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Muthoot Finance Limited (MUTHOOTFIN.NS)
INR3,057.40
-25.90 (-0.84%)
IN NSE Financial Services Financial - Credit Services
Address
Muthoot Chambers 682018
Kochi, IN
Kochi, IN
CEO
George Jacob Muthoot
Website
muthootfinance.com
IPO
2011-05-06
ISIN INE414G01012
Also trades on
Bombay Stock Exchange · MUTHOOTFIN.BO (INR)
National Stock Exchange of India · MUTHOOTFIN.NS (INR)
Description
Muthoot Finance Limited, an Indian financial institution, primarily specializes in providing loans secured by gold jewelry. These "gold loans" cater to both individual customers and microfinance entities for personal and business needs. Beyond its core gold lending activities, the company offers a diverse portfolio of financial products and services, including housing finance, sales of gold coins, money transfer facilities, and foreign exchange operations. It also provides investment opportunities through mutual funds and non-convertible debentures, alongside a comprehensive suite of insurance products covering health, home, vehicle, life, and travel. Furthermore, Muthoot Finance extends various other loan types, such as vehicle, corporate, and SME financing. Intriguingly, the company also generates electricity from windmills located in Tamil Nadu. As of March 31, 2022, its extensive operational network comprised approximately 4,617 branches spread across 23 states and 6 Union Territories. The company, which has its roots tracing back to 1887, is headquartered in Kochi, India.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR3,057.40
-25.90 (-0.84%)
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Volume Profile
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Liquidity & share structure
Average Volume
849.4K
Beta
0.48
Float Shares
107.00M
Free Float %
26.7%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -6.29% | -4.95% | -7.34% | -5.35% | -12.01% | -13.19% | +58.70% | +213.01% | +170.89% | +1,383.19% | +1,781.18% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
3,057.40
DCF (Unlevered)
17,779.41
+481.5%
Ratings Trend (MoM)
54% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 4 | +1 |
| Buy | 9 | 0 |
| Hold | 6 | +1 |
| Sell | 3 | +1 |
| Strong Sell | 2 | 0 |
Quality scores
Altman Z-Score
0.99
Distress
Piotroski F-Score
4 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth+34.3% Q1'26: +66.1% (vs Q1'25)
-
EPS growth+23.3% Q1'26: +126.7% (vs Q1'25)
-
FCF margin-177.3% Q1'26: -216.9% (vs Q1'25)
-
EBIT margin+35.9% Q1'26: +49.3% (vs Q1'25)
-
ROIC+4.4% Q1'26: +7.6% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA13.38× Q1'26: 8.19× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2012 actual |
Mar 2013 actual |
Mar 2014 actual |
Mar 2015 actual |
Mar 2016 actual |
Mar 2017 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 10 Rev. Ana. 15 EPS Ana. |
Mar 2027 12 Rev. Ana. 15 EPS Ana. |
Mar 2028 10 Rev. Ana. 13 EPS Ana. |
Mar 2029 5 Rev. Ana. 5 EPS Ana. |
Mar 2030 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
45.49B
est: 22.81B (+99.5%)
|
53.87B
est: 26.28B (+105.0%)
|
49.44B
est: 23.46B (+110.7%)
|
43.37B
est: 22.03B (+96.9%)
|
49.40B
est: 23.58B (+109.5%)
|
59.38B
est: 30.63B (+93.9%)
|
67.81B
est: 42.82B (+58.4%)
|
75.86B
est: 45.07B (+68.3%)
|
96.95B
est: 58.81B (+64.9%)
|
115.52B
est: 69.32B (+66.6%)
|
122.17B
est: 79.16B (+54.3%)
|
119.19B
est: 68.74B (+73.4%)
|
150.86B
est: 95.05B (+58.7%)
|
202.65B
est: 106.05B (+91.1%)
|
169.44B
169.24B – 169.64B
+59.8% YoY
|
203.31B
190.89B – 262.71B
+20.0% YoY
|
230.84B
209.79B – 307.39B
+13.5% YoY
|
243.75B
241.08B – 246.42B
+5.6% YoY
|
844.04B
779.10B – 1.11T
+246.3% YoY
|
| EBITDA |
13.64B
est: 9.52B (+43.4%)
|
15.57B
est: 15.72B (-0.9%)
|
12.41B
est: 13.81B (-10.1%)
|
11.13B
est: 12.01B (-7.3%)
|
13.85B
est: 11.79B (+17.5%)
|
20.11B
est: 18.07B (+11.2%)
|
29.94B
est: 27.83B (+7.6%)
|
33.11B
est: 31.81B (+4.1%)
|
43.20B
est: 45.41B (-4.9%)
|
51.99B
est: 46.24B (+12.4%)
|
54.80B
est: 50.07B (+9.4%)
|
50.01B
est: 56.17B (-11.0%)
|
60.89B
est: 39.88B (+52.7%)
|
73.82B
est: 44.29B (+66.7%)
|
71.10B
71.01B – 71.18B
+60.5% YoY
|
85.31B
80.10B – 110.23B
+20.0% YoY
|
96.86B
88.02B – 128.98B
+13.5% YoY
|
102.27B
101.15B – 103.39B
+5.6% YoY
|
354.15B
326.90B – 464.99B
+246.3% YoY
|
| EBIT |
13.31B
est: 9.38B (+41.9%)
|
15.11B
est: 15.20B (-0.5%)
|
11.94B
est: 13.16B (-9.3%)
|
10.29B
est: 11.18B (-8.0%)
|
13.27B
est: 10.77B (+23.2%)
|
19.59B
est: 16.89B (+16.0%)
|
29.42B
est: 26.52B (+11.0%)
|
32.60B
est: 30.68B (+6.3%)
|
42.60B
est: 44.97B (-5.3%)
|
51.31B
est: 45.82B (+12.0%)
|
54.10B
est: 49.61B (+9.1%)
|
49.23B
est: 55.66B (-11.6%)
|
59.97B
est: 39.34B (+52.4%)
|
72.66B
est: 43.69B (+66.3%)
|
70.13B
70.05B – 70.21B
+60.5% YoY
|
84.15B
79.01B – 108.73B
+20.0% YoY
|
95.54B
86.83B – 127.22B
+13.5% YoY
|
100.88B
99.78B – 101.99B
+5.6% YoY
|
349.34B
322.46B – 458.67B
+246.3% YoY
|
| Net Income |
8.92B
est: 9.75B (-8.5%)
|
10.04B
est: 10.28B (-2.3%)
|
7.80B
est: 8.91B (-12.4%)
|
6.71B
est: 7.43B (-9.7%)
|
8.15B
est: 7.11B (+14.6%)
|
12.00B
est: 10.53B (+13.9%)
|
18.30B
est: 16.47B (+11.1%)
|
20.78B
est: 19.53B (+6.4%)
|
31.38B
est: 28.71B (+9.3%)
|
38.04B
est: 33.85B (+12.4%)
|
40.17B
est: 36.65B (+9.6%)
|
36.12B
est: 38.15B (-5.3%)
|
43.24B
est: 44.66B (-3.2%)
|
53.33B
est: 61.85B (-13.8%)
|
95.73B
94.15B – 97.30B
+54.8% YoY
|
112.39B
106.11B – 133.45B
+17.4% YoY
|
124.47B
116.02B – 152.03B
+10.7% YoY
|
139.13B
123.94B – 274.22B
+11.8% YoY
|
161.59B
145.43B – 227.34B
+16.1% YoY
|
| SGA |
1.43B
est: 494.58M (+189.7%)
|
1.28B
est: 8.91B (-85.7%)
|
1.50B
est: 8.17B (-81.6%)
|
1.24B
est: 10.09B (-87.7%)
|
1.13B
est: 11.58B (-90.3%)
|
1.13B
est: 14.40B (-92.1%)
|
1.49B
est: 17.54B (-91.5%)
|
2.19B
est: 14.69B (-85.1%)
|
2.48B
est: 22.99B (-89.2%)
|
2.33B
est: 21.28B (-89.1%)
|
1.82B
est: 23.05B (-92.1%)
|
2.60B
est: 25.85B (-89.9%)
|
3.91B
est: 1.68B (+132.7%)
|
5.21B
est: 1.86B (+179.7%)
|
2.99B
2.99B – 3.00B
+60.5% YoY
|
3.59B
3.37B – 4.64B
+20.0% YoY
|
4.08B
3.70B – 5.43B
+13.5% YoY
|
4.30B
4.26B – 4.35B
+5.6% YoY
|
14.91B
13.76B – 19.57B
+246.3% YoY
|
| EPS |
24.29
est: 24.29 (+0.0%)
|
27.02
est: 29.02 (-6.9%)
|
20.99
est: 22.20 (-5.5%)
|
16.98
est: 16.95 (+0.2%)
|
20.46
est: 18.60 (+10.0%)
|
30.06
est: 28.95 (+3.8%)
|
45.79
est: 43.20 (+6.0%)
|
51.92
est: 48.11 (+7.9%)
|
78.30
est: 73.90 (+6.0%)
|
94.84
est: 92.46 (+2.6%)
|
100.10
est: 100.93 (-0.8%)
|
89.99
est: 87.89 (+2.4%)
|
107.72
est: 111.25 (-3.2%)
|
132.84
est: 127.70 (+4.0%)
|
239.46
234.52 – 242.37
+87.5% YoY
|
288.18
264.32 – 332.41
+20.3% YoY
|
323.31
288.98 – 378.69
+12.2% YoY
|
410.21
308.73 – 683.05
+26.9% YoY
|
402.50
362.24 – 566.26
-1.9% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-14 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-13 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-12 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-11 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-08 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-15 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-13 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-10 | B | 3/5 | 3/5 | 5/5 | 5/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-199.41B
OE per share TTM
-496.65
Owner's Yield
-15.00%
Maintenance CapEx ratio
0.62%
Maint CapEx / Avg PPE
2.9%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
5.06M
Shares Outstanding
401.47M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Alexander George Muthoot | Joint MD & Whole Time Director | 270M | male |
| George Alexander Muthoot | MD & Whole Time Director | 270M | male |
| George Muthoot Jacob | Group Chairman of the Board & Whole-time Director | 270M | male |
| George Thomas Muthoot | Joint MD & Whole Time Director | 270M | male |
| George Muthoot Alexander Jr. | Deputy MD & Whole Time Director | 26M | male |
| George Muthoot George | Deputy MD & Whole Time Director | 26M | male |
| Manoj Jacob | General Manager of Accounts & Taxation | — | male |
| Oommen K. Mammen | Chief Financial Officer | — | male |
| Kuttikattu Rajappan Bijimon | Chief Operating Officer & Executive Director | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for MUTHOOTFIN.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
