Muthoot Finance Ltd (IN:MUTHOOTFIN)
:MUTHOOTFIN
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MUTHOOTFIN Stock Chart & Stats
₹3570.65
-₹29.95(-1.36%)
At close: 4:00 PM EST
₹3570.65
-₹29.95(-1.36%)
Day’s Range― - ―
52-Week Range₹2,478.00 - ₹4,149.00
Previous CloseN/A
Volume284.39K
Average Volume (3M)14.55K
Market Cap
₹1.16T
Enterprise Value₹2.72T
Total Cash (Recent Filing)₹81.21B
Total Debt (Recent Filing)₹1.23T
Price to Earnings (P/E)11.0
Beta0.92
Next Earnings
Aug 07, 2026EPS Estimate
64.49Next Dividend Ex-DateN/A
Dividend Yield0.68%
Share Statistics
EPS (TTM)182.68
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
₹4,350.00Price Target Upside21.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)290.38
Revenue Forecast (FY)₹205.12B
Bulls Say, Bears Say
Bulls Say
High MarginsHigh and improving operating and net margins (~45.8% EBIT, ~33.9% net in 2026) reflect the strong spread and low credit costs typical of secured gold lending. This durable margin profile supports internal cash generation, reinvestment and resilience across cycles.
Accelerating RevenueA 26.9% revenue jump in 2026 signals robust demand and/or pricing power in the core gold-loan business. Sustained top-line growth improves operating leverage, funds branch and loan book expansion, and strengthens medium-term earnings durability.
Scale & Capital EfficiencyAn extensive retail branch network coupled with a high ROE (~27.1% in 2026) indicates an entrenched distribution advantage and efficient capital deployment. This supports customer access, repeat business and the ability to generate shareholder returns without proportional capital raises.
Bears Say
High LeverageElevated and rising leverage (debt/equity ~3.86x) increases sensitivity to funding costs and liquidity risk, a structural concern for NBFCs. Higher leverage constrains strategic flexibility and raises refinancing and margin pressure if credit markets tighten.
Uneven Cash GenerationMulti-year negative operating cash flow followed by a 2026 rebound (~119B) shows inconsistent cash generation. This volatility increases reliance on external funding for growth and dividends and raises execution risk in adverse funding environments.
Gold-price & Collateral ExposureEarnings and collateral coverage are structurally tied to gold price levels and volatility. Fluctuating gold prices change LTVs, borrower behavior and credit risk, requiring active risk management and capital buffers that can pressure margins in volatile markets.
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 ₹1.16T.
When is Muthoot Finance Ltd’s upcoming earnings report date?
Muthoot Finance Ltd’s upcoming earnings report date is Aug 07, 2026 which is in 56 days.
How were Muthoot Finance Ltd’s earnings last quarter?
Muthoot Finance Ltd released its earnings results on May 14, 2026. The company reported ₹76.88 earnings per share for the quarter, beating the consensus estimate of ₹62.69 by ₹14.19.
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 0.68%. See more information on Muthoot Finance Ltd dividends here
What is Muthoot Finance Ltd’s EPS estimate?
Muthoot Finance Ltd’s EPS estimate is 64.49.
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 ₹76.88 in its last earnings report, beating expectations of ₹62.69. 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
₹4,350.00
▲(21.83% Upside)
Technical Analysis
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