Muthoot Capital Services Ltd. (IN:MUTHOOTCAP)
:MUTHOOTCAP
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Muthoot Capital Services Ltd.
(MUTHOOTCAP)
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Rating:47Neutral
Price Target:
₹207.00
▼(-24.99% Downside)
Action:Reiterated
Date:05/12/26
The score is primarily weighed down by weakening profitability, high/rising leverage, and persistently negative operating/free cash flow. Technicals are neutral with some near-term support but a weaker long-term trend, while valuation (P/E ~26.4) is not compelling enough to offset the financial risk profile.
Positive Factors
Niche vehicle retail lending
A focused vehicle-finance franchise and branch-based distribution create durable origination advantages in retail markets. Branch reach plus channel partners supports consistent new loan flow, underwriting control and customer access—helping sustain interest and fee income over multiple cycles.
Negative Factors
Profitability deterioration
A sharp margin collapse materially reduces internal cash generation and the company’s ability to self-fund growth or absorb credit stress. Persistently low net margins weaken return on equity and make the business more reliant on external capital to sustain expansion or cover losses.
Read all positive and negative factors
Positive Factors
Negative Factors
Niche vehicle retail lending
A focused vehicle-finance franchise and branch-based distribution create durable origination advantages in retail markets. Branch reach plus channel partners supports consistent new loan flow, underwriting control and customer access—helping sustain interest and fee income over multiple cycles.
Read all positive factors
Muthoot Capital Services Ltd. (MUTHOOTCAP) vs. iShares MSCI India ETF (INDA)
Market Cap
₹3.34B
Dividend YieldN/A
Average Volume (3M)3.06K
Price to Earnings (P/E)26.4
Beta (1Y)1.35
Revenue Growth32.79%
EPS Growth-75.58%
CountryIN
Employees1,995
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)10.41
Shares Outstanding16,447,533
10 Day Avg. Volume1,400
30 Day Avg. Volume3,063
Financial Highlights & Ratios
PEG Ratio-0.35
Price to Book (P/B)0.44
Price to Sales (P/S)0.47
P/FCF Ratio-20.40
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Muthoot Capital Services Ltd. Business Overview & Revenue Model
Company Description
Muthoot Capital Services Limited, a non-banking finance company (NBFC), provides fund and non-fund based financial services. The company offers two wheeler, used car, secured business, and loyalty loans; short-term and long-term deposit plans; and...
How the Company Makes Money
Muthoot Capital Services Ltd. makes money primarily through interest income earned on its loan portfolio. The core revenue model is to raise funds (typically via borrowings and other funding sources available to NBFCs) and lend those funds to cust...
Muthoot Capital Services Ltd. Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
38
Negative
Cash Flow
27
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.55B | 6.32B | 4.63B | 3.79B | 4.30B | 3.97B |
| Gross Profit | 2.98B | 3.03B | 2.52B | 1.73B | 2.09B | 1.88B |
| EBITDA | 1.89B | 229.34M | 1.86B | 2.37B | 1.69B | -1.64B |
| Net Income | 171.31M | 111.73M | 457.46M | 1.23B | 786.79M | -1.62B |
Balance Sheet | ||||||
| Total Assets | 37.31B | 40.56B | 35.85B | 23.14B | 24.35B | 20.99B |
| Cash, Cash Equivalents and Short-Term Investments | 3.06B | 5.23B | 4.00B | 3.21B | 5.50B | 3.34B |
| Total Debt | 29.49B | 32.32B | 28.12B | 16.27B | 18.54B | 15.65B |
| Total Liabilities | 30.74B | 33.85B | 29.26B | 17.02B | 19.46B | 16.87B |
| Stockholders Equity | 6.57B | 6.70B | 6.58B | 6.12B | 4.89B | 4.11B |
Cash Flow | ||||||
| Free Cash Flow | -2.46B | -144.34M | -11.01B | -872.68M | -470.00M | 731.70M |
| Operating Cash Flow | -2.46B | -36.78M | -10.97B | -824.88M | -464.12M | 732.90M |
| Investing Cash Flow | -63.99M | -3.40B | -76.50M | -630.82M | -165.99M | -93.90M |
| Financing Cash Flow | 1.36B | 4.67B | 12.20B | -2.51B | 2.72B | -3.11B |
Muthoot Capital Services Ltd. Technical Analysis
Negative
275.95
Price Trends
200.38
Positive
224.42
Negative
250.60
Negative
Market Momentum
-0.75
Positive
47.31
Neutral
22.21
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:MUTHOOTCAP, the sentiment is Negative. The current price of 275.95 is above the 20-day moving average (MA) of 207.24, above the 50-day MA of 200.38, and above the 200-day MA of 250.60, indicating a neutral trend. The MACD of -0.75 indicates Positive momentum. The RSI at 47.31 is Neutral, neither overbought nor oversold. The STOCH value of 22.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:MUTHOOTCAP.
Muthoot Capital Services Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹1.33T | 11.98 | ― | 0.68% | 54.24% | 99.72% | |
59 Neutral | ₹30.61B | 24.60 | ― | ― | -3.48% | ― | |
58 Neutral | ₹197.74B | 7.80 | ― | ― | 34.64% | 316.68% | |
54 Neutral | ₹269.72B | 21.42 | ― | 0.80% | -5.36% | -17.52% | |
47 Neutral | ₹3.34B | 26.36 | ― | ― | 32.79% | -75.58% | |
44 Neutral | ₹31.60B | 98.87 | ― | ― | -11.00% | 400.98% |
* Financial Sector Average
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
202.15
-84.70
-29.53%
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210.60
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-32.62%
IN:MANAPPURAM
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IN:MUTHOOTFIN
Muthoot Finance Ltd
3,272.40
1,194.22
57.47%
IN:MUTHOOTMF
Muthoot Microfin Ltd
181.55
51.80
39.92%
Muthoot Capital Services Ltd. Corporate Events
Muthoot Capital Publishes FY26 Audited Results in Newspapers
May 10, 2026
Muthoot Capital Services Ltd. has notified the stock exchanges that its audited financial results for the quarter and financial year ended March 31, 2026, have been published in newspapers. The results have been carried in the English daily Busine...
Muthoot Capital files FY26 investor presentation with stock exchanges
May 8, 2026
Muthoot Capital Services Ltd. has released an investor presentation covering its financial and operational performance for the quarter and full financial year ended March 31, 2026. The presentation has been filed with both BSE and NSE in complianc...
Muthoot Capital posts FY26 audited results with clean audit and full compliance disclosures
May 8, 2026
Muthoot Capital Services Ltd. has reported its audited standalone financial results for the quarter and financial year ended 31 March 2026, which were approved by the board on 8 May 2026 after review by the audit committee. The statutory auditor, ...
Muthoot Capital Raises ₹88.68 Crore via Sixth Securitization of Two-Wheeler Loans in FY26
Mar 2, 2026
Muthoot Capital Services Ltd. has completed a securitization transaction by assigning a pool of two-wheeler loan receivables totaling about ₹93.55 crore, raising roughly ₹88.68 crore in multiple tranches on March 2, 2026. This marks th...
Muthoot Capital Raises ₹94.86 Crore via Direct Assignment of Two-Wheeler Loans
Feb 27, 2026
Muthoot Capital Services has completed a direct assignment transaction of its two-wheeler loan receivables, assigning a pool of non-priority sector loans worth about ₹105.40 crore and raising approximately ₹94.86 crore on 27 February 2...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.