Muthoot Finance Ltd

Muthoot Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Muthoot Finance Ltd

₹ 1,900 0.16%
21 Nov - close price
muthootfinance.com; www.muthootgroup.com BSE: 533398 NSE: MUTHOOTFIN
About

Muthoot Finance is NBFC engaged in the business of providing gold loans. The company predominately operates in Southern India[1]

Key Points

Muthoot Group & Primary Business[1]
1 Muthoot Finance Limited (Holding Co.): Gold Loans
2 Muthoot Homefin (India) Ltd.: Affordable Housing Finance
3 Belstar Microfinance Ltd.: Microfinance
4 Muthoot Money Ltd.: Vehicle Finance
5 Asia Asset Finance PLC : Listed Diversified NBFC in Sri Lanka
6 Muthoot Insurance Brokers Pvt. Ltd. : Insurance Broking
7 Muthoot Asset Management Private Ltd.
8 Muthoot Trustee Private Ltd.

Website BSE NSE
  • Market Cap ₹ 76,260 Cr.
  • Current Price ₹ 1,900
  • High / Low ₹ 2,079 / 1,262
  • Stock P/E 16.3
  • Book Value ₹ 663
  • Dividend Yield 1.26 %
  • ROCE 13.3 %
  • ROE 18.5 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter
  • Company has been maintaining a healthy dividend payout of 22.2%

Cons

  • Stock is trading at 2.87 times its book value

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of Nifty LargeMidcap 250 Nifty Midcap150 Quality 50 Nifty 200 Nifty Financial Services BSE Allcap

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 3,052 3,156 3,021 2,788 2,825 3,010 3,275 3,472 3,606 3,820 4,164 4,474 4,929
Interest 1,077 1,061 1,032 1,051 1,020 1,047 1,091 1,236 1,335 1,412 1,447 1,595 1,807
620 692 636 624 596 715 829 847 805 872 1,121 1,226 1,324
Financing Profit 1,355 1,403 1,353 1,113 1,208 1,248 1,355 1,389 1,467 1,536 1,596 1,653 1,798
Financing Margin % 44% 44% 45% 40% 43% 41% 41% 40% 41% 40% 38% 37% 36%
13 12 20 16 17 21 23 37 26 23 16 19 29
Depreciation 16 18 21 17 18 20 23 19 22 24 27 26 25
Profit before tax 1,352 1,397 1,352 1,112 1,207 1,249 1,355 1,407 1,470 1,534 1,585 1,646 1,802
Tax % 26% 25% 26% 26% 25% 25% 26% 26% 26% 25% 25% 27% 27%
1,003 1,044 1,006 825 902 934 1,009 1,045 1,095 1,145 1,182 1,196 1,321
EPS in Rs 24.97 25.91 24.84 20.41 22.22 23.11 24.25 25.46 26.39 27.49 28.37 28.99 31.67
Gross NPA %
Net NPA %
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 4,336 4,936 5,935 6,714 7,594 9,684 11,535 12,186 11,898 15,062 17,386
Interest 2,114 2,288 2,374 2,132 2,543 3,180 4,109 4,268 4,225 5,452 6,261
1,110 1,268 1,554 1,656 1,747 2,207 2,259 2,490 2,747 3,622 4,543
Financing Profit 1,112 1,381 2,007 2,927 3,305 4,298 5,167 5,428 4,926 5,988 6,583
Financing Margin % 26% 28% 34% 44% 44% 44% 45% 45% 41% 40% 38%
1 5 3 67 6 22 32 52 75 101 85
Depreciation 84 59 52 52 52 59 67 70 78 92 101
Profit before tax 1,029 1,327 1,959 2,942 3,260 4,260 5,131 5,410 4,923 5,996 6,567
Tax % 35% 38% 38% 37% 35% 26% 26% 25% 25% 26%
672 818 1,200 1,844 2,103 3,169 3,819 4,031 3,670 4,468 4,844
EPS in Rs 16.86 20.41 30.03 45.74 51.86 78.25 94.83 100.08 89.98 107.71 116.52
Dividend Payout % 36% 29% 20% 22% 23% 19% 21% 20% 24% 22%
Compounded Sales Growth
10 Years: %
5 Years: 15%
3 Years: 9%
TTM: 30%
Compounded Profit Growth
10 Years: %
5 Years: 16%
3 Years: 4%
TTM: 17%
Stock Price CAGR
10 Years: 26%
5 Years: 23%
3 Years: 8%
1 Year: 43%
Return on Equity
10 Years: %
5 Years: 22%
3 Years: 20%
Last Year: 18%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 398 399 399 400 401 401 401 401 401 401 401
Reserves 4,686 5,223 6,139 7,457 9,531 11,428 15,174 18,384 21,264 24,706 26,214
19,621 18,854 22,177 23,891 30,128 40,952 50,414 54,569 55,804 68,274 82,574
2,292 2,918 3,469 1,925 1,675 2,085 2,638 2,946 2,664 3,072 3,592
Total Liabilities 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 112,781
269 235 257 251 259 314 327 342 386 482 503
CWIP 7 11 10 6 23 29 39 52 67 89 101
Investments 20 49 97 177 211 630 809 523 546 712 1,381
26,700 27,100 31,820 33,237 41,241 53,894 67,453 75,382 79,135 95,170 110,796
Total Assets 26,996 27,395 32,184 33,672 41,734 54,867 68,627 76,300 80,134 96,453 112,781

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-479 108 -2,186 -1,432 -4,824 -4,970 -7,814 -1,596 -2,804 -13,754
21 -43 -177 -126 -162 -385 37 410 180 48
249 -1,102 3,027 824 6,351 9,193 9,712 3,445 395 11,958
Net Cash Flow -209 -1,036 664 -734 1,364 3,838 1,935 2,260 -2,229 -1,749

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 15% 20% 25% 23% 29% 28% 23% 18% 18%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
73.37% 73.37% 73.37% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35% 73.35%
13.67% 12.13% 10.96% 9.93% 10.00% 9.37% 8.70% 8.12% 8.34% 8.33% 8.68% 9.85%
8.48% 9.67% 10.48% 11.76% 12.02% 12.66% 13.73% 14.64% 14.61% 14.72% 14.55% 13.30%
4.48% 4.83% 5.20% 4.96% 4.62% 4.61% 4.21% 3.87% 3.72% 3.59% 3.41% 3.50%
No. of Shareholders 2,26,0442,42,2162,59,9112,91,6462,66,2172,72,1482,46,5972,17,2332,03,2841,94,9511,82,9902,98,304

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

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