Muthoot Finance Ltd
MUTHOOTFINMuthoot Finance Ltd
MUTHOOTFIN
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 18.15 | 3.30 | 1.13% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.87 | 2.49 | 0.97% |
Forecast & Ratings
Detailed Forecast from 18 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Muthoot Finance Limited is a non-banking financial company (NBFC), which is engaged in providing loan (financing) against collateral of gold jewelry.
Investor Presentation
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Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Shriram Finance Ltd
Bajaj Housing Finance Ltd
Cholamandalam Investment and Finance Company Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 4,940.76 | 5,938.39 | 6,781.68 | 7,601.05 | 9,707.27 | 11,570.19 | 12,238.16 | 11,975.00 | 15,162.75 | 17,471.96 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 10,803.53 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 653.82 | 760.36 | 847.99 | 1,013.34 | 1,208.49 | 1,189.27 | 1,236.81 | 1,488.27 | 1,828.21 | |||||||||||
| Selling & Administrative Expenses | 446.81 | 443.32 | 503.65 | 614.42 | 690.37 | 686.22 | 725.10 | 858.57 | 1,067.69 | |||||||||||
| Operating & Other expenses | 2,454.81 | 2,724.21 | 2,436.05 | 2,662.06 | 3,488.78 | 4,495.87 | 4,796.07 | 4,627.23 | 6,178.24 | |||||||||||
EBITDA | 1,385.32 | 2,010.50 | 2,993.99 | 3,311.23 | 4,319.63 | 5,198.83 | 5,480.18 | 5,000.93 | 6,088.61 | 6,668.43 | ||||||||||
| Depreciation/Amortization | 58.66 | 51.92 | 51.93 | 51.69 | 59.24 | 67.36 | 70.00 | 78.16 | 92.11 | 101.44 | ||||||||||
| PBIT | 1,326.66 | 1,958.58 | 2,942.06 | 3,259.54 | 4,260.39 | 5,131.47 | 5,410.18 | 4,922.77 | 5,996.50 | 6,566.99 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 1,326.66 | 1,958.58 | 2,942.06 | 3,259.54 | 4,260.39 | 5,131.47 | 5,410.18 | 4,922.77 | 5,996.50 | 6,566.99 | ||||||||||
| Taxes & Other Items | 512.16 | 758.81 | 1,112.25 | 1,181.52 | 1,122.15 | 1,327.08 | 1,393.57 | 1,310.49 | 1,672.22 | 1,888.77 | ||||||||||
| Net Income | 814.50 | 1,199.77 | 1,829.81 | 2,078.02 | 3,138.24 | 3,804.39 | 4,016.61 | 3,612.28 | 4,324.28 | 4,678.22 | ||||||||||
| EPS | 20.44 | 30.05 | 45.77 | 51.90 | 78.29 | 94.84 | 100.10 | 89.99 | 107.72 | 116.53 | ||||||||||
| DPS | 6.00 | 6.00 | 10.00 | 12.00 | 15.00 | 20.00 | 20.00 | 22.00 | 24.00 | 24.00 | ||||||||||
| Payout ratio | 0.29 | 0.20 | 0.22 | 0.23 | 0.19 | 0.21 | 0.20 | 0.24 | 0.22 | 0.21 |
Company Updates
Annual report
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PDFInvestor Presentation
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Muthoot Finance Ltd | 19.63 | 3.30 | 1.13% |
| Bajaj Finance Ltd | 30.29 | 5.71 | 0.51% |
| Jio Financial Services Ltd | 128.53 | 1.48 | — |
| Shriram Finance Ltd | 14.96 | 2.22 | 1.53% |
Price Comparison
Compare MUTHOOTFIN with any stock or ETFShareholdings
Promoter Holdings Trend
Total Promoter Holding
In last 6 months, promoter holding in the company has almost stayed constant
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Increased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has increased by 1.16%
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Shareholding History
Mutual Funds Holding Trend
Decreased Mutual Fund Holding
In last 3 months, mutual fund holding of the company has decreased by 1.40%
Top 5 Mutual Funds holding Muthoot Finance Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
SBI Equity Hybrid Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.2347% | Percentage of the fund’s portfolio invested in the stock 2.65% | Change in the portfolio weight of the stock over the last 3 months -0.03% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 14/102 (0) |
SBI Focused Equity Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 2.0112% | Percentage of the fund’s portfolio invested in the stock 4.97% | Change in the portfolio weight of the stock over the last 3 months -0.56% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 5/32 (-1) |
SBI Multicap Fund- Direct Plan- Growth option Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.7243% | Percentage of the fund’s portfolio invested in the stock 3.34% | Change in the portfolio weight of the stock over the last 3 months -0.18% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 7/49 (+2) |
Compare 3-month MF holding change on Screener
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Events
Dividend Trend
No Dividend Cuts
MUTHOOTFIN has increased or maintained dividend levels over the last 5 years
Dividend Yield
Current dividend yield is 1.13%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹11.35 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateMay 31, 2024
Dividend/Share
₹24.00
Ex DateEx Date
May 31, 2024
Cash Dividend
Ex DateEx DateApr 18, 2023
Dividend/Share
₹22.00
Ex DateEx Date
Apr 18, 2023
Cash Dividend
Ex DateEx DateApr 25, 2022
Dividend/Share
₹20.00
Ex DateEx Date
Apr 25, 2022
Cash Dividend
Ex DateEx DateApr 22, 2021
Dividend/Share
₹20.00
Ex DateEx Date
Apr 22, 2021
Cash Dividend
Ex DateEx DateMar 23, 2020
Dividend/Share
₹15.00
Ex DateEx Date
Mar 23, 2020
Muthoot Finance Ltd gained for a fifth straight session today. The stock is quoting at Rs 2087.5, up 1.11% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is down around 0.25% on the day, quoting at 24579.25. The Sensex is at 81360.67, down 0.2%. Muthoot Finance Ltd has gained around 17.92% in last one month. Meanwhile, Nifty Financial Services index of which Muthoot Finance Ltd is a constituent, has gained around 6.9% in last one month and is currently quoting at 24803.05, down 0.27% on the day. The volume in the stock stood at 4.47 lakh shares today, compared to the daily average of 7.13 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 2091.4, up 0.95% on the day. Muthoot Finance Ltd is up 42.29% in last one year as compared to a 17.46% spurt in NIFTY and a 16.84% spurt in the Nifty Financial Services index.The PE of the stock is 18.79 based on TTM earnings ending September 24.Powered by Capital Market - Live
Muthoot Finance Ltd is up for a third straight session today. The stock is quoting at Rs 2033.8, up 2.13% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is down around 0.26% on the day, quoting at 24555.25. The Sensex is at 81326.02, down 0.22%. Muthoot Finance Ltd has risen around 11.92% in last one month. Meanwhile, Nifty Financial Services index of which Muthoot Finance Ltd is a constituent, has risen around 3.18% in last one month and is currently quoting at 24722.6, down 0% on the day. The volume in the stock stood at 8.65 lakh shares today, compared to the daily average of 6.64 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 2036.45, up 2.09% on the day. Muthoot Finance Ltd is up 40.75% in last one year as compared to a 16.95% spurt in NIFTY and a 16.53% spurt in the Nifty Financial Services index.The PE of the stock is 18.1 based on TTM earnings ending September 24.Powered by Capital Market - Live
Muthoot Finance Ltd rose for a fifth straight session today. The stock is quoting at Rs 1923.75, up 1.27% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 1.39% on the day, quoting at 23674.85. The Sensex is at 78171.81, up 1.32%. Muthoot Finance Ltd has dropped around 0.07% in last one month. Meanwhile, Nifty Financial Services index of which Muthoot Finance Ltd is a constituent, has dropped around 0.85% in last one month and is currently quoting at 23273.45, up 1.19% on the day. The volume in the stock stood at 3.29 lakh shares today, compared to the daily average of 5.79 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 1922.45, up 1.34% on the day. Muthoot Finance Ltd is up 44.45% in last one year as compared to a 19.56% gain in NIFTY and a 20.23% gain in the Nifty Financial Services index.The PE of the stock is 17.29 based on TTM earnings ending September 24.Powered by Capital Market - Live
Sequentially, the NBFC's net profit and total income in Q2 FY25 jumped 15.99% and 11.17%, respectively. Profit before tax advanced 28.4% to Rs 1,707.96 crore in Q2 FY25 as compared with Rs 1,330.22 crore posted in Q2 FY24. Loan assets (AUM) stood at Rs 90,197 crore in the quarter ended September 2024, registering a growth of 31% YoY. India's largest gold loan NBFC's consolidated net profit increased 20.63% to Rs 1,321.22 crore on 36.68% rise in revenue from operations to Rs 4,928.82 crore in Q2 FY25 over Q2 FY24. Muthoot Finance consolidated Loan Assets Under Management (AUM) grew 31% YoY to Rs 1,04,149 crore in Q2 FY25. George Jacob Muthoot, chairman, The Muthoot Group said, 'As India's economic and investment activities gain momentum, we are steadfast in our vision to diversify our portfolio beyond gold loans, evolving as a comprehensive financial services group.' George Alexander Muthoot, managing director, said, 'We are pleased to announce that we have achieved exceptional financial results for the first half of FY25. Our standalone loan AUM reached a historic high of Rs 90,197 crore, driven by a robust 28% YoY growth in our core gold loan portfolio. Our standalone profit after tax grew by 18% YoY at Rs 2330 crore. This half year saw the highest-ever gold loan disbursements to new customers of Rs 10,687 crore to 9.66 lakh customers. Among the peer NBFC group, we have the highest average gold loan AUM per branch of Rs 17.75 crore. During the half year, gold loan portfolio grew by 18% of Rs 13,285 crore. On the back of these achievements, wewish to revise our earlier guidance for FY25 on gold loan growth from 15% to 25%. We are also encouraged by the progress in our non-gold loan portfolio, with notable growth across microfinance, personal loans, and home loans, strengthening our position as a diversified financial services conglomerate.' Following the Q2 results, a foreign brokerage firm upgraded Muthoot Finance stock to 'Equal-weight' from 'Underweight' and raised the target price to Rs 1,600 from Rs 1,430. Muthoot Finance is the flagship company of the Kerala-based business house, The Muthoot Group, which has diversified operations in financial services, healthcare, education and hospitality. It is India's largest gold loan focused NBFC. Powered by Capital Market - Live
Sequentially, the NBFC's net profit and total income in Q2 FY25 jumped 15.99% and 11.17%, respectively. Profit before tax advanced 28.4% to Rs 1,707.96 crore in Q2 FY25 as compared with Rs 1,330.22 crore posted in Q2 FY24. Loan assets (AUM) stood at Rs 90,197 crore in the quarter ended September 2024, registering a growth of 31% YoY. India's largest gold loan NBFC's consolidated net profit increased 20.63% to Rs 1,321.22 crore on 36.68% rise in revenue from operations to Rs 4,928.82 crore in Q2 FY25 over Q2 FY24. Muthoot Finance consolidated Loan Assets Under Management (AUM) grew 31% YoY to Rs 1,04,149 crore in Q2 FY25. George Jacob Muthoot, chairman, The Muthoot Group said, 'As India's economic and investment activities gain momentum, we are steadfast in our vision to diversify our portfolio beyond gold loans, evolving as a comprehensive financial services group.' George Alexander Muthoot, managing director, said, 'We are pleased to announce that we have achieved exceptional financial results for the first half of FY25. Our standalone loan AUM reached a historic high of Rs 90,197 crore, driven by a robust 28% YoY growth in our core gold loan portfolio. Our standalone profit after tax grew by 18% YoY at Rs 2330 crore. This half year saw the highest-ever gold loan disbursements to new customers of Rs 10,687 crore to 9.66 lakh customers. Among the peer NBFC group, we have the highest average gold loan AUM per branch of Rs 17.75 crore. During the half year, gold loan portfolio grew by 18% of Rs 13,285 crore. On the back of these achievements, wewish to revise our earlier guidance for FY25 on gold loan growth from 15% to 25%. We are also encouraged by the progress in our non-gold loan portfolio, with notable growth across microfinance, personal loans, and home loans, strengthening our position as a diversified financial services conglomerate.' Muthoot Finance is the flagship company of the Kerala-based business house, The Muthoot Group, which has diversified operations in financial services, healthcare, education and hospitality. It is India's largest gold loan focused NBFC. The scrip rose 0.27% to close at Rs 1,777.70 on Thursday, 14 November 2024. The stock market is closed today on account of Guru Nanak Jayanti.Powered by Capital Market - Live
Net profit of Muthoot Finance rose 20.01% to Rs 1271.60 crore in the quarter ended September 2024 as against Rs 1059.62 crore during the previous quarter ended September 2023. Sales rose 36.68% to Rs 4928.82 crore in the quarter ended September 2024 as against Rs 3606.14 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales4928.823606.14 37 OPM %73.1477.69 - PBDT1826.641492.39 22 PBT1801.781470.21 23 NP1271.601059.62 20 Powered by Capital Market - Live
Muthoot Finance will hold a meeting of the Board of Directors of the Company on 14 November 2024Powered by Capital Market - Live
Muthoot Finance Ltd is up for a fifth straight session today. The stock is quoting at Rs 1949.15, up 0.19% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.69% on the day, quoting at 25137.7. The Sensex is at 82005.67, up 0.77%. Muthoot Finance Ltd has slipped around 3.2% in last one month. Meanwhile, Nifty Financial Services index of which Muthoot Finance Ltd is a constituent, has slipped around 0.62% in last one month and is currently quoting at 23612.55, up 0.96% on the day. The volume in the stock stood at 91261 shares today, compared to the daily average of 6.32 lakh shares in last one month. The benchmark October futures contract for the stock is quoting at Rs 1956.7, up 0.33% on the day. Muthoot Finance Ltd is up 56.55% in last one year as compared to a 27.4% jump in NIFTY and a 20.32% jump in the Nifty Financial Services index.The PE of the stock is 18.8 based on TTM earnings ending June 24.Powered by Capital Market - Live
Muthoot Finance Ltd gained for a fifth straight session today. The stock is quoting at Rs 2031, up 0.35% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.23% on the day, quoting at 25476.3. The Sensex is at 83297.27, up 0.26%. Muthoot Finance Ltd has gained around 10.36% in last one month. Meanwhile, Nifty Financial Services index of which Muthoot Finance Ltd is a constituent, has gained around 6.44% in last one month and is currently quoting at 23991.55, up 1.69% on the day. The volume in the stock stood at 1.8 lakh shares today, compared to the daily average of 5.67 lakh shares in last one month. The benchmark September futures contract for the stock is quoting at Rs 2031.15, up 0.15% on the day. Muthoot Finance Ltd is up 56.22% in last one year as compared to a 28.01% jump in NIFTY and a 21.36% jump in the Nifty Financial Services index.The PE of the stock is 19.54 based on TTM earnings ending June 24.Powered by Capital Market - Live
Muthoot Finance announced that the Annual General Meeting (AGM) of the company will be held on 30 September 2024.Powered by Capital Market - Live
Lower than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 14.81%, vs industry avg of 15.21%
Increasing Market Share
Over the last 5 years, market share increased from 6.09% to 6.46%
Lower than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 15.79%, vs industry avg of 20.97%