Muthoot Finance Ltd
NSE: MUTHOOTFIN BSE: 533398
₹3721.70
(2.69)%
Wed, 04 Feb 2026, 05:30 pm
Market Cap1455.02B
PE Ratio20.46
Dividend0.72
Finance
Finance/Rental/Leasing
24.5KAnalysis
dividend
- Dividends paid are well covered by earnings (5.9x coverage).
- Muthoot Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Dividend payments have increased, but Muthoot Finance only paid a dividend in the past 8 years.
- Muthoot Finance has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
- Muthoot Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- Muthoot Finance is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- A decline in Muthoot Finance's performance (ROE) is expected over the next 3 years.
health
- Muthoot Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Muthoot Finance is profitable, therefore cash runway is not a concern.
- Muthoot Finance is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.3x debt.
- Muthoot Finance's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (341.4% vs 306.7% today).
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- Muthoot Finance's level of debt (306.7%) compared to net worth is high (greater than 40%).
management
- The tenure for the Muthoot Finance board of directors is about average.
- George's compensation has been consistent with company performance over the past year, both up more than 20%.
- The tenure for the Muthoot Finance management team is about average.
- George's remuneration is higher than average for companies of similar size in India.
misc
- Muthoot Finance is covered by less than 3 analysts.
- Muthoot Finance has significant price volatility in the past 3 months.
past
- Muthoot Finance's 1-year earnings growth exceeds its 5-year average (40.8% vs 24.8%)
- Muthoot Finance has delivered over 20% year on year earnings growth in the past 5 years.
- Muthoot Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Muthoot Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (40.8% vs 11%).
- Whilst Muthoot Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
value
- MUTHOOTFIN outperformed the Consumer Finance industry which returned -28.8% over the past year.
- MUTHOOTFIN outperformed the Market in India which returned -14.5% over the past year.
- NSEI:MUTHOOTFIN is up 19.6% outperforming the Consumer Finance industry which returned 10.3% over the past month.
- NSEI:MUTHOOTFIN is up 19.6% outperforming the market in India which returned 8% over the past month.
- Muthoot Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Muthoot Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- Muthoot Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
- Muthoot Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.
- Muthoot Finance is overvalued based on earnings compared to the India market.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800