MUTHOOT FINANCE LIMITED
₹2,409.50-₹89.50 (-3.6%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹1,57,661 Cr
- P/E
- 21.7x
- Revenue
- ₹17,099 Cr
- ROCE
- 22.6%
Price chart
Technical chartScreen technicals →-24.5% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -12.2%
- 3M
- -19.9%
- 6M
- -29.6%
- 1Y
- -24.5%
- 5Y
- +57.5%
52-week range
Day change -₹89.50 (-3.6%) from ₹2,499 to ₹2,410 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in MUTHOOTFIN, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Healthy return on equity of 18.3%
Concerns1
- Negative free cash flow (₹27799 Cr)
Rule-based from financial data. Not advice.
About the company
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.
Read moreShow less
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.
- Sector
- Financial Services
- Shares outstanding
- 40.2 Cr shares
- ISIN
- INE414G01012
- BSE code
- 533398
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹1,57,661 Cr
- P/E
- 21.7x
- P/B
- 5.0x
- Earnings yield
- 4.6%
- 52-week high
- ₹4,094.10
- 52-week low
- ₹2,366.00
Profitability
- ROE
- 18.3%
- ROCE
- 22.6%
- Dividend payout
- 24.0%
- Tax rate
- 26.0%
- Other income, % of PBT
- 1.1%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹17,099 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 35.3%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 7.7%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹59.0 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 103.4%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 28.4%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 6.1%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹9,302 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 389.1%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹2,134 Cr
Solvency and efficiency
- CFO / Net profit
- -2.30
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹30 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹6,466 Cr |
| Revenue | Expenses | ₹3,542 Cr |
| Revenue | Financing profit | ₹7,091 Cr |
| Financing profit | Depreciation | ₹77 Cr |
| Financing profit | Profit before tax | ₹7,014 Cr |
| Other income | Profit before tax | ₹57 Cr |
| Profit before tax | Tax and other | ₹1,870 Cr |
| Profit before tax | Net profit | ₹5,201 Cr |
Revenue and net profit
Revenue grew 35.3% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹10,557 Cr | ₹3,722 Cr |
| FY2022 | ₹11,082 Cr | ₹3,954 Cr |
| FY2023 | ₹10,515 Cr | ₹3,474 Cr |
| FY2024 | ₹12,635 Cr | ₹4,050 Cr |
| FY2025 | ₹17,099 Cr | ₹5,201 Cr |
Cash flows
FY2025: -₹25,855 Cr from operations, -₹27,799 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹7,477 Cr | -₹7,429 Cr |
| FY2022 | -₹1,142 Cr | -₹734 Cr |
| FY2023 | -₹1,902 Cr | -₹1,714 Cr |
| FY2024 | -₹9,302 Cr | -₹10,041 Cr |
| FY2025 | -₹25,855 Cr | -₹27,799 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹17,099 Cr+35.3%1Y
- Net profit
- ₹5,201 Cr+28.4%1Y
- Cash from operations
- -₹25,855 Cr
- Free cash flow
- -₹27,799 Cr
- Revenue CAGR, 5Y
- 7.7%
- EBITDA CAGR, 5Y
- 49.1%
- Net profit CAGR, 5Y
- 6.1%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹17,099 Cr | ₹7,091 Cr | — | ₹5,201 Cr | -₹25,855 Cr | -₹27,799 Cr | — | +35.3% | +28.4% |
Monthly returns
Month-by-month returns of MUTHOOTFIN across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹1.2 L Cr |
| Equity capital | ₹401 Cr |
| Reserves | ₹28,036 Cr |
| Borrowings | ₹89,820 Cr |
| Other liabilities | ₹2,991 Cr |
| Assets | ₹1.2 L Cr |
| Fixed assets | ₹480 Cr |
| Capital work in progress | ₹13 Cr |
| Investments | ₹4,499 Cr |
| Other assets | ₹1.2 L Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
MUTHOOTFIN trades at 21.7x earnings against a peer median of 26.9x (a 19% discount).
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| MUTHOOT FINANCE LIMITEDMUTHOOTFINthis companyP/E ↓ discount | ₹1.6 L Cr | 21.7x | 5.0x | 18.3% | — |
| Jio Financial Services LimitedJIOFIN | ₹1.8 L Cr | 258.0x | 6.2x | 2.2% | 330.6x |
| HDFC LIFE INSURANCE COMPANY LIMITEDHDFCLIFE | ₹1.6 L Cr | 85.7x | 9.5x | 11.2% | 153.1x |
| Indian Railway Finance CorporationIRFC | ₹1.6 L Cr | 23.2x | 2.8x | 12.3% | 17.9x |
| Bank Of BarodaBANKBARODA | ₹1.6 L Cr | 8.1x | 1.1x | 14.3% | — |
| Tata Capital LimitedTATACAP | ₹1.5 L Cr | 58.3x | — | 9.2% | — |
| Cholamandalam Investment and Finance Company LtdCHOLAFIN | ₹1.4 L Cr | 30.9x | 5.5x | 18.0% | — |
| Punjab National BankPNB | ₹1.4 L Cr | 9.1x | 1.1x | 13.1% | — |
| Canara BankCANBK | ₹1.4 L Cr | 7.3x | 1.3x | 17.0% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
MUTHOOTFIN since 1 January, against earlier years.
Historical volatility
MUTHOOTFIN's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 48.0% |
| FY2022 | 48.0% |
| FY2023 | 45.0% |
| FY2024 | 43.0% |
| FY2025 | 41.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹17,099 Cr |
| Costs | |
| Interest | ₹6,466 Cr |
| Expenses | ₹3,543 Cr |
| Financing profitFinancing Profit | ₹7,091 Cr |
| Financing marginFinancing Margin % | 41.0% |
| Other income and charges | |
| Profit before tax | ₹7,071 Cr |
| Tax | |
| Net profitNet Profit | ₹5,201 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹1.2 L Cr |
| Equity capitalEquity Capital | ₹401 Cr |
| Reserves | ₹28,036 Cr |
| BorrowingsBorrowing | ₹89,820 Cr |
| Other liabilitiesOther Liabilities | ₹2,991 Cr |
| AssetsTotal Assets | ₹1.2 L Cr |
| Fixed assetsFixed Assets | ₹480 Cr |
| Capital work in progressCWIP | ₹13 Cr |
| Investments | ₹4,499 Cr |
| Other assetsOther Assets | ₹1.2 L Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹25,855 Cr |
| Investing cash flowCash from Investing Activity | -₹1,944 Cr |
| Financing cash flowCash from Financing Activity | ₹29,933 Cr |
| Change in cashNet Cash Flow | ₹2,134 Cr |
Learn while you research
Academy chapters picked for MUTHOOT FINANCE LIMITED and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing35% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read