MUTHOOTFIN
OVERVALUEDMuthoot Finance
Finance · NSE
↓ 107.3% vs fair value
52W Low
₹2,027
+62.1% from low
52W High
₹4,150
-20.8% from high
Valuation Gauge
Current Price
₹3,285
Fair Value
₹1,584
Fair Value Analysis
₹1,584
Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 5.7%) — returns on capital are falling; verify this isn't a value trap.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Financially Healthy
Profitability
ROE of 30.4% is above the Finance sector benchmark of 18% — strong returns
Debt & Leverage
D/E ratio of 3.8x is well within the Finance sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 15.2x trades at a 77% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-26,742 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 9.9% is well below Finance sector average of 23.9%
Dividend
Dividend yield of 0.9% provides moderate shareholder returns
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
FCF Yield
-20.9%
Free cash flow / market cap
Revenue Growth (YoY)
+57.8%
Year-on-year revenue change
Profit Growth (YoY)
+102.8%
Year-on-year PAT change
Operating Cash Flow
₹-26.5K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹217.2
P/E Ratio
15.2x
P/B Ratio
4.1x
ROE
30.4%
ROCE
—
Debt / Equity
3.8x
Beta
0.54
Div Yield
0.9%
FCF (Cr)
₹-26,742 Cr
Revenue (Cr)
₹12,853 Cr
EPS Growth 5Y
9.9%
Mkt Cap (Cr)
₹1,32,942 Cr
52W High
₹4,149.5
52W Low
₹2,027
Book Value/Share
₹811.9
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| TTM | ₹27.5K Cr | ₹11.6K Cr | 42.0% | ₹8.7K Cr | ₹217.16 |
| 2025-03-31 | ₹20.2K Cr | ₹7.3K Cr | 36.0% | ₹5.4K Cr | ₹132.84 |
| 2024-03-31 | ₹15.1K Cr | ₹6.0K Cr | 40.0% | ₹4.5K Cr | ₹107.71 |
| 2023-03-31 | ₹11.9K Cr | ₹4.9K Cr | 41.0% | ₹3.7K Cr | ₹89.98 |
| 2022-03-31 | ₹12.2K Cr | ₹5.4K Cr | 45.0% | ₹4.0K Cr | ₹100.08 |
| 2021-03-31 | ₹11.5K Cr | ₹5.2K Cr | 45.0% | ₹3.8K Cr | ₹94.83 |
| 2020-03-31 | ₹9.7K Cr | ₹4.3K Cr | 44.0% | ₹3.2K Cr | ₹78.25 |
| 2019-03-31 | ₹7.6K Cr | ₹3.3K Cr | 44.0% | ₹2.1K Cr | ₹51.86 |
| 2018-03-31 | ₹6.7K Cr | ₹2.9K Cr | 44.0% | ₹1.8K Cr | ₹45.74 |
| 2017-03-31 | ₹5.9K Cr | ₹2.0K Cr | 34.0% | ₹1.2K Cr | ₹30.03 |
| 2016-03-31 | ₹4.9K Cr | ₹1.4K Cr | 28.0% | ₹818 Cr | ₹20.41 |
| 2015-03-31 | ₹4.3K Cr | ₹1.1K Cr | 26.0% | ₹672 Cr | ₹16.86 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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