Muthoot Finance Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Excellent return on equity (ROE 30.9%)
- Efficient capital deployment (ROCE 15.8%)
- Attractively valued vs sector (P/E 8.4x vs industry 33.1x)
- Near 52-week low — potential value zone (₹2,332)
Concerns
Today's Price Action
The stock closed at ₹2392.7, unchanged from the previous session. Trading volume matched the 20‑day average at 1,89,193 shares, indicating typical participation levels. The intraday range spanned ₹2375 to ₹2410, showing modest volatility around the flat close.
Valuation Snapshot
The trailing P/E stands at 8.38, while the broader financial services sector shows a zero P/E, reflecting a lack of comparable earnings data. A return on equity of 30.9% underscores strong profitability relative to its capital base. The P/B ratio of 0 suggests that the market price is considerably lower than the book value per share, a characteristic sometimes observed in heavily asset‑backed lenders.
Key Levels to Watch
The current price sits just above the lower 52‑week range of ₹2332, leaving limited downside cushion before testing that support. Meanwhile, open‑interest clusters around the ₹2400–₹2450 band have historically acted as modest resistance zones. The previous day’s close at ₹2392.7 also aligns with the same level, reinforcing the relevance of this zone.
Chart Pattern
On the daily chart, an Evening Star cand
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹685 | ₹10.7L Cr | 13.3 | 1.75 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,378 | ₹10.0L Cr | 17 | 2.55 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹957 | ₹8.8L Cr | 10.5 | 1.42 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹917 | ₹5.8L Cr | 26.4 | 4.63 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹391 | ₹4.8L Cr | 8.03 | 2.8 | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹440 | ₹4.3L Cr | 20.2 | 2.24 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,220 | ₹3.8L Cr | 12.7 | 1.65 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
MUTHOOTFIN · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 73.35% | 73.35% | 73.35% | 73.35% | 73.35% | 73.35% |
| FII | 8.34% | 8.33% | 8.68% | 9.85% | 10.26% | 11.02% |
| DII | 14.61% | 14.72% | 14.55% | 13.30% | 12.99% | 11.75% |
| Public | 3.72% | 3.59% | 3.41% | 3.50% | 3.38% | 3.87% |
Corporate Events
To consider and approve the unaudited financial results for the period ended September 30, 2026
To consider and approve the unaudited financial results for the period ended Jun 30, 2026
To consider and approve the audited financial results for the period ended March 31, 2026
Interim Dividend - Rs 30 Per Share
Interim Dividend - Rs 26 Per Share
Annual General Meeting
Interim Dividend - Rs 24 Per Share
Record: 31 May 2024
Annual General Meeting
Latest News
All newsMuthoot Microfin receives credit rating update
Muthoot Microfin Limited has received a credit rating update as per a recent NSE filing. The rating reflects the company's current creditworthiness and financial stability. No immediate changes in operations or strategy were indicated. 📊 *STOCKS:* MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CreditRating
Muthoot Microfin gets Positive Outlook from CareEdge
*Muthoot Microfin gets Positive Outlook from CareEdge* due to stronger asset quality and operating performance. CareEdge reaffirmed its **BB-** rating, citing consistent financials and improved collection efficiency. The upgrade in outlook may boost investor sentiment and lower borrowing costs. 📊 *STOCKS:* $MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Rating
Muthoot Microfin to expand loan portfolio in Q4
*Muthoot Microfin to expand loan portfolio in Q4* with a focus on rural markets. Management highlighted a **12% YoY growth** in AUM during the investor call. Asset quality remains stable with GNPA at **2.1%**. 📊 *STOCKS:* MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Microfinance
Muthoot Microfin issues general corporate updates
*Muthoot Microfin issues general corporate updates.* No specific financial or operational details were disclosed. The filing does not indicate any major strategic shift or material event. 📊 *STOCKS:* MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Corporate
Muthoot FinCorp launches ₹700 crore NCD issue
*Muthoot FinCorp launches ₹700 crore NCD issue.* The non-convertible debenture (NCD) offering aims to raise **₹700 crore** for general corporate purposes. Interest will be paid quarterly with tenures ranging from 36 to 60 months. Retail investors can participate with a minimum investment of ₹10,000. 📊 *STOCKS:* $MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Funding
Muthoot FinCorp issues ₹700 crore NCD for investors
*Muthoot FinCorp issues ₹700 crore NCD for investors* – Muthoot FinCorp has launched a non-convertible debenture (NCD) issue worth **₹700 crore** to raise funds. The base issue size is **₹500 crore**, with an option to retain additional subscriptions. Retail investors can participate with a minimum investment of **₹10,000**. The NCDs are rated CARE+ by CARE Ratings. 📊 *STOCKS:* MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #NCD
Muthoot Microfin discusses strategy in analyst call
*Muthoot Microfin discusses strategy in analyst call*. The company provided updates during its recent analyst and institutional investor meet. Key focus areas included portfolio quality, disbursement targets, and **asset growth** guidance. No major financial revisions or surprises were announced. 📊 *STOCKS:* $MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AnalystCall
Muthoot Finance issues general corporate updates
*Muthoot Finance issues general corporate updates.* No specific financial figures or strategic changes disclosed. The filing lacks details on earnings, management shifts, or major transactions. Traders may view this as routine disclosure. 📊 *STOCKS:* MUTHOOTFINANCE | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Corporate
Muthoot Finance publishes mandatory newspaper notice
*Muthoot Finance publishes mandatory newspaper notice.* This is a routine corporate disclosure as required under regulatory norms. No financial or operational impact is expected. Such filings are standard practice for listed entities. 📊 *STOCKS:* $MUTHOOTFIN | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CorporateFiling
Gold loans surge 94% YoY, boost bank credit growth
*Gold loans surge 94% YoY, boost bank游戏副本 credit growth*. The sharp rise in gold loan demand significantly contributed to overall bank credit expansion in Q1. Lenders like Muthoot Finance and Manappuram, key players in the space, likely benefited from increased disbursements. This reflects rising retail borrowing appetite amid inflationary pressures. 📊 *STOCKS:* | 🏢 *SECTOR:* Banking | #MEDIUMIMPACT #GoldLoans
Financials
Quarterly Results
| Metric | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹2.8K Cr 17.0% | ₹2.4K Cr 22.2% | ₹2.0K Cr 36.7% | ₹1.4K Cr 3.7% | ₹1.4K Cr 5.4% | ₹1.3K Cr 10.5% | ₹1.2K Cr 1.2% | ₹1.2K Cr |
| EPS (₹) | 69.84 15.8% | 60.29 20.1% | 50.22 36.4% | 36.81 6.4% | 34.6 9.3% | 31.67 9.2% | 28.99 2.2% | 28.37 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Expenses | ₹5.8K Cr 6.4% | ₹5.4K Cr 49.7% | ₹3.6K Cr 31.9% | ₹2.7K Cr 10.3% | ₹2.5K Cr 10.2% | ₹2.3K Cr 2.4% | ₹2.2K Cr 26.3% | ₹1.7K Cr 5.5% | ₹1.7K Cr 6.6% | ₹1.6K Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹54 Cr 5.9% | ₹51 Cr 49.5% | ₹101 Cr 34.7% | ₹75 Cr 44.2% | ₹52 Cr 62.5% | ₹32 Cr 45.5% | ₹22 Cr 266.7% | ₹6 Cr 91.0% | ₹67 Cr 2133.3% | ₹3 Cr |
| Interest | ₹11.1K Cr 48.2% | ₹7.5K Cr 36.8% | ₹5.5K Cr 29.0% | ₹4.2K Cr 1.0% | ₹4.3K Cr 3.9% | ₹4.1K Cr 29.2% | ₹3.2K Cr 25.0% | ₹2.5K Cr 19.3% | ₹2.1K Cr 10.2% | ₹2.4K Cr |
| Depreciation | ₹137 Cr 18.1% | ₹116 Cr 26.1% | ₹92 Cr 17.9% | ₹78 Cr 11.4% | ₹70 Cr 4.5% | ₹67 Cr 13.6% | ₹59 Cr 13.5% | ₹52 Cr 0.0% | ₹52 Cr 0.0% | ₹52 Cr |
| PBT | ₹14.3K Cr 96.9% | ₹7.3K Cr 21.2% | ₹6.0K Cr 21.8% | ₹4.9K Cr 9.0% | ₹5.4K Cr 5.4% | ₹5.1K Cr 20.4% | ₹4.3K Cr 30.7% | ₹3.3K Cr 10.8% | ₹2.9K Cr 50.2% | ₹2.0K Cr |
| Tax % | 26.0% 0.0% | 26.0% 0.0% | 26.0% 4.0% | 25.0% 0.0% | 25.0% 3.8% | 26.0% 0.0% | 26.0% 25.7% | 35.0% 5.4% | 37.0% 2.6% | 38.0% |
| Net Profit | ₹10.6K Cr 98.2% | ₹5.4K Cr 19.8% | ₹4.5K Cr 21.7% | ₹3.7K Cr 9.0% | ₹4.0K Cr 5.6% | ₹3.8K Cr 20.5% | ₹3.2K Cr 50.7% | ₹2.1K Cr 14.0% | ₹1.8K Cr 53.7% | ₹1.2K Cr |
| EPS (₹) | 263.79 98.6% | 132.84 23.3% | 107.71 19.7% | 89.98 10.1% | 100.08 5.5% | 94.83 21.2% | 78.25 50.9% | 51.86 13.4% | 45.74 52.3% | 30.03 |
| Div Payout | 11.0% 45.0% | 20.0% 9.1% | 22.0% 8.3% | 24.0% 20.0% | 20.0% 4.8% | 21.0% 10.5% | 19.0% 17.4% | 23.0% 4.5% | 22.0% 10.0% | 20.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Sep 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
Liabilities | ||||||||||
| Equity Capital | ₹401 Cr 0.0% | ₹401 Cr 0.0% | ₹401 Cr 0.0% | ₹401 Cr 0.0% | ₹401 Cr 0.0% | ₹401 Cr 0.0% | ₹401 Cr 0.0% | ₹401 Cr 0.3% | ₹400 Cr 0.3% | ₹399 Cr |
| Reserves | ₹32.4K Cr 11.9% | ₹29.0K Cr 17.2% | ₹24.7K Cr 16.2% | ₹21.3K Cr 15.7% | ₹18.4K Cr 21.2% | ₹15.2K Cr 32.8% | ₹11.4K Cr 19.9% | ₹9.5K Cr 27.8% | ₹7.5K Cr 21.5% | ₹6.1K Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹4.6K Cr 12.8% | ₹4.1K Cr 26.8% | ₹3.2K Cr 20.9% | ₹2.7K Cr 9.6% | ₹2.9K Cr 11.7% | ₹2.6K Cr 26.5% | ₹2.1K Cr 24.5% | ₹1.7K Cr 13.0% | ₹1.9K Cr 44.5% | ₹3.5K Cr |
| Total Liabilities | ₹1.6L Cr 21.0% | ₹1.3L Cr 37.7% | ₹96.5K Cr 20.4% | ₹80.1K Cr 5.0% | ₹76.3K Cr 11.2% | ₹68.6K Cr 25.1% | ₹54.9K Cr 31.5% | ₹41.7K Cr 23.9% | ₹33.7K Cr 4.6% | ₹32.2K Cr |
Assets | ||||||||||
| Fixed Assets | ₹671 Cr 1.6% | ₹682 Cr 41.5% | ₹482 Cr 24.9% | ₹386 Cr 12.9% | ₹342 Cr 4.6% | ₹327 Cr 4.1% | ₹314 Cr 21.2% | ₹259 Cr 3.2% | ₹251 Cr 2.3% | ₹257 Cr |
| CWIP | ₹10 Cr 23.1% | ₹13 Cr 85.4% | ₹89 Cr 32.8% | ₹67 Cr 28.8% | ₹52 Cr 33.3% | ₹39 Cr 34.5% | ₹29 Cr 26.1% | ₹23 Cr 283.3% | ₹6 Cr 40.0% | ₹10 Cr |
| Investments | ₹5.2K Cr 117.1% | ₹2.4K Cr 237.2% | ₹712 Cr 30.4% | ₹546 Cr 4.4% | ₹523 Cr 35.4% | ₹809 Cr 28.4% | ₹630 Cr 198.6% | ₹211 Cr 19.2% | ₹177 Cr 82.5% | ₹97 Cr |
| Other Assets | ₹1.5L Cr 19.4% | ₹1.3L Cr 36.3% | ₹95.2K Cr 20.3% | ₹79.1K Cr 5.0% | ₹75.4K Cr 11.8% | ₹67.5K Cr 25.2% | ₹53.9K Cr 30.7% | ₹41.2K Cr 24.1% | ₹33.2K Cr 4.5% | ₹31.8K Cr |
| Total Assets | ₹1.6L Cr 21.0% | ₹1.3L Cr 37.7% | ₹96.5K Cr 20.4% | ₹80.1K Cr 5.0% | ₹76.3K Cr 11.2% | ₹68.6K Cr 25.1% | ₹54.9K Cr 31.5% | ₹41.7K Cr 23.9% | ₹33.7K Cr 4.6% | ₹32.2K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-26.5K Cr 95.0% | ₹-13.6K Cr 385.2% | ₹-2.8K Cr 75.7% | ₹-1.6K Cr 79.6% | ₹-7.8K Cr 57.2% | ₹-5.0K Cr 3.0% | ₹-4.8K Cr 236.9% | ₹-1.4K Cr 34.5% | ₹-2.2K Cr 2124.1% | ₹108 Cr |
| Investing CF | ₹-1.4K Cr 2964.6% | ₹48 Cr 73.3% | ₹180 Cr 56.1% | ₹410 Cr 1008.1% | ₹37 Cr 109.6% | ₹-385 Cr 137.7% | ₹-162 Cr 28.6% | ₹-126 Cr 28.8% | ₹-177 Cr 311.6% | ₹-43 Cr |
| Financing CF | ₹30.0K Cr 154.4% | ₹11.8K Cr 2889.6% | ₹395 Cr 88.5% | ₹3.4K Cr 64.5% | ₹9.7K Cr 5.6% | ₹9.2K Cr 44.7% | ₹6.4K Cr 670.8% | ₹824 Cr 72.8% | ₹3.0K Cr 374.7% | ₹-1.1K Cr |
| Net Cash Flow | ₹2.1K Cr 222.5% | ₹-1.7K Cr 21.5% | ₹-2.2K Cr 198.6% | ₹2.3K Cr 16.8% | ₹1.9K Cr 49.6% | ₹3.8K Cr 181.4% | ₹1.4K Cr 285.8% | ₹-734 Cr 210.5% | ₹664 Cr 164.1% | ₹-1.0K Cr |
| Free Cash Flow | ₹-26.7K Cr 93.4% | ₹-13.8K Cr 369.6% | ₹-2.9K Cr 74.1% | ₹-1.7K Cr 78.6% | ₹-7.9K Cr 56.1% | ₹-5.1K Cr 3.3% | ₹-4.9K Cr 234.1% | ₹-1.5K Cr 34.5% | ₹-2.2K Cr 2900.0% | ₹80 Cr |
Values in ₹ Cr · Source: Screener.in
Deep Dive Analysis
About Muthoot Finance Limited
Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]
Financial ServicesFinance