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On 6 Nov 2026, Muthoot Finance was priced at ₹2,869.00, or 9.4× trailing earnings, and the shares are 31% below their 52-week high. Net profit grew 43% a year over 3 years; its ROE of 32% is the highest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 2.62× book value and its dividend yield is 1.1%. It is a large-cap company with a market cap of ₹1.2 lakh crore, ranked 5th of 193 Credit Services companies by market cap; the shares fell 11% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹2,789.80
Day high
₹2,872.20
Day low
₹2,775.20
Prev. close
₹2,839.00
Volume
9.9 L

Health check

3 good · 1 fair · 2 to check
  • ReturnsIn line

    −11.0% over a year, better than 3 of 7 peers.

  • Price tagPricier

    P/B 2.62 vs peer median 2.03.

  • GrowthStrong

    Profit +43.1% a year over 3 years.

  • ProfitabilityStrong

    ROE 31.6% vs peer median 16.9%.

  • Balance sheetSolid

    Return on assets 6.31%. Bad-loan data isn’t covered.

  • Red flags1 to check

    31% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Large cap

₹1.2L Cr, #5 of 193 in its industry by size.

Defensive

Beta 0.56 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹22,536 Cr · profit ₹12,199 Cr
Market cap
₹1.2L Cr
Large cap
P/E
9.4
Industry 15.9
Price to book
2.62
Peers 2.03
Dividend yield
1.06%
ROE
31.6%
Peers 16.9%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹303.86
Face value ₹10
OPM (TTM)
77.3%
Net margin 54.1%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+34.1%
Latest quarter vs a year ago
Price to sales
5.11

Strengths and risks

Strengths

  • Return on equity of 31.6%.
  • Quarterly profit up 34.1% on a year ago.

Risks to check

  • 31% below its 52-week high.

Derived automatically from reported figures. Not a recommendation.

About Muthoot Finance

Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small business, home, corporate business, SME, and vehicle loans, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, bike, and group insurance; housing and micro finance; and mutual funds. It also provides PAN card services; money transfer; non-convertible…

Headquarters
Kochi
Employees
31,613
Sector
Financial Services
ISIN
INE414G01012
Website
muthootfinance.com

Price range

52 weeks

₹2,305.00₹4,149.50

Today

₹2,775.20₹2,872.20
Avg volume (3M)
7.8 L
1-year return
minus 11.0%
From 52-week high
minus 30.9%

Analyst consensus

22 analysts
BuyMean target ₹3,078.86 plus 7.3%

Target range, with today’s price

Low ₹2,140.00High ₹4,500.00

Next results expected around 29 Jan 2027

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.79%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.06%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.98%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.75%minus 34.4%
RECLTDREC296.65plus 0.30%78,1155.20.8216.9%2.3%13.5%4.73%minus 20.2%
Median of 7 peers–0.37%1,50,97916.02.0316.9%2.6%18.0%1.79%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrSep 25Dec 25Mar 26Jun 26Sep 26
4,7285,3206,1375,2366,294
2,5712,9193,1553,4583,717
37.640.524.531.438.2
3,2443,8224,5843,7974,399
25.7%26.1%25.9%25.6%25.5%
2,4212,8043,3492,7993,247
60.3069.8483.4369.7280.87

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+43.1%
EPS CAGR 3Y
+43.1%
ROE
31.6%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
7,7109,65612,85320,265
–+25.2%+33.1%+57.7%
4,2095,4307,41211,000
78.292.1116137
−2−3.5−4.5−8.6
4,9235,9977,26614,305
25.5%25.5%26.3%25.9%
3,6124,3245,33310,590
–+19.7%+23.3%+98.6%
89.98107.71132.83263.79

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
401401401401
21,26424,70628,96538,729
55,50667,74298,8151,51,036
2,9773,6214,6785,588
80,14996,4701,32,8601,95,754
422556666692
80.512031.918.3
6278522,5262,463
8,0746,3898,48613,021
70,94688,5531,21,1501,79,560
80,14996,4701,32,8601,95,754

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−2,804−13,605−26,525−47,393
18145.4−1,3762,458
39511,80930,04149,320
−2,228−1,7512,1404,385
−141−222−217−153
−2,945−13,828−26,742−47,545
−803−884−965−1,044

Shareholding pattern

Source: NSE filings
73.3%
promoters
  • Promoters73.35%
  • Public26.65%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202673.35%26.65%0.00
30 Jun 202673.35%26.65%0.00
31 Mar 202673.35%26.65%0.00
31 Dec 202573.35%26.65%0.00
30 Sep 202573.35%26.65%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you