MUTHOOT FINANCE LIMITED
Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; money transfer; non-convertible debentures; national pension scheme; digital and cashless payments; bank mapping; and other custom offerings and milligram rewards. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Healthy return on equity of 18.3%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ17.10 K Cr | β | βΉ5.20 K Cr | β | β | β | 35.3% | 28.4% |
| Mar 2024 | βΉ12.63 K Cr | β | βΉ4.05 K Cr | β | β | β | 20.2% | 16.6% |
| Mar 2023 | βΉ10.52 K Cr | β | βΉ3.47 K Cr | β | β | β | -5.1% | -12.1% |
| Mar 2022 | βΉ11.08 K Cr | β | βΉ3.95 K Cr | β | β | β | 5.0% | 6.2% |
| Mar 2021 | βΉ10.56 K Cr | β | βΉ3.72 K Cr | β | β | β | 21.1% | 23.3% |
| Mar 2020 | βΉ8.71 K Cr | β | βΉ3.02 K Cr | β | β | β | 26.7% | 53.0% |
| Mar 2019 | βΉ6.88 K Cr | β | βΉ1.97 K Cr | β | β | β | 9.7% | 10.9% |
| Mar 2018 | βΉ6.27 K Cr | β | βΉ1.78 K Cr | β | β | β | 9.1% | 50.7% |
| Mar 2017 | βΉ5.75 K Cr | β | βΉ1.18 K Cr | β | β | β | 17.9% | 45.7% |
| Mar 2016 | βΉ4.88 K Cr | β | βΉ810.00 Cr | β | β | β | 12.7% | 20.7% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 21,413 |
| Finance Costs | 7,959 |
| Total Expenses | 3,682 |
| Financing Profit | 9,773 |
| Financing Margin % | 46% |
| Other Income | 87 |
| Depreciation & Amortisation | 92 |
| Profit Before Tax | 9,768 |
| Tax % | - |
| Net Profit / PAT | 7,262 |
| EPS (βΉ) | 180.89 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| MUTHOOT FINANCE LIMITEDthis co. | βΉ1.58 L Cr | βΉ17.10 K Cr | 21.70 | 4.95 | 0.00 | 35.3% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |