ratio

4.7

52W High

3,869.45

52W Low

1,964.35

Sales CAGR

34.21%

15.55%

14.43%

10Y

15.00%

Profit CAGR

19.80%

9.56%

11.50%

10Y

22.96%

ROE

TTM

22.25%

17.03%

18.70%

10Y

19.44%

ROCE

TTM

11.93%

14.48%

15.41%

10Y

17.74%

Technicals

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Forecasts

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Price, EPS and Revenue Projections

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SHRIRAMFIN	854.60	1,60,781 Cr	18.35	2.65	1.16	14.45	10.99	3.29
MUTHOOTFIN	3856.60	1,54,850 Cr	21.20	4.72	0.67	22.25	11.93	4.49
CHOLAFIN	1733.00	1,46,345 Cr	31.50	5.58	0.11	17.91	9.31	2.14
SUNDARMFIN	4790.65	53,358 Cr	27.06	3.53	0.73	13.03	8.79	2.32
M&MFIN	348.40	48,461 Cr	19.64	1.96	1.66	9.96	8.32	1.66
MANAPPURAM	286.10	24,217 Cr	53.88	1.90	1.40	3.53	7.94	0.82
CREDITACC	1275.80	20,460 Cr	153.13	2.86	0.00	1.87	7.65	0.48

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3,472	3,606	3,820	4,164	4,474	4,929	5,190	5,622	6,450	7,283
Expenses	847	805	872	1,121	1,226	1,324	1,405	1,575	1,441	1,480
Interest	1,236	1,335	1,412	1,447	1,595	1,807	1,900	2,111	2,355	2,571
Financing Profit	1,389	1,467	1,536	1,596	1,653	1,798	1,885	1,936	2,654	3,232
Financing Margin %	40.01	40.67	40.20	38.33	36.95	36.48	36.32	34.43	41.14	44.38
Other Income	37	26	23	16	19	29	32	31	35	50
Depreciation	19	22	24	27	26	25	31	35	35	38
Profit Before Tax	1,407	1,470	1,534	1,585	1,646	1,802	1,886	1,932	2,654	3,244
Tax %	25.74	25.50	25.36	25.42	27.35	26.67	26.23	25.27	25.61	25.66
Net Profit	1,045	1,095	1,145	1,182	1,196	1,321	1,392	1,444	1,974	2,412
EPS in Rs	25.46	26.39	27.49	28.37	28.99	31.67	35.36	36.81	50.22	60.30
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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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	5,911	6,713	7,594	9,684	11,535	12,186	11,898	15,062	20,214	22,190
Expenses	1,559	1,661	1,754	2,215	2,271	2,502	2,765	3,644	5,530	5,745
Interest	2,369	2,127	2,535	3,173	4,100	4,256	4,209	5,430	7,412	8,173
Financing Profit	1,983	2,925	3,305	4,296	5,163	5,428	4,924	5,988	7,272	8,273
Financing Margin %	33.55	43.57	43.51	44.37	44.76	44.54	41.38	39.75	35.97	37.28
Other Income	28	69	6.62	23	36	53	77	101	110	127
Depreciation	52	52	52	59	67	70	78	92	116	125
Profit Before Tax	1,959	2,942	3,260	4,260	5,131	5,410	4,923	5,997	7,266	8,274
Tax %	38.36	37.33	35.48	25.62	25.58	25.49	25.45	25.50	26.34	25.90
Net Profit	1,207	1,844	2,103	3,169	3,819	4,031	3,670	4,468	5,352	6,131
EPS in Rs	—	—	51.67	78.08	94.69	100.02	89.97	107.71	132.83	182.69
Dividend Payout %	20.03	21.91	23.16	19.18	21.11	19.99	24.45	22.28	19.57	—

Consolidated Balance Sheet (in ₹ Crores)

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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	399	399	400	401	401	401	401	401	401	—
Reserves	5,223	6,139	7,457	9,531	11,428	15,174	18,384	21,264	24,706	—
Borrowings	13,797	17,611	23,891	30,128	40,935	50,397	54,553	55,788	68,261	0.00
Other Liabilities	7,975	8,035	1,925	1,676	2,117	2,670	2,978	2,695	3,101	0.00
Total Liabilities	27,395	32,184	33,672	41,735	54,882	68,641	76,316	80,149	96,469	—
Fixed Assets	235	257	237	244	298	313	332	377	472	0.00
CWIP	11	9.98	5.74	23	29	39	52	67	89	0.00
Investments	0.00	0.00	177	211	630	809	523	546	712	0.00
Other Assets	27,149	31,917	33,252	41,257	53,925	67,481	75,408	79,158	95,196	0.00
Total Assets	27,395	32,184	33,672	41,735	54,882	68,641	76,316	80,149	96,469	—

Consolidated Cash Flows (in ₹ Crores)

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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
Cash from Operating Activity	108	-2,186	-1,432	-4,824	-4,970	-7,814	-1,596	-2,804	-13,754	-26,525
Cash from Investing Activity	-43	-175	-125	-161	-384	40	422	181	45	-1,376
Cash from Financing Activity	-1,102	3,027	824	6,351	9,193	9,712	3,445	395	11,958	30,041
Net Cash Flow	-1,036	666	-734	1,366	3,839	1,938	2,271	-2,228	-1,751	2,140

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%	73.35%
FIIs	10.00%	9.37%	8.70%	8.12%	8.33%	8.33%	8.69%	9.84%	10.26%	11.03%	10.84%	11.58%
DIIs	12.02%	12.66%	13.73%	14.65%	14.60%	14.71%	14.55%	13.31%	12.99%	11.74%	12.21%	11.37%
Public	4.63%	4.62%	4.22%	3.89%	3.72%	3.60%	3.42%	3.50%	3.40%	3.88%	3.60%	3.71%
Total Shareholders	2,66,217	2,72,148	2,46,597	2,17,233	2,03,284	1,94,951	1,82,990	2,98,304	3,04,528	3,05,672	2,88,688	2,99,709

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Jun 28, 2024	Gopan purushothaman nair kama...	Insider - Designated Person	Disposal	1,805.00	0.12 Cr	690	—
Apr 04, 2024	Bijimon kr	Insider - Designated Person	Disposal	1,425.57	0.01 Cr	100	—
Apr 04, 2024	Bijimon kr	Insider - Designated Person	Disposal	1,486.00	0.37 Cr	2,500	—
Apr 04, 2024	Bijimon kr	Insider - Designated Person	Disposal	1,462.50	0.07 Cr	500	—
Feb 27, 2024	Bijimon kr	Insider - Designated Person	Pledge	1,336.40	0.87 Cr	6,500	—
Jan 02, 2024	Bijimon kr	Insider - Designated Person	Disposal	1,500.00	0.04 Cr	250	—
Jan 02, 2024	Bijimon kr	Insider - Designated Person	Disposal	1,363.00	0.10 Cr	700	—
Dec 07, 2023	Jacob c joseph	Insider - Immediate Relative	Disposal	—	—	2,000	—
Dec 07, 2023	Manoj jacob	Insider - Designated Person	Disposal	—	—	2,000	—
Nov 30, 2023	Reji manoj	Insider - Immediate Relative	Disposal	1,335.00	0.20 Cr	1,500	—

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	3,472	3,606	3,820	4,164	4,474	4,929	5,190	5,622	6,450	7,283
Expenses	847	805	872	1,121	1,226	1,324	1,405	1,575	1,441	1,480
Interest	1,236	1,335	1,412	1,447	1,595	1,807	1,900	2,111	2,355	2,571
Financing Profit	1,389	1,467	1,536	1,596	1,653	1,798	1,885	1,936	2,654	3,232
Financing Margin %	40.01	40.67	40.20	38.33	36.95	36.48	36.32	34.43	41.14	44.38
Other Income	37	26	23	16	19	29	32	31	35	50
Depreciation	19	22	24	27	26	25	31	35	35	38
Profit Before Tax	1,407	1,470	1,534	1,585	1,646	1,802	1,886	1,932	2,654	3,244
Tax %	25.74	25.50	25.36	25.42	27.35	26.67	26.23	25.27	25.61	25.66
Net Profit	1,045	1,095	1,145	1,182	1,196	1,321	1,392	1,444	1,974	2,412
EPS in Rs	25.46	26.39	27.49	28.37	28.99	31.67	35.36	36.81	50.22	60.30
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

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	5,911	6,713	7,594	9,684	11,535	12,186	11,898	15,062	20,214	22,190
Expenses	1,559	1,661	1,754	2,215	2,271	2,502	2,765	3,644	5,530	5,745
Interest	2,369	2,127	2,535	3,173	4,100	4,256	4,209	5,430	7,412	8,173
Financing Profit	1,983	2,925	3,305	4,296	5,163	5,428	4,924	5,988	7,272	8,273
Financing Margin %	33.55	43.57	43.51	44.37	44.76	44.54	41.38	39.75	35.97	37.28
Other Income	28	69	6.62	23	36	53	77	101	110	127
Depreciation	52	52	52	59	67	70	78	92	116	125
Profit Before Tax	1,959	2,942	3,260	4,260	5,131	5,410	4,923	5,997	7,266	8,274
Tax %	38.36	37.33	35.48	25.62	25.58	25.49	25.45	25.50	26.34	25.90
Net Profit	1,207	1,844	2,103	3,169	3,819	4,031	3,670	4,468	5,352	6,131
EPS in Rs	—	—	51.67	78.08	94.69	100.02	89.97	107.71	132.83	182.69
Dividend Payout %	20.03	21.91	23.16	19.18	21.11	19.99	24.45	22.28	19.57	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

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	399	399	400	401	401	401	401	401	401	—
Reserves	5,223	6,139	7,457	9,531	11,428	15,174	18,384	21,264	24,706	—
Borrowings	13,797	17,611	23,891	30,128	40,935	50,397	54,553	55,788	68,261	0.00
Other Liabilities	7,975	8,035	1,925	1,676	2,117	2,670	2,978	2,695	3,101	0.00
Total Liabilities	27,395	32,184	33,672	41,735	54,882	68,641	76,316	80,149	96,469	—
Fixed Assets	235	257	237	244	298	313	332	377	472	0.00
CWIP	11	9.98	5.74	23	29	39	52	67	89	0.00
Investments	0.00	0.00	177	211	630	809	523	546	712	0.00
Other Assets	27,149	31,917	33,252	41,257	53,925	67,481	75,408	79,158	95,196	0.00
Total Assets	27,395	32,184	33,672	41,735	54,882	68,641	76,316	80,149	96,469	—

Consolidated Cash Flows (in ₹ Crores)

View Standalone

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
Cash from Operating Activity	108	-2,186	-1,432	-4,824	-4,970	-7,814	-1,596	-2,804	-13,754	-26,525
Cash from Investing Activity	-43	-175	-125	-161	-384	40	422	181	45	-1,376
Cash from Financing Activity	-1,102	3,027	824	6,351	9,193	9,712	3,445	395	11,958	30,041
Net Cash Flow	-1,036	666	-734	1,366	3,839	1,938	2,271	-2,228	-1,751	2,140

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
SHRIRAMFIN	854.60	1,60,781 Cr	18.35	2.65	1.16	14.45	10.99	3.29
MUTHOOTFIN	3856.60	1,54,850 Cr	21.20	4.72	0.67	22.25	11.93	4.49
CHOLAFIN	1733.00	1,46,345 Cr	31.50	5.58	0.11	17.91	9.31	2.14
SUNDARMFIN	4790.65	53,358 Cr	27.06	3.53	0.73	13.03	8.79	2.32
M&MFIN	348.40	48,461 Cr	19.64	1.96	1.66	9.96	8.32	1.66
MANAPPURAM	286.10	24,217 Cr	53.88	1.90	1.40	3.53	7.94	0.82
CREDITACC	1275.80	20,460 Cr	153.13	2.86	0.00	1.87	7.65	0.48

Overview

Detailed Summary

Muthoot Finance Limited is India's largest gold financing company, providing loans secured by gold jewellery to individuals who cannot access formal credit easily.

The company reported the highest-ever consolidated loan assets under management, a 42% increase year-on-year, reaching ₹1,47,673 Crores.

Muthoot Finance's standalone profit after tax rose by 88% year-on-year to ₹4,391 Crores for the first half of FY 2026, showcasing significant profitability.

The company's digital initiatives, like the iMuthoot Mobile App, have seen substantial adoption, with gold loan interest repayments through the app increasing 215% year-on-year.

International operations, particularly through Asia Asset Finance PLC in Sri Lanka, have expanded, with a 54% increase in loan AUM year-on-year, reflecting its strategic international growth.

Sector

Finance

Industry

Finance - Large

Market Cap

1,54,850 Cr

Volatility

Low Risk

P/E Ratio

21.2

Industry P/E

27.6

PEG Ratio

1.4

P/B Ratio

4.7

52W High

3,869.45

52W Low

1,964.35

Sales CAGR

34.21%

15.55%

14.43%

10Y

15.00%

Profit CAGR

19.80%

9.56%

11.50%

10Y

22.96%

ROE

TTM

22.25%

17.03%

18.70%

10Y

19.44%

ROCE

TTM

11.93%

14.48%

15.41%

10Y

17.74%