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1. Is Muthoot Finance Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that Muthoot Finance Ltd is a average quality company.
2. Is Muthoot Finance Ltd undervalued or overvalued?
The key valuation ratios of Muthoot Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
3. Is Muthoot Finance Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Muthoot Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||4,928||4,314||4,861||5,729||6,267||6,878||8,715||10,557||11,082||10,515||10,930|
|YoY Gr. Rt. %||-||-12.5%||12.7%||17.8%||9.4%||9.8%||26.7%||21.1%||5%||-5.1%||-|
|Adj EPS (₹ )||21||16.9||20.3||29.5||44.4||49.2||75.3||92.8||98.5||86.5||90.8|
|YoY Gr. Rt. %||-||-19.7%||20.4%||45.5%||50.5%||10.8%||52.9%||23.3%||6.2%||-12.2%||-|
|BVPS (₹ )||114.5||127.2||140.3||162.6||194.8||244||288.2||379.6||456.9||524.6||527.5|
|YoY Gr. Rt. %||-||11.2%||10.3%||15.9%||19.8%||25.2%||18.1%||31.7%||20.4%||14.8%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||2.8||2.5||3||4||5.7||5.7||6.8||6.5||5.9||4.9||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||8.8%||10.9%||6.5%||-5.1%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||Mar'23||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||1.6||1.9||2.5||1.7||6.2||0.7||1.7||0||0||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||24.7||24.8||24.5||24.9||26.6||26.1||25.5||0||0||0||-|
|Net Profit Margin (%)||15.8||15.5||16.7||20.6||28.4||28.7||34.6||35.3||35.7||33||33.4|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||19.5||14.4||15.2||19.5||24.9||22.5||28.3||27.8||23.6||17.6||17.2|
Total Income has increased 6.46 CAGR in last 3 years
Net Profit has increased 4.76 CAGR in last 3 years
Return on Equity has declined versus last 3 years average to 17.30%
Total income growth is poor in last 4 quarters
|TTM EPS (₹)||90.8||95|
|TTM Sales (₹ Cr.)||10,930||12,425|
|BVPS (₹.) ⓘ||527.5||543.8|
|Reserves (₹ Cr.) ⓘ||20,776||21,430|
|From the Market|
|52 Week Low / High (₹)||911.40 / 1379.95|
|All Time Low / High (₹)||73.60 / 1722.55|
|Market Cap (₹ Cr.)||50,908|
|Equity (₹ Cr.)||401.5|
|Face Value (₹)||10|
|Industry PE ⓘ||24.9|
Muthoot Finance Limited was incorporated as a private limited Company on March 14, 1997 and was converted into a public limited Company on November 18, 2008. The Company is promoted by Mr. M. G. George Muthoot, Mr. George Thomas Muthoot, Mr. George Jacob Muthoot and Mr. George Alexander Muthoot collectively operating under the brand name of ‘The Muthoot Group’, which has diversified interests in the fields of Financial Services, Healthcare, Education, Plantations, Real Estate, Foreign Exchange, Information Technology, Insurance Distribution, Hospitality etc. The Company obtained permission from the Reserve Bank of India for carrying on the business of Non-Banking Financial Institutions on 13-11-2001. The Company is presently classified as Systemically Important Non-Deposit Taking NBFC (NBFC-ND-SI).
Business area of the company
Muthoot Finance is a non-banking financial company (NBFC), which is engaged in providing loan (financing) against collateral of gold jewelry. The company offers gold loans, foreign inward money transfer services, foreign exchange services, insurance broking etc.
Services offered by the company