Muthoot Finance Limited
MUTHOOTFIN · NBFC · NSE
₹3,582
Current Market Price
Fair Value (DCF)
₹6,736
Margin of Safety
+88.0%
Updated 1h ago
YieldIQ Score
55/100
Piotroski F-Score
3/9
Economic Moat
Narrow
Confidence
75%
ROE
17.8%
Debt/Equity
0.00
WACC
11.0%
Market Cap
₹1.44 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
230.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.10×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
8.9%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹3,582.4
Bear case
₹4,715.26
MoS +24.0%
Base case
₹6,736.08
MoS +46.8%
Bull case
₹8,756.91
MoS +59.1%
Ratio Trends
MUTHOOTFIN · last 8 annual periods
ROE
17.8%
ROCE
4.0%
Operating Margin
—
Debt / Equity
3.29×
PE
39.0×
EV / EBITDA
—
Historical Financials
MUTHOOTFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹11.5K Cr | ₹12.2K Cr | ₹3275 Cr | ₹4164 Cr | ₹12.9K Cr | +2.8% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹9231 Cr | ₹9666 Cr | ₹2446 Cr | ₹3032 Cr | — | -24.3% |
| PAT | ₹3819 Cr | ₹4031 Cr | ₹1009 Cr | ₹1182 Cr | ₹5333 Cr | +8.7% |
| EPS (diluted) | ₹94.76 | ₹100.05 | ₹24.25 | ₹28.37 | — | -26.0% |
| CFO | ₹-7814 Cr | ₹-1373 Cr | ₹-2804 Cr | ₹-13.8K Cr | ₹-26.5K Cr | — |
| CapEx | — | — | — | — | ₹-217 Cr | — |
| FCF | — | — | — | — | ₹-26.7K Cr | — |
| Total Assets | — | ₹76.3K Cr | ₹80.1K Cr | ₹96.5K Cr | ₹132.9K Cr | +14.9% |
| Total Debt | ₹35.1K Cr | — | ₹40.6K Cr | ₹50.1K Cr | ₹98.8K Cr | +29.5% |
| Shareholders' Equity | — | — | ₹22.2K Cr | ₹25.8K Cr | ₹30.0K Cr | +7.9% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
MUTHOOTFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| IRFC IRFC | — | — | Pending | 12.3% | — |
| CHOLAFIN Cholamandalam Investment and Finance Company Limited | +10.5% | 47 | Fairly valued | 18.0% | — |
| PFC Power Finance Corporation Limited | -100.0% | 17 | Data Limited | 14.8% | — |
| RECLTD REC Limited | -100.0% | 20 | Data Limited | 20.3% | — |
| SHRIRAMFIN Shriram Finance Limited | +24.3% | 47 | Undervalued | 16.9% | — |
Click a ticker to view its fair-value analysis.
Dividend History
10 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹142.00/sh
Last payout
2026-04-17
₹30.00
Peak payout
₹30.00
Trailing yield
1.56%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Muthoot Finance Limited (MUTHOOTFIN.NS) trades at 3582.40 vs a model fair value of 6736.08, a gap of 88.0%. Piotroski F-score: 3/9. Moat ...
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Risk profile of MUTHOOTFIN →
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ROE decomposition
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Analyse MUTHOOTFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.