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Muthoot Capital Services Ltd. (MUTHOOTCAP) AI Stock Analysis
Muthoot Capital Services Ltd.
(NSE:MUTHOOTCAP)
Muthoot Capital Services achieves a moderate score of 59. The most significant positive driver is the stock's strong technical momentum, supported by solid top-line revenue growth. However, this is heavily offset by pressing fundamental risks, notably a steep deterioration in net profit margins, soaring leverage, and persistent negative operating cash flows. The current fair valuation does not offer enough of a margin of safety against these significant profitability and liquidity concerns.
Muthoot Capital Services Ltd. (MUTHOOTCAP) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 3.10B
- Dividend Yield
- ―
- Average Volume (3M)
- 1,348
- Price to Earnings (P/E)
- 12.9
- Beta (1Y)
- 1.55
- Revenue Growth
- 23.27%
- EPS Growth
- -20.85%
- Country
- India
- Employees
- 2,531
- Sector
- General
- Sector Strength
- 55
- Industry
- Financial - Credit Services
Muthoot Capital Services Ltd. Business Overview & Revenue Model
Company Description
Muthoot Capital Services Limited (MCSL) is a non-banking finance company (NBFC) that offers a broad spectrum of financial services, encompassing both funding and non-funding solutions. Its product portfolio includes various loan types, such as those...
How the Company Makes Money
Muthoot Capital Services makes money primarily by operating as a lending institution. Its core revenue stream is interest income earned on loans it disburses (predominantly retail vehicle loans), calculated as the spread between the interest it charg...
Muthoot Capital Services Ltd. Financial Statement Overview
Summary
Despite robust revenue growth and equity expansion, financial performance is significantly hindered by severe margin contraction, aggressive debt accumulation leading to high leverage, and chronic negative free cash flows.
Income Statement
52NeutralBalance Sheet
54NeutralCash Flow
38Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 6.44B | 6.32B | 4.63B | 3.79B | 4.30B | 3.97B |
| Gross Profit | 3.14B | 3.03B | 2.52B | 1.73B | 2.09B | 1.88B |
| EBITDA | 677.68M | 229.34M | 1.86B | 2.37B | 1.69B | -1.64B |
| Net Income | 239.65M | 111.73M | 457.46M | 1.23B | 786.79M | -1.62B |
Balance Sheet | ||||||
| Total Assets | 0 | 40.56B | 35.85B | 23.14B | 24.35B | 20.99B |
| Cash, Cash Equivalents and Short-Term Investments | 0 | 5.23B | 4.00B | 3.21B | 5.50B | 3.34B |
| Total Debt | 0 | 32.32B | 28.12B | 16.27B | 18.54B | 15.65B |
| Total Liabilities | -6.70B | 33.85B | 29.26B | 17.02B | 19.46B | 16.87B |
| Stockholders Equity | 6.70B | 6.70B | 6.58B | 6.12B | 4.89B | 4.11B |
Cash Flow | ||||||
| Free Cash Flow | -2.46B | -144.34M | -11.02B | -118.70M | -470.00M | 731.70M |
| Operating Cash Flow | -2.46B | -36.78M | -10.97B | -70.90M | -464.12M | 732.90M |
| Investing Cash Flow | -63.99M | -3.40B | -74.52M | -630.82M | -165.99M | -93.90M |
| Financing Cash Flow | 1.36B | 4.67B | 12.20B | -2.51B | 2.72B | -3.11B |
Muthoot Capital Services Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MUTHOOTCAP, the sentiment is Negative. The current price of 189.85 is below the 20-day moving average (MA) of 203.93, below the 50-day MA of 223.46, and below the 200-day MA of 219.48, indicating a bearish trend. The MACD of -10.57 indicates Positive momentum. The RSI at 34.28 is Neutral, neither overbought nor oversold. The STOCH value of 16.60 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MUTHOOTCAP.
Muthoot Capital Services Ltd. Peers Comparison
Overall Rating
IN:IIFL62Neutral- IN:MUTHOOTCAP59Neutral
IN:MANAPPURAM56Neutral
IN:MUTHOOTFIN52Neutral
IN:INDOSTAR48Neutral
IN:MUTHOOTMF40Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:IIFL | 62Neutral | INR 225.36B | 9.01 | ― | 0.76% | 36.50% | 190.08% |
| IN:MUTHOOTCAP | 59Neutral | INR 3.12B | 12.93 | ― | ― | 23.27% | -20.85% |
| IN:MANAPPURAM | 56Neutral | INR 271.47B | 17.58 | ― | 0.87% | 4.91% | 73.95% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:MUTHOOTFIN | 52Neutral | INR 967.34B | 8.50 | ― | 1.24% | 50.37% | 84.79% |
| IN:INDOSTAR | 48Neutral | INR 29.63B | -7.57 | ― | ― | -1.90% | -151.41% |
| IN:MUTHOOTMF | 40Underperform | INR 23.02B | 22.78 | ― | ― | 5.19% | ― |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:MUTHOOTCAP | Muthoot Capital Services Ltd. | 189.85 | -92.10 | -32.67% | |
| IN:IIFL | IIFL Finance Limited | 528.00 | -8.23 | -1.54% | |
| IN:INDOSTAR | IndoStar Capital Finance Limited | 183.30 | -73.75 | -28.69% | |
| IN:MANAPPURAM | Manappuram Finance Limited | 289.00 | 23.23 | 8.74% | |
| IN:MUTHOOTFIN | Muthoot Finance Ltd | 2409.50 | -753.90 | -23.83% | |
| IN:MUTHOOTMF | Muthoot Microfin Ltd | 135.00 | -37.00 | -21.51% |
Muthoot Capital Services Ltd. Corporate Events
Muthoot Capital Services Discloses Resignation of Chief Risk Officer
Muthoot Capital Services Ltd. has announced that Chief Risk Officer Mrs. Umadevi Pazhoor Unnikrishnan has resigned, effective at the close of business on October 14, 2026. The company has attributed her departure to personal reasons, signaling a lead...
Muthoot Capital Services Discloses Resignation of Chief Risk Officer
Muthoot Capital Services Ltd. has announced that its Chief Risk Officer, Mrs. Umadevi Pazhoor Unnikrishnan, has resigned from her position due to personal reasons. Her resignation is effective from the close of business hours on October 14, 2026.The...
Muthoot Capital’s Chief Risk Officer Resigns, Prompting Leadership Shift in Risk Function
Muthoot Capital Services Ltd. has announced that Chief Risk Officer Mrs. Umadevi Pazhoor Unnikrishnan has resigned from her position, with effect from the close of business hours on October 14, 2026. The company stated that the resignation is due to...
Muthoot Capital to Raise Up to ₹150 Crore via Secured NCD Issue
Muthoot Capital Services Ltd. has approved the issuance and allotment of senior, secured, rated, listed, redeemable, taxable, transferable non-convertible debentures via private placement, with a total size of up to ₹150 crore. The issue compri...
Muthoot Capital Moves to Strengthen Digital Access Ahead of 32nd AGM
Muthoot Capital Services Ltd. has notified the stock exchanges that it is dispatching letters to shareholders whose e-mail addresses are not registered, providing direct web access to the FY 2025-26 annual report and the notice of its Thirty-Second A...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Aug 17, 2026