Want to see IN:MUTHOOTFIN full AI Analyst Report?
MUTHOOTFIN Stock Chart & Stats
₹2986.10
₹39.20(1.31%)
At close: 4:00 PM EDT
₹2986.10
₹39.20(1.31%)
Day’s Range― - ―
52-Week Range₹2,478.00 - ₹4,149.00
Previous CloseN/A
Volume517.80K
Average Volume (3M)14.55K
Market Cap
₹1.25T
Enterprise Value₹2.69M
Total Cash (Recent Filing)₹128.68B
Total Debt (Recent Filing)₹1.51T
Price to Earnings (P/E)11.8
Beta0.88
Next Earnings
Nov 05, 2026EPS Estimate
64.24Next Dividend Ex-DateN/A
Dividend Yield0.96%
Share Statistics
EPS (TTM)263.78
Shares Outstanding401,468,480
10 Day Avg. Volume16,333
30 Day Avg. Volume14,548
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 ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)286.47
Revenue Forecast (FY)₹204.24B
Bulls Say, Bears Say
Bulls Say
High MarginsMuthoot reports very high operating and net margins driven by its gold-loan economics. These margins support strong earnings conversion and high ROE, providing durable profit resilience versus unsecured lenders and cushioning credit costs as the loan book scales.
Accelerating Revenue GrowthRevenue growth accelerated materially in 2026, signaling robust demand or improved pricing in its core franchise. Sustained top-line momentum indicates scalable origination and pricing power in retail gold lending, supporting durable credit throughput and earnings expansion over months.
Secured Gold-loan Franchise & DistributionA large branch-led network and secured lending model create structural advantages: deep retail origination, repeat customers, and collateral-backed risk mitigation. This scale and collateralisation support steady loan volumes and lower loss severity versus unsecured products.
Bears Say
High And Rising LeverageThe company is scaling assets with materially higher leverage, increasing sensitivity to funding costs, liquidity stress and NBFC funding cycles. Elevated debt levels make earnings vulnerable to rising rates and increase refinancing and regulatory risk over the medium term.
Volatile Cash GenerationMulti-year negative operating cash flow followed by a large 2026 rebound highlights inconsistency in cash conversion. This volatility reduces confidence in internal funding reliability and increases the likelihood of dependence on external borrowings during adverse cycles.
Concentration To Gold Loans & Gold Price SensitivityHeavy reliance on gold-backed lending concentrates exposure to gold price swings, LTV dynamics and consumer demand shifts. Collateral-value sensitivity can force tighter lending, margin pressure or higher provisioning during gold volatility, challenging stable credit growth.
Muthoot Finance Ltd News
MUTHOOTFIN FAQ
What was Muthoot Finance Ltd’s price range in the past 12 months?
Muthoot Finance Ltd lowest stock price was ₹2478.00 and its highest was ₹4149.00 in the past 12 months.
What is Muthoot Finance Ltd’s market cap?
Muthoot Finance Ltd’s market cap is ₹1.25T.
When is Muthoot Finance Ltd’s upcoming earnings report date?
Muthoot Finance Ltd’s upcoming earnings report date is Nov 05, 2026 which is in 91 days.
How were Muthoot Finance Ltd’s earnings last quarter?
Muthoot Finance Ltd released its earnings results on Aug 01, 2026. The company reported ₹63.53 earnings per share for the quarter, missing the consensus estimate of ₹72.628 by -₹9.098.
Is Muthoot Finance Ltd overvalued?
According to Wall Street analysts Muthoot Finance Ltd’s price is currently Undervalued.
Does Muthoot Finance Ltd pay dividends?
Muthoot Finance Ltd pays a Annually dividend of ₹30 which represents an annual dividend yield of 0.96%. See more information on Muthoot Finance Ltd dividends here
What is Muthoot Finance Ltd’s EPS estimate?
Muthoot Finance Ltd’s EPS estimate is 64.24.
How many shares outstanding does Muthoot Finance Ltd have?
Muthoot Finance Ltd has 401,468,480 shares outstanding.
What happened to Muthoot Finance Ltd’s price movement after its last earnings report?
Muthoot Finance Ltd reported an EPS of ₹63.53 in its last earnings report, missing expectations of ₹72.628. Following the earnings report the stock price went up 0.6%.
Which hedge fund is a major shareholder of Muthoot Finance Ltd?
Currently, no hedge funds are holding shares in IN:MUTHOOTFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Muthoot Finance Ltd
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 core gold lending activities, the company offers a diverse portfolio of financial products and services, including housing finance, sales of gold coins, money transfer facilities, and foreign exchange operations. It also provides investment opportunities through mutual funds and non-convertible debentures, alongside a comprehensive suite of insurance products covering health, home, vehicle, life, and travel. Furthermore, Muthoot Finance extends various other loan types, such as vehicle, corporate, and SME financing. Intriguingly, the company also generates electricity from windmills located in Tamil Nadu. As of March 31, 2022, its extensive operational network comprised approximately 4,617 branches spread across 23 states and 6 Union Territories. The company, which has its roots tracing back to 1887, is headquartered in Kochi, India.
MUTHOOTFIN Stock 12 Month Forecast
Average Price Target
₹3,300.00
▲(10.51% Upside)
Technical Analysis
Bajaj Finance Limited
―
IIFL Finance Limited
―
L&T Finance Ltd
―
Manappuram Finance Limited
―
Shriram Finance Limited
―








