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Muthoot Finance Ltd
(MUTHOOTFIN)
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Rating:66Neutral
Price Target:
₹2,596.00
▼(-13.06% Downside)
Action:Reiterated
Date:08/17/26
The score is supported primarily by strong profitability and accelerating 2026 growth, plus an attractive low P/E valuation. These positives are tempered by higher financial risk from rising leverage and historically inconsistent cash-flow generation, and by weak technical momentum with the stock trading below key moving averages.
Positive Factors
Accelerating Revenue and Profit Growth
Strong recent revenue growth combined with expanding net margins indicates improving operating performance and customer demand. If maintained, this combination can strengthen internal capital generation, support continued balance-sheet expansion, and provide a durable earnings base over the next several quarters.
Negative Factors
Rising Financial Leverage
Increasing leverage makes the company more sensitive to funding conditions, interest costs, and credit-cycle stress. Although returns on equity are improving, the larger debt burden reduces financial flexibility and could constrain growth or shareholder returns if borrowing costs rise or asset quality weakens.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating Revenue and Profit Growth
Strong recent revenue growth combined with expanding net margins indicates improving operating performance and customer demand. If maintained, this combination can strengthen internal capital generation, support continued balance-sheet expansion, and provide a durable earnings base over the next several quarters.
Read all positive factors
Muthoot Finance Ltd (MUTHOOTFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹967.34B
Dividend Yield1.24%
Average Volume (3M)37.03K
Price to Earnings (P/E)8.5
Beta (1Y)0.90
Revenue Growth50.37%
EPS Growth84.79%
CountryIN
Employees31,617
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)283.28
Shares Outstanding401,468,480
10 Day Avg. Volume24,656
30 Day Avg. Volume37,030
Financial Highlights & Ratios
PEG Ratio0.12
Price to Book (P/B)3.24
Price to Sales (P/S)4.06
P/FCF Ratio10.79
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹3,300.00Price Target Upside10.51% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)269.29
Revenue Forecast (FY)₹193.72B
Muthoot Finance Ltd Business Overview & Revenue Model
Company 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...
How the Company Makes Money
Muthoot Finance primarily makes money by originating and servicing gold loans and earning interest income on these advances. Customers pledge gold jewellery as collateral, the company disburses a loan against the assessed value of the gold, and it...
Muthoot Finance Ltd Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
63
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 335.58B | 312.63B | 202.65B | 150.86B | 119.19B | 122.17B |
| Gross Profit | 213.43B | 199.89B | 128.53B | 96.56B | 77.10B | 79.61B |
| EBITDA | 155.82B | 144.42B | 73.82B | 60.89B | 50.01B | 54.80B |
| Net Income | 113.73B | 105.90B | 53.33B | 43.24B | 36.12B | 40.17B |
Balance Sheet | ||||||
| Total Assets | 2.09T | 1.96T | 1.33T | 964.69B | 801.49B | 763.16B |
| Cash, Cash Equivalents and Short-Term Investments | 147.98B | 128.68B | 83.46B | 62.72B | 80.74B | 100.36B |
| Total Debt | 1.62T | 1.51T | 988.05B | 678.72B | 554.72B | 543.62B |
| Total Liabilities | 1.68T | 1.56T | 1.03T | 707.15B | 579.96B | 571.79B |
| Stockholders Equity | 406.02B | 391.30B | 293.67B | 251.07B | 216.66B | 187.86B |
Cash Flow | ||||||
| Free Cash Flow | -201.54B | 117.63B | -265.93B | -139.76B | -29.45B | -16.94B |
| Operating Cash Flow | -201.01B | 119.15B | -263.76B | -137.54B | -28.04B | -15.96B |
| Investing Cash Flow | -25.05B | -567.76B | -13.76B | 453.59M | 1.81B | 4.22B |
| Financing Cash Flow | 223.47B | 493.20B | 298.93B | 119.58B | 3.95B | 34.45B |
Muthoot Finance Ltd Technical Analysis
Negative
2986.10
Price Trends
2761.72
Negative
2887.44
Negative
3184.31
Negative
Market Momentum
-99.56
Positive
33.64
Neutral
36.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MUTHOOTFIN, the sentiment is Negative. The current price of 2986.1 is above the 20-day moving average (MA) of 2547.08, above the 50-day MA of 2761.72, and below the 200-day MA of 3184.31, indicating a bearish trend. The MACD of -99.56 indicates Positive momentum. The RSI at 33.64 is Neutral, neither overbought nor oversold. The STOCH value of 36.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MUTHOOTFIN.
Muthoot Finance Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | ₹1.94T | 13.71 | ― | 1.51% | 10.10% | 14.42% | |
66 Neutral | ₹967.34B | 8.50 | ― | 1.24% | 50.37% | 84.79% | |
63 Neutral | ₹5.85T | 26.92 | ― | 0.64% | 18.79% | 18.22% | |
62 Neutral | ₹225.36B | 9.01 | ― | 0.76% | 36.50% | 190.08% | |
59 Neutral | ₹612.82B | 17.89 | ― | 1.12% | 17.30% | 26.39% | |
56 Neutral | ₹271.47B | 17.58 | ― | 0.87% | 4.91% | 73.95% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:MUTHOOTFIN
Muthoot Finance Ltd
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Muthoot Finance Ltd Corporate Events
Muthoot Finance Holds 29th AGM Via Video Conferencing in Line With SEBI Norms
Aug 31, 2026
Muthoot Finance Limited held its 29th Annual General Meeting on August 31, 2026, via video conferencing and other audio-visual means in line with Ministry of Corporate Affairs and SEBI directions. Around 80 shareholders, including promoters, joine...
Muthoot Finance Uploads Analyst Call Recording on Quarterly Results
Aug 2, 2026
Muthoot Finance Ltd has disclosed that the audio recording of its analyst call held on August 1, 2026, discussing unaudited consolidated and standalone financial results for the quarter ended June 30, 2026, has been made available on the company&#...
Muthoot Finance Unveils Long-Planned Leadership Succession With New MD
Aug 1, 2026
Muthoot Finance’s board has announced a leadership succession plan, recommending the appointment of Whole-Time Director Alexander George as Managing Director from October 1, 2026, subject to shareholder approval at the upcoming AGM. The move...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.