NSE/MUTHOOTFIN

MUTHOOTFINMuthoot Finance Ltd

Financial Services · NSE

₹3,571.3-0.19%

52-wk low52-WEEK RANGE52-wk high

₹2,017+77.1% from low ·-12.7% from high₹4,091.7

Price chart · 1M–10Y · daily-close

NSE bhavcopy + 10Y historical

MUTHOOTFIN+66.89% · 1Y

Range high ₹4,149.5Range low ₹1,965Latest ₹3,571.3252 bars · daily-close · NSE bhavcopy + 10Y history

Financial ServicesLargecap

Stock scorecard

Auto-computed from latest ratios + sector context · not a buy/sell signal

Composite50/100

Performance

—

Not enough price history to score.

Valuation

High

Looks expensive vs the sector.

· P/E 16.4 close to sector median 18.5
· P/B 4.00 above sector median

Growth

Medium

Steady but not standout growth.

· Revenue YoY +75.7% — strong top-line
· Profit YoY +23.3%

Profitability

High

Showing good signs of profitability & efficiency.

· ROE 26.7% — high-quality compounder
· Net margin 31.2% — strong pricing power

DVM composite · Durability · Valuation · Momentum

Trendlyne-style 3-axis composite · all drivers shown below · not a buy/sell signal

CompositeB(64/100)

Durability

61/100

Reasonable financial health; watch the weaker inputs.

Show 3 drivers

Piotroski F-score6/8 (75pt)
Debt/Equity3.85 (7pt)
ROE26.7% (100pt)

Valuation

51/100

Trading at a premium — growth must keep delivering to justify.

Show 3 drivers

P/E vs sector (16.4 / 18.5)88% (76pt)
P/B4.00 (22pt)
Dividend yield0.84% (21pt)

Momentum

80/100

Strong, confirmed momentum across price + technicals.

Show 4 drivers

DMA-trend alignmentup (75pt)
RSI (14)58.0 (97pt)
Price vs 200-DMA+8.9% (78pt)
MACD regimebullish (75pt)

Valuation positioning

Current ratio vs sector peer distribution

P/E (TTM)16.35

FAIR

CheapestP/E 16.4 near sector median.Most expensive

P/B4.00

OVERVALUED

CheapestP/B 4.00 at 71th %ile of sector.Most expensive

Monthly seasonality

Avg monthly return over 10 years · historical — not a forecast

Best: Jun +9.34% · Worst: Jan -1.97%

Jan

-2.0%

40% win

Feb

+1.1%

40% win

Mar

+0.4%

60% win

Apr

+7.1%

60% win

May

+2.8%

60% win

Jun

+9.3%

Monthly return distribution

Distribution of 120 monthly returns

Mean

+2.87%

Median

+1.64%

Std dev

9.70%

Best

+40.7%

Worst

-30.3%

% positive

57%

SWOT analysis

Auto-derived from ratios + sector context + forensics · research only, not a recommendation

STRENGTHS · 3

High-quality compounder (ROE 26.7%)
Above 20% ROE consistently flags capital-efficient businesses
Strong net margin (31.2%)
High margin indicates pricing power + operating efficiency
Top quartile ROE in Financial Services
Rank 5 of 58 peers

WEAKNESSES · 1

Leveraged balance sheet (D/E 3.85)
High debt amplifies earnings volatility in downturns

OPPORTUNITIES · 0

No strong near-term catalysts visible

THREATS · 0

No immediate threats from the data

RETURNS · DAILY-CLOSE BASED

3Y+ shown as CAGR

-0.2%

-0.1%

+7.1%

-7.3%

+13.6%

+55.8%

+52.8%

+22.6%

10Y

+34.5%

Fundamentals

VALUATION

Market cap

₹1,42,642 Cr

P/E (TTM)

16.4

P/E (fwd)

—

next 12m

P/B

4.00

EV/EBITDA

—

Book value

—

per share

PROFITABILITY · QUALITY

ROE

26.7%

ROCE

—

Net margin

31.2%

Op margin

—

Gross margin

—

D/E

3.85

GROWTH · MARKET

Rev YoY

+75.7%

Profit YoY

+23.3%

Div yield

0.84%

Payout

—

52w change

—

Beta

—

Pros and cons

Auto-derived from ratios · not a buy/sell recommendation

PROS · 3

+High ROE of 26.7%Capital-efficient business — every rupee of equity generates 26.7 paise of earnings
+Revenue growing at +75.7% YoYGrowth-category territory — implies market-share gains or market expansion
+3-year revenue CAGR of 17.3%Sustained multi-year growth — not a one-quarter flash

CONS · 1

−Leveraged balance sheet (D/E 3.85)High debt amplifies earnings volatility and refinancing risk

Sector-relative context

Financial Services · 58 peers

P/E (TTM)

This stock

16.35

Sector median

18.51

Rank 25/58 (59th %ile)

ROE

This stock

26.7%

Sector median

13.6%

Rank 54/58 (9th %ile)

P/B

This stock

4.00

Sector median

2.13

Rank 41/58 (31th %ile)

Quality score · Piotroski F-score

6 / 8

Decent quality — clears Piotroski bar

✓Profitable (positive net income)· Most basic check — company makes money
✓Positive return on assets· Assets generate returns
✗Positive operating cash flow· Profits are backed by real cash, not accruals
✗Operating CF exceeds net profit· Healthy cash conversion — no aggressive revenue recognition
✓Long-term debt decreased YoY· Deleveraging — lower refinancing risk
✓ROA improved YoY· Getting more productive with the asset base
—Operating margin expanded YoY· Pricing power or cost discipline
✓

Quarterly results

Last 6 quarters · ₹ Cr (Screener.in-grade depth)

Metric	2024-Q3	2024-Q4	2025-Q1	2025-Q2	2025-Q3	2025-Q4
Revenue	—	3,322	3,482	4,130	4,761	5,320
Interest	—	1,900	2,111	2,355	2,571	2,919
PBT	—	1,886	1,932	2,654	3,244	3,822

Annual P&L

Last 4 years · ₹ Cr · all line items

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Revenue	7,961	7,710	9,656	12,853
Interest	4,256	4,209	5,430	7,412
Depreciation	66	75	89	113
PBT	5,410	4,923	5,997	7,266
Tax %

Peer	Last close	1Y change	Mcap ₹Cr	P/E	P/B	ROE	D/E	Rev YoY
MUTHOOTFINTHIS Muthoot Finance Limited	₹3,571.3	+62.1%	1,42,642	16.4	4.00	26.7%	3.85	+75.7%
HDFCBANK HDFC Bank Limited	₹799.9	-58.5%	12,24,457	17.8	2.17	13.8%	—	-1.8%
SBIN State Bank of India	₹1,080.25	+32.3%	10,22,614	12.1	1.73	14.3%	—	+14.5%
ICICIBANK ICICI Bank Limited	₹1,346.8	-4.5%	9,71,609	18.5	2.78	16.4%	—	+66.9%
BAJFINANCE Bajaj Finance Limited	₹908.25	-90.2%	5,70,505	31.7	5.52	17.4%	3.10	+6.4%
AXISBANK Axis Bank Limited	₹1,359.1	+11.1%	4,21,100	16.1	2.03	13.6%	—	+5.7%
KOTAKBANK Kotak Mahindra Bank Limited	₹383.6	-82.9%	3,77,170	20.1	2.24	11.2%	—	+24.2%
BAJAJFINSV Bajaj Finserv Limited	₹1,838.9	-12.6%	2,92,438	30.5	3.81	12.5%	2.38	+24.8%
SHRIRAMFIN Shriram Finance Limited	₹1,036.95	+47.5%	2,45,891	21.5	3.24	15.1%	2.79	+21.4%

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Research tool · not investment advice.

Axel Markets is an information + analytics product. We are not a SEBI-registered Research Analyst (RA) or Investment Adviser (IA). Nothing on this page is a buy, sell, or hold recommendation. Past performance is not indicative of future returns. Verify all data against the authoritative source (NSE, BSE, AMFI, SEBI, company RHP / factsheet) before acting. Daily OHLCV sourced primarily from our NSE bhavcopy ingest (public sec_bhavdata_full CSV), with Stooq as a fallback for historical gaps. Split + bonus adjusted. Excludes dividends. Not a recommendation. Past performance does not predict future returns. For authoritative live quotes see NSE / BSE directly.

Quarter	EPS estimate	EPS actual	Surprise %
-1q	57.70	66.16	+14.7%
-2q	48.96	58.42	+19.3%
-3q	41.05	50.97	+24.2%
-4q	38.30	37.56	-1.9%

Date	Amount
2026-04-17	₹30.00
2025-04-25	₹26.00
2024-05-31	₹24.00
2023-04-18	₹22.00
2022-04-25	₹20.00
2021-04-22	₹20.00
2020-03-23	₹15.00
2019-04-11	₹12.00
2018-02-15	₹10.00
2017-03-30	₹6.00

Metric	2022-FY	2023-FY	2024-FY	2025-FY
Equity capital	401	401	401	401
Reserves	8,871	10,995	13,509	16,796
Borrowings	54,362	55,506	67,742	98,815
Total liabilities	76,316	80,149	96,470	1,32,860
Fixed assets	354	422	556	666
CWIP	57	80	120	32
Investments	632	627	852	2,526
Total assets	76,316	80,149	96,470	1,32,860

Metric	2022-FY	2023-FY	2024-FY	2025-FY
CF Operating	-1,596	-2,804	-13,605	-26,525
CF Investing	422	181	45	-1,376
CF Financing	3,445	395	11,809	30,041
Net cash flow	2,260	-2,229	-1,749	2,142
Free cash flow	-1,694	-2,945	-13,828	-26,742

Metric	2025-FY	2024-FY	2023-FY	2022-FY
Net margin %	41.5%	44.8%	46.9%	50.5%
ROE %	34.3%	34.2%	35.0%	43.3%
ROCE %	14.9%	15.4%	14.0%	15.2%
Debt / Equity	5.75	4.87	4.87	5.86
Interest coverage	2.0×	2.1×	2.2×	2.3×
Revenue growth YoY	+33.1%	+25.2%	-3.2%	—
Profit growth YoY	+23.3%	+19.7%	-10.1%	—

MUTHOOTFINMuthoot Finance Ltd

Price chart · 1M–10Y · daily-close

Stock scorecard

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

SWOT analysis

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Quarterly results

Annual P&L

Peer comparison · Financial Services

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Technical snapshot

Earnings history + surprises

Dividends + splits history

Stock scorecard

SWOT analysis

Recent news

DVM composite · Durability · Valuation · Momentum

Valuation positioning

Monthly seasonality

Monthly return distribution

Fundamentals

Pros and cons

Sector-relative context

Quality score · Piotroski F-score

Quarterly results

Annual P&L

Balance sheet

Cash flow statement

Ratios

Peer comparison · Financial Services