What is Muthoot Finance Ltd's market cap?

Muthoot Finance Ltd (MUTHOOTFIN) has a market capitalization of ₹1.32 Lakh Cr.

What sector is MUTHOOTFIN in?

Muthoot Finance Ltd operates in the NBFC — Lending & Credit sector.

What is MUTHOOTFIN's return on equity?

Muthoot Finance Ltd has a return on equity (ROE) of 26.6%.

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Muthoot Finance Ltd (MUTHOOTFIN) — Analysis, Financials, Intelligence | The Stock Filter

The Organism · Company Intelligence

Muthoot Finance Ltd

MUTHOOTFIN|BSE: 533398

NBFC — Lending & CreditBanking & Financial Institutionswww.muthootfinance.com

₹3,160.40

₹0.60 (-0.02%)|MCap ₹1.32 Lakh Cr

As of 16 Jun 2026 (End of Day)

Promoter: 73.3%Div Yield: 0.95%

52W Low ₹2,461.1052W High ₹4,149.50

PE 18.2xMedian PE 11.9xPB 4.2x

Muthoot Finance Ltd. engages in the provision of personal and business loans secured by gold jewelry or gold loans. The company is headquartered in Kochi, Kerala and currently employs 27,273 full-time

Secular Currents

Theme Connections

Fintech Penetration Digital Payments Banking Credit Growth Rural Consumption

Intelligence Profile

TSF Score

68/100

The Vitals · Company Health

Health Indicators

Shenanigan Score

5Clean

Trust Score

X-Ray

Concerns

🟠High leverage (D/E: 3.76x)Business

Watch

Nothing flagged for monitoring

Strengths

🟢Strong return on equity (26.6%)Business
🟢Good profitability (Net margin: 31.5%)Business
🟢Healthy revenue growth (18.4% CAGR 3yr)Business
🟢Consistent dividend payerOpportunity

The Numbers · Key Metrics

PE Ratio

18.2x

ROE

26.6%

Revenue Growth 3yr

18.4%

Debt/Equity

3.76x

₹1.24 Lakh Cr

The Narrator · StoryTel Intelligence

FY2025NBFC — Lending & CreditProduct Sales ModelModel:Revenue = Loan Book × Yield on Advances − Cost of Borrowing + Fee Income

Key Insight

“Banking franchise in NBFC — Lending & Credit.”

The Revenue Story

Net Interest Income of ₹19,663 Cr on total income of ₹19,773 Cr.

Total Income₹19,773 Cr

Interest Earned₹19,663 Cr(99.4% of Total Income)

Interest On Advances₹19,663 Cr(99.4% of Total Income)

NII₹19,663 Cr(99.4% of Total Income)

Other Income₹110 Cr(0.6% of Total Income)

The Cost Story

Cost-to-income ratio at 19.7%. Provision coverage at 0.0% of income.

Operating Profit₹15,878 Cr(80.3%)

Employee₹2,325 Cr(11.8%)

Other OPEX₹1,570 Cr(7.9%)

Cost To Income₹0.00 Cr(0.0%)

0.8%EBITDA Margin

Operating Profit

80.3%

Employee

11.8%

Other OPEX

7.9%

Cost To Income

0.0%

Key Metrics

ROE

26.6%

vs median 5.4%

ROCE

13.6%

vs median 5.4%

Net Margin

27.1%

vs median 11.6%

EBITDA Margin

78.5%

vs median 30.1%

Debt To Equity

3.76x

vs median 0.15x

Rev Growth 3yr

18.4%

vs median 13.5%

EPS Growth 3yr

9.9%

vs median 16.5%

Cost To Income

19.7%

vs median 36.9%

Credit Deposit Ratio

0.00x

Forward View · Management Guidance

FINANCIALQ2FY26— 2High Impact

“Consolidated profit after tax stood at INR 4,386 crores vs INR 2,517 crores last year, an increase of 74% year on year”

FINANCIALQ2FY26— 2High Impact

“Loan assets under management stood at INR 132,305 crores vs INR 90,197, registering growth of 47% year on year”

GUIDANCEQ2FY26— 2High Impact

“yields is what the woman woman also mentioned. 18.5...eighteen, eighteen point five. That should be the steady state. plus or minus half a percent”

The Context · Where does it sit?

Sector Context

The Canopy · Sector KPIs

Sector KPIs

NBFC — Lending & Credit

KPI	Company	Sector Median
ROE	26.6%▲	5.4%
ROCE	13.6%▲	5.4%
Net Margin	27.1%▲	11.6%
EBITDA Margin	78.5%▲	30.1%
Debt To Equity	3.76x▲	0.15x
Rev Growth 3yr	18.4%▲	13.5%
EPS Growth 3yr	9.9%▼	16.5%
Cost To Income	19.7%▼	36.9%
Credit Deposit Ratio	0.00x	-

The Market · What is the market saying?

Market Signals

The Antenna · Media Intelligence

Media Signal

Moderate Impact

7d+0.76→30d+0.76

Based on 1 article (0 in last 7 days)

The Numbers · Show me the data

Financials

Revenue₹27,542 Cr

PBT₹11,653 Cr

EPS₹217.16

(₹ Cr)	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019
	₹27,542 Cr +36.3%	₹20,214 Cr +34.2%	₹15,062 Cr +26.6%	₹11,898 Cr -2.4%	₹12,185 Cr +5.7%	₹11,531 Cr +19.1%	₹9,684 Cr +27.5%	₹7,594 Cr
	₹167 Cr +51.8%	₹110 Cr +9.1%	₹101 Cr +30.7%	₹77 Cr +47.2%	₹53 Cr +47.5%	₹36 Cr +53.0%	₹23 Cr +251.9%	₹7 Cr
Total Income	₹27,710 Cr +36.3%	₹20,324 Cr +34.0%	₹15,163 Cr +26.6%	₹11,975 Cr -2.1%	₹12,237 Cr +5.8%	₹11,566 Cr +19.2%	₹9,707 Cr +27.7%	₹7,601 Cr
	₹16,057 Cr +23.0%	₹13,058 Cr +42.5%	₹9,166 Cr +30.0%	₹7,052 Cr +3.3%	₹6,827 Cr +6.1%	₹6,435 Cr +18.1%	₹5,447 Cr +25.5%	₹4,342 Cr
Profit Before Tax	₹11,653 Cr +60.4%	₹7,266 Cr +21.2%	₹5,997 Cr +21.8%	₹4,923 Cr -9.0%	₹5,410 Cr +5.4%	₹5,131 Cr +20.4%	₹4,260 Cr +30.7%	₹3,260 Cr
	₹3,000 Cr +56.7%	₹1,914 Cr +25.2%	₹1,529 Cr +22.0%	₹1,253 Cr -9.1%	₹1,379 Cr +5.0%	₹1,313 Cr +20.2%	₹1,092 Cr -5.6%	₹1,157 Cr
Net Profit	₹8,653 Cr +61.7%	₹5,352 Cr +19.8%	₹4,468 Cr +21.7%	₹3,670 Cr -9.0%	₹4,031 Cr +5.6%	₹3,819 Cr +20.5%	₹3,169 Cr +50.7%	₹2,103 Cr
Profit (Owners)	₹8,719 Cr +63.5%	₹5,333 Cr +23.3%	₹4,324 Cr +19.7%	₹3,612 Cr -10.1%	₹4,017 Cr +5.6%	₹3,804 Cr +21.2%	₹3,138 Cr +51.0%	₹2,078 Cr
Minority Interest	(₹65 Cr) ↓ Decline	₹19 Cr -86.4%	₹143 Cr +149.4%	₹57 Cr +290.9%	₹15 Cr +1.6%	₹14 Cr -52.4%	₹30 Cr +21.9%	₹25 Cr
Other Comprehensive Income	(₹13 Cr) +84.5%	(₹86 Cr) ↓ Decline	₹70 Cr +64.3%	₹43 Cr ↑ Recovery	(₹78 Cr) -26.3%	(₹62 Cr) ↓ Decline	₹59 Cr ↑ Recovery	(₹2 Cr)
EPS	₹217.16	₹132.84	₹107.71	₹89.98	₹100.08	₹94.83	₹78.25	₹51.86
Diluted Shares	₹40 Cr	₹40 Cr	₹40 Cr	₹40 Cr	₹40 Cr	₹40 Cr	₹40 Cr	₹40 Cr
Net Gain On Amortised Derecognition	₹65 Cr -41.2%	₹110 Cr -36.0%	₹172 Cr +22.8%	₹140 Cr +65.5%	₹85 Cr +257.5%	₹24 Cr -69.6%	₹78 Cr	₹0.00 Cr
Impairment On Financial Instruments	₹1,256 Cr -23.2%	₹1,635 Cr +195.2%	₹554 Cr +128.8%	₹242 Cr -36.9%	₹384 Cr +50.3%	₹255 Cr +36.4%	₹187 Cr	₹0.00 Cr