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Muthoot Capital Services Ltd (MUTHOOTCAP)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511766 NSE: MUTHOOTCAP Finance - NBFC | Small Cap | Muthoot Capital Serv Share Price

₹203.10 -2.00 (-0.98%)

As on 25-Jun'26 16:01

Muthoot Capital Services Ltd (MUTHOOTCAP)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511766 NSE: MUTHOOTCAP Finance - NBFC | Small Cap | Muthoot Capital Serv Share Price

₹203.10 -2.00 (-0.98%)

As on 25-Jun'26 16:01

Key Metrics
Valuation Multiples
Market Cap
₹337 Cr.
Current Price
₹203.1
52-Week Low / High
₹176 / 367
TTM EPS
₹6.8
Book Value per Share
₹407.6
P/E Ratio
30.19
Higher than its 5-year historical median
Industry PE
28.1
Price to Book (P/B)
0.50
Lower than its 5-year historical median
EV/EBITDA
5.31
Lower than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
7.21%
Return on Capital Employed (ROCE)
9.82%
Return on Assets (ROA)
1.58%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
7.47%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
7.57%
Asset Quality
Gross NPA(%)
4.88%
Net NPA(%)
2.30%
TTM Sales
₹620 Cr.
Reserves
₹654 Cr.
Equity
₹16.5 Cr.
Face Value
₹10
All Time Low / High
₹0.74 / 1300.00

Muthoot Capital Services stock performance

Key Ratios
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Check Before You Invest

Quality

Somewhat Good

Valuation

Undervalued

Price Trend

Semi Strong
Q.1 Is Muthoot Capital Services Ltd a good quality company?
Muthoot Capital Services Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

How does Muthoot Capital Services Ltd performance compare with that of its Peers?
Q.1 AUM Growth of Muthoot Capital Services Ltd vs Industry Peers?
Muthoot Capital Services Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of Muthoot Capital Services Ltd?
Promoters hold 63.33% of the Muthoot Capital Services Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Muthoot Capital Services Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 1.8% based on the current price.

10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Muthoot Capital Services Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)228284398518586504411443398472620
YoY Gr. Rt. %-24.7%40%30.4%13.1%-14%-18.5%7.7%-10%18.4%-
Adj EPS (₹ ) 16.721.932.652.336.831.3-98.447.874.627.86.8
YoY Gr. Rt. %-31.6%48.8%60.4%-29.8%-14.9%-414.7%NA55.9%-62.7%-
BVPS (₹ )107.8129.7239.5271.9308.4340.2250.1297.5371.9400.1407.6
YoY Gr. Rt. %-20.3%84.6%13.5%13.5%10.3%-26.5%19%25%7.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.42.63.33.82.21.9-7.13.65.31.60

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income8.4%-4.3%4.7%18.4%
Adj EPS5.9%-5.4%NA-62.7%
BVPS15.7%5.3%17%7.6%
Share Price 1% -12.9% -18.7% -37.6%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)1010.613.516.610.310.2-39.417.830.89.71.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)16.318.518.820.512.79.7-33.417.522.37.21.7

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 228284398519587505411443509493
Interest Income228284398518586504411443398472
Other Income 19233751851053361311737
Exceptional Items 1000010011121
Expenditure + 193238316386493436627334441432
Interest Expense 87104123179228187150148168224
Operating Expenses 87111156156181144141173156171
Provisions 19233751851053361311737
Exceptional Items 00000000960
Profit Before Tax 3546821339370-21610916460
Taxes 131629473318-54304215
Profit After Tax 233054866051-1627912346
Adjusted EPS (₹)16.721.932.652.336.831.3-98.447.874.627.8
Dividend Payout Ratio (%)30%0%0%0%0%0%0%0%0%0%

Valuation of Muthoot Capital Serv - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +148178394447507560411489612658
Share Capital 12121616161616161616
Reserves 135166377431491543395473595642
Short term borrowings7338151,2531,1601,2441,0109058811,2911,778
Long Term Borrowings25118919341,0819146219193141,037
Current Liabilities 8959761,4811,2261,2981,0649669341,3331,850
Trade Payables0101622162128301528
Other Liabilities-733-825-1,269-1,182-1,260-1,031-934-910-1,306-1,806
Total Liabilities 1,0671,2721,9662,6082,8862,5381,9992,3432,2593,545

Assets

Non Current Asset +185178492,5002,4481,8951,6291,7311,9783,160
Loan Asset 04928282,4762,4281,8721,5971,6811,8552,980
Other Non Current Asset 1824212420243250123180
Current Asset +1,0507551,117107438643369612280384
Current Investment0008500000
Other Current Asset1,0507551,11799433643369612280384
Total Assets 1,0671,2721,9662,6082,8862,5381,9992,3432,2593,545

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -166-99-614-5012467073-46-7-1,097
Cash Flow From Investing Activity 0-2-3021-9-17-63-8
Cash Flow From Financing Activity 165107619529229-416-311272-2511,220
Net Cash Flow -06229255255-248209-321116

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)18.3024.1032.6052.3036.8031.30-98.4047.8074.6027.80
DPS (₹)5.50000000000
BVPS (₹)118.6142.7239.5271.9308.4340.2250.1297.5371.9400.1

Performance Ratios

ROA (%)2.42.63.33.82.21.9-7.13.65.31.6
ROE (%)16.318.518.820.512.79.7-33.417.522.37.2
ROCE (%)13.213.713.714.211.89.6-2.911.614.39.8

Valuation Parameters

Price/Book(x)1.21.93.13.30.81.11.00.90.70.6

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

Muthoot Capital Services Ltd FAQs

The current trading price of Muthoot Capital Serv on 25-Jun-2026 16:01 is ₹203.1.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 24-Jun-2026 the market cap of Muthoot Capital Serv stood at ₹337.3 Cr

The latest P/E ratio of Muthoot Capital Serv as of 24-Jun-2026 is 30.19.

The latest P/B ratio of Muthoot Capital Serv as of 24-Jun-2026 is 0.50.

The 52-week high of Muthoot Capital Serv is ₹366.7 and the 52-week low is ₹176.4.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Muthoot Capital Serv is ₹620 ( Cr.) .

Past 10 year's financial track record analysis by Moneyworks4me indicates that Muthoot Capital Services Ltd is a average quality company.

The key valuation ratios of Muthoot Capital Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Muthoot Capital Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

About Muthoot Capital Services Ltd

Muthoot Capital Services (MCSL), established in 1994, stands as a trusted and forward-looking Non-Banking Financial Company (NBFC) in India. A proud member of the Muthoot Pappachan Group, MCSL is registered with the Reserve Bank of India (RBI) as a Deposit-Taking Non-Banking Financial Company and is publicly listed on both BSE Limited and the National Stock Exchange of India (NSE). The company’s debt instruments are actively traded on the BSE, reflecting strong market confidence in its financial stability.

For decades, the company has been enabling financial inclusion across India by offering accessible, timely, and customer-centric credit solutions. Through the extensive branch network of Muthoot FinCorp Limited, along with dealership tie-ups and digital platforms, the company serves a diverse customer base, including retail, corporate, and institutional clients.

The company’s portfolio features a growing range of fund-based offerings, including Two-Wheeler Loans, Used Car Loans, Business Loans, and investment products such as Fixed Deposits and Subordinated Debentures. Each of these offerings is tailored to support the evolving aspirations of its customers - whether related to mobility, entrepreneurship, or wealth creation.

Business area of the company

The company is engaged in the business of financing for purchase of automobiles, mainly two wheelers, used four wheelers and commercial vehicles against hypothecation of the vehicles and granting of personal/ business loans etc.

Products

  • Two-Wheeler Loan
  • Car Loan
  • Fixed Deposits
  • Commercial Vehicle
  • Loyalty Loans

Milestones/ Achievements/ Awards

  • 1994: Started Operations
  • 1995: Listed on BSE
  • 1998: Acquired Deposit-Taking NBFC Licence from RBI
  • 2008: Entered the Two-Wheeler financing segment
  • 2013: Started to accept Fixed Deposits
  • 2014: AUM crosses Rs 500 crore
  • 2015: Listed on National Stock Exchange
  • 2016: AUM crosses Rs 1000 crore
  • 2018: MCSL ranks among Top 50 NBFC across India
  • 2019: AUM crosses Rs 2000 crore
  • 2022: Rated CRISIL A+
  • 2022: Started Co-lending business
  • 2023: India’s Most Trusted Companies Award.
  • 2023: International Brand Consulting Crop.
  • 2024: Best Vehicle Financer of the Year Award – Lendtech
  • 2025: AUM crosses Rs 3000 crore
  • 2025: Acquired Corporate Agency Licence from IRDAI
  • 2025: Awarded ISO/IEC 27001:2022
  • 2025: ESG Impact Rating of 73

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