Muthoot Finance

Market Cap (₹ Cr.)

₹81,156

52 Week High

2,078.75

Book Value

₹625

52 Week Low

1,182.35

PE Ratio

18.17

PB Ratio

3.21

PE for Sector

33.71

PB for Sector

2.87

ROE

16.57 %

ROCE

12.76 %

Dividend Yield

1.19 %

EPS

₹111.25

Industry

Finance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

26.62 %

Net Income Growth

21.74 %

Cash Flow Change

-390.50 %

ROE

4.72 %

ROCE

0.05 %

EBITDA Margin (Avg.)

-1.23 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Revenue	1,102	1,143	1,140	1,141	1,451	1,301	1,386	1,346	1,713	1,377	1,662	1,591	1,703	1,633	1,650	1,717	1,880	1,859	2,141	2,321	2,403	2,385	2,584	2,776	2,828	2,715	2,833	2,872	2,678	2,509	2,504	2,667	2,864	3,026	3,074	3,176	3,418	3,710
Expenses	290	278	292	275	398	308	319	292	565	312	418	364	418	367	359	335	463	391	413	504	523	378	449	485	512	421	501	527	450	473	426	531	690	635	572	566	753	849
EBITDA	811	864	848	866	1,054	992	1,067	1,055	1,149	1,065	1,244	1,227	1,284	1,266	1,291	1,382	1,417	1,468	1,727	1,817	1,880	2,007	2,135	2,291	2,316	2,294	2,332	2,345	2,228	2,036	2,078	2,136	2,174	2,392	2,502	2,610	2,666	2,861
Operating Profit %	73 %	75 %	74 %	76 %	72 %	76 %	77 %	78 %	67 %	77 %	75 %	77 %	75 %	78 %	78 %	80 %	75 %	79 %	81 %	78 %	78 %	84 %	83 %	82 %	82 %	84 %	82 %	82 %	83 %	81 %	83 %	80 %	76 %	79 %	81 %	82 %	78 %	77 %
Depreciation	21	14	14	15	15	12	11	12	13	10	11	12	11	9	10	11	12	10	10	11	12	10	11	14	15	11	13	14	16	13	14	15	17	13	15	17	19	18
Interest	533	567	565	562	564	557	594	597	546	512	493	472	454	502	535	589	611	642	670	709	770	872	924	946	951	982	979	953	921	942	903	914	941	1,064	1,156	1,212	1,223	1,351
Profit Before Tax	257	283	268	290	475	424	462	446	589	542	740	743	819	755	745	782	794	817	1,047	1,096	1,097	1,125	1,200	1,331	1,350	1,300	1,340	1,378	1,292	1,082	1,161	1,207	1,216	1,315	1,330	1,380	1,424	1,492
Tax	92	100	94	103	210	155	166	156	269	193	286	257	279	271	263	295	287	289	184	279	286	269	308	358	361	324	352	347	336	277	301	301	320	346	337	354	374	420
Net Profit	165	183	175	187	265	270	297	291	322	345	446	479	508	492	484	485	512	530	858	815	815	841	894	991	996	971	994	1,029	960	802	867	902	903	975	991	1,027	1,056	1,079
EPS in ₹	4.16	4.60	4.39	4.69	6.67	6.77	7.44	7.29	8.06	8.63	11.16	11.98	12.71	12.29	12.09	12.12	12.77	13.23	21.41	20.04	20.33	20.96	22.30	24.72	24.81	24.21	24.77	25.64	23.93	19.98	21.61	22.46	22.49	24.29	24.69	25.58	26.32	26.87

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	26,769	27,049	30,713	30,792	38,069	50,460	63,465	70,555	72,620	85,028
Fixed Assets	257	218	208	200	193	228	247	267	272	350
Current Assets	26,333	26,571	30,116	677	1,920	6,161	7,497	9,488	6,659	5,287
Capital Work in Progress	7	9	10	6	23	29	38	46	67	88
Investments	0	0	0	395	983	1,438	1,590	1,320	1,317	2,268
Other Assets	26,505	26,821	30,495	30,191	36,871	48,765	61,589	68,921	70,964	82,322
Total Liabilities	21,686	21,429	24,197	22,980	28,276	38,888	48,226	52,210	51,558	60,738
Current Liabilities	13,765	15,026	19,293	15,602	18,580	18,187	19,518	16,899	16,477	21,830
Non Current Liabilities	7,921	6,403	4,904	7,378	9,696	20,701	28,708	35,311	35,081	38,908
Total Equity	5,084	5,619	6,516	7,812	9,793	11,572	15,239	18,345	21,062	24,290
Reserve & Surplus	4,686	5,220	6,117	7,412	9,392	11,171	14,838	17,943	20,661	23,889
Share Capital	398	399	399	400	401	401	401	401	401	401

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-222	-1,058	613	-834	1,258	3,791	1,612	2,062	-2,750	-1,392
Investing Activities	-16	-67	-134	-194	-585	-429	48	408	188	-739
Operating Activities	-460	214	-1,710	-87	-3,858	-4,458	-7,477	-1,142	-1,902	-9,302
Financing Activities	254	-1,204	2,457	-554	5,701	8,678	9,041	2,796	-1,036	8,649

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024
Promoter	73.40 %	73.40 %	73.37 %	73.37 %	73.37 %	73.37 %	73.35 %	73.35 %	73.35 %	73.35 %	73.35 %	73.35 %	73.35 %	73.35 %
FIIs	15.99 %	15.02 %	14.16 %	13.67 %	12.13 %	10.96 %	9.93 %	10.00 %	9.37 %	8.70 %	8.12 %	8.33 %	8.33 %	8.69 %
DIIs	6.60 %	7.73 %	8.27 %	8.48 %	9.67 %	10.48 %	11.75 %	12.02 %	12.66 %	13.73 %	14.65 %	14.60 %	14.71 %	14.55 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	4.02 %	3.86 %	4.20 %	4.48 %	4.83 %	5.20 %	4.96 %	4.63 %	4.62 %	4.22 %	3.89 %	3.72 %	3.60 %	3.42 %

Show % Change

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	7,631.10	4,55,813.41	30.54	54,982.51	32.75	14,451	13.82	66.90
Bajaj Finserv	1,888.20	2,95,143.00	35.38	1,10,383.00	34.50	15,595	13.48	69.45
Jio Financial Services	346.90	2,23,413.23	140.66	1,854.68	4,036.22	1,605	-5.81	55.12
Cholamandalam Investment	1,590.15	1,32,233.08	36.15	19,419.87	48.18	3,411	33.41	68.86
Shriram Finance	3,574.70	1,28,736.84	17.02	36,412.99	19.35	7,391	18.60	76.93
Bajaj Holdings & Investments	10,793.00	1,15,398.27	15.46	1,713.46	224.92	7,365	14.04	66.49
HDFC AMC	4,432.25	94,535.56	45.69	3,163.39	27.42	1,943	26.47	57.39
Muthoot Finance	2,017.00	81,155.93	18.17	15,162.74	26.62	4,468	14.45	63.20
SBI Cards	779.85	75,375.96	31.29	17,483.48	22.39	2,408	0.19	58.74
Aditya Birla Capital	227.15	58,639.83	17.03	34,560.58	14.43	3,439	17.06	57.80