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10 Yrs X-Ray 
Valuation 
Analyst Note 
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About
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
₹246.60 -2.00 (-0.80%)
As on 25-Aug'26 16:59
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
₹246.60 -2.00 (-0.80%)
As on 25-Aug'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹406 Cr.
Current Price
₹246.6
52-Week Low / High
₹176 / 320
TTM EPS
₹14.6
Book Value per Share
₹412.6
P/E Ratio
16.92
Higher than its 5-year historical median
Industry PE
28.1
Price to Book (P/B)
0.60
Lower than its 5-year historical median
EV/EBITDA
9.11
Higher than its 5-year historical median
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
1.68%
Return on Capital Employed (ROCE)
8.83%
Return on Assets (ROA)
0.30%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
23.07%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
1.88%
Asset Quality
Gross NPA(%)
6.96%
Net NPA(%)
4.12%
TTM Sales
₹630 Cr.
Reserves
₹662 Cr.
Equity
₹16.5 Cr.
Face Value
₹10
All Time Low / High
₹0.74 / 1300.00
Check Before You Invest
Quality
Somewhat GoodValuation
UndervaluedCheck Valuation charts
Price Trend
Strong
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?
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 9.9%, indicating slower growth and losing its market share.
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.
Stock return of Muthoot Capital Services Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 3.2% 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 endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
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'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 284 | 398 | 518 | 586 | 504 | 411 | 443 | 398 | 472 | 621 | 630 | |
| YoY Gr. Rt. % | - | 40% | 30.4% | 13.1% | -14% | -18.5% | 7.7% | -10% | 18.4% | 31.6% | - | |
| Adj EPS (₹ ) | 21.9 | 32.6 | 52.3 | 36.8 | 31.3 | -98.4 | 47.8 | 74.6 | 27.8 | 6.8 | 14.6 | |
| YoY Gr. Rt. % | - | 48.8% | 60.4% | -29.8% | -14.9% | -414.7% | NA | 55.9% | -62.7% | -75.6% | - | |
| BVPS (₹ ) | 129.7 | 239.5 | 271.9 | 308.4 | 340.2 | 250.1 | 297.5 | 371.9 | 400.1 | 407.6 | 412.6 | |
| YoY Gr. Rt. % | - | 84.6% | 13.5% | 13.5% | 10.3% | -26.5% | 19% | 25% | 7.6% | 1.9% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 2.6 | 3.3 | 3.8 | 2.2 | 1.9 | -7.1 | 3.6 | 5.3 | 1.6 | 0.3 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 9.1% | 4.2% | 11.9% | 31.6% | ||||
| Adj EPS | -12.2% | -26.3% | -47.8% | -75.6% | ||||
| BVPS | 13.6% | 3.7% | 11.1% | 1.9% | ||||
| Share Price | 3% | -8.9% | -14% | -9.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 10.6 | 13.5 | 16.6 | 10.3 | 10.2 | -39.4 | 17.8 | 30.8 | 9.7 | 1.8 | 3.8 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 18.5 | 18.8 | 20.5 | 12.7 | 9.7 | -33.4 | 17.5 | 22.3 | 7.2 | 1.7 | 3.5 | |
Valuation of Muthoot Capital Serv - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 284 | 398 | 519 | 587 | 505 | 411 | 443 | 509 | 493 | 633 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 111 | 21 | 12 |
| Expenditure ⓘ + | 238 | 316 | 386 | 493 | 436 | 627 | 334 | 441 | 432 | 615 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 96 | 0 | -2 |
| Profit Before Tax ⓘ | 46 | 82 | 133 | 93 | 70 | -216 | 109 | 164 | 60 | 16 |
| Taxes ⓘ | 16 | 29 | 47 | 33 | 18 | -54 | 30 | 42 | 15 | 4 |
| Profit After Tax | 30 | 54 | 86 | 60 | 51 | -162 | 79 | 123 | 46 | 11 |
| Adjusted EPS (₹) | 21.9 | 32.6 | 52.3 | 36.8 | 31.3 | -98.4 | 47.8 | 74.6 | 27.8 | 6.8 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 178 | 394 | 447 | 507 | 560 | 411 | 489 | 612 | 658 | 670 |
| Short term borrowings | 815 | 1,253 | 1,160 | 1,244 | 1,010 | 905 | 881 | 1,291 | 1,778 | 2,295 |
| Long Term Borrowings | 118 | 91 | 934 | 1,081 | 914 | 621 | 919 | 314 | 1,037 | 985 |
| Current Liabilities | 976 | 1,481 | 1,226 | 1,298 | 1,064 | 966 | 934 | 1,333 | 1,850 | 2,366 |
| Trade Payables | 10 | 16 | 22 | 16 | 21 | 28 | 30 | 15 | 27 | 31 |
| Other Liabilities | -825 | -1,269 | -1,182 | -1,260 | -1,031 | -934 | -910 | -1,306 | -1,805 | -2,326 |
| Total Liabilities ⓘ | 1,272 | 1,966 | 2,608 | 2,886 | 2,538 | 1,999 | 2,343 | 2,259 | 3,545 | 4,021 |
Assets | ||||||||||
| Non Current Asset + | 517 | 849 | 2,500 | 2,448 | 1,895 | 1,629 | 1,731 | 1,978 | 3,160 | 3,513 |
| Current Asset + | 755 | 1,117 | 107 | 438 | 643 | 369 | 612 | 280 | 384 | 508 |
| Total Assets ⓘ | 1,272 | 1,966 | 2,608 | 2,886 | 2,538 | 1,999 | 2,343 | 2,259 | 3,545 | 4,021 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -99 | -614 | -501 | 24 | 670 | 73 | -46 | -7 | -1,096 | -375 |
| Cash Flow From Investing Activity ⓘ | -2 | -3 | 0 | 2 | 1 | -9 | -17 | -63 | -8 | -24 |
| Cash Flow From Financing Activity ⓘ | 107 | 619 | 529 | 229 | -416 | -311 | 272 | -251 | 1,220 | 467 |
| Net Cash Flow ⓘ | 6 | 2 | 29 | 255 | 255 | -248 | 209 | -321 | 116 | 68 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 24.10 | 32.60 | 52.30 | 36.80 | 31.30 | -98.40 | 47.80 | 74.60 | 27.80 | 6.80 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| BVPS (₹) | 142.7 | 239.5 | 271.9 | 308.4 | 340.2 | 250.1 | 297.5 | 371.9 | 400.1 | 407.6 |
Performance Ratios | ||||||||||
| ROA (%) | 2.6 | 3.3 | 3.8 | 2.2 | 1.9 | -7.1 | 3.6 | 5.3 | 1.6 | 0.3 |
| ROE (%) | 18.5 | 18.8 | 20.5 | 12.7 | 9.7 | -33.4 | 17.5 | 22.3 | 7.2 | 1.7 |
| ROCE (%) | 13.7 | 13.7 | 14.2 | 11.8 | 9.6 | -2.9 | 11.6 | 14.3 | 9.8 | 8.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.9 | 3.1 | 3.3 | 0.8 | 1.1 | 1.0 | 0.9 | 0.7 | 0.6 | 0.4 |
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Announcements
Muthoot Capital Services Ltd FAQs
The current trading price of Muthoot Capital Serv on 25-Aug-2026 16:59 is ₹246.6.
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-Aug-2026 the market cap of Muthoot Capital Serv stood at ₹405.6 Cr
The latest P/E ratio of Muthoot Capital Serv as of 24-Aug-2026 is 16.92.
The latest P/B ratio of Muthoot Capital Serv as of 24-Aug-2026 is 0.60.
The 52-week high of Muthoot Capital Serv is ₹319.9 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 ₹630 ( 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 Strong which suggest that the price of Muthoot Capital Services Ltd is likely to Rise 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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