Muthoot Finance

Why is Muthoot Finance Ltd falling/rising?

As of 25-Aug, Muthoot Finance Ltd's stock price is rising to 3,212.50, reflecting a 0.55% increase. This rise is driven by strong recent performance, increased investor interest, and solid long-term growth fundamentals.

As of 25-Aug, Muthoot Finance Ltd's stock price is rising, currently at 3,212.50, reflecting an increase of 17.5 points or 0.55%. This upward movement can be attributed to several factors highlighted in the recent performance data. The stock has shown a strong performance over the past week, gaining 11.00%, significantly outperforming the Sensex, which only increased by 0.54%. Additionally, the stock has been on a consecutive gain streak for the last four days, accumulating a total return of 12.36% during this period.<BR><BR>Investor participation has also surged, with delivery volume on 24 August rising by 182.49% compared to the 5-day average, indicating increased interest and confidence among investors. The stock's liquidity is adequate, allowing for substantial trade sizes, which further supports its rising price.<BR><BR>From a fundamental perspective, Muthoot Finance Ltd has demonstrated strong long-term growth, with net sales increasing at an annual rate of 22.98% and operating profit growing at 23.72%. The company has consistently reported positive results for the last 13 quarters, with a notable growth in profit before tax and cash reserves. Furthermore, the stock's return on equity stands at a healthy 20.93%, and it has outperformed the broader market over the past year, generating a return of 19.28%.<BR><BR>Overall, the combination of strong recent performance, rising investor participation, and solid fundamental growth prospects contributes to the rising stock price of Muthoot Finance Ltd.

Which are the latest news on Muthoot Finance?

Who are in the management team of Muthoot Finance?

The management team of Muthoot Finance includes key individuals such as George Jacob Muthoot (Chairman), George Alexander Muthoot (Managing Director), and several other whole-time and independent directors, bringing diverse experience and leadership to the company.

The management team of Muthoot Finance includes the following key individuals:<BR><BR>1. **George Thomas Muthoot** - Whole-time Director<BR>2. **George Jacob Muthoot** - Chairman & Whole-time Director<BR>3. **George Alexander Muthoot** - Managing Director<BR>4. **Alexander M George** - Whole-time Director<BR>5. **Jose Mathew** - Non-Executive & Independent Director<BR>6. **Jacob Benjamin Koshy** - Non-Executive & Independent Director<BR>7. **Rajesh A** - Company Secretary & Compliance Officer<BR>8. **V Antony George** - Non-Executive & Independent Director<BR>9. **Ravindra Pisharody** - Non-Executive & Independent Director<BR>10. **Abraham Chacko** - Non-Executive & Independent Director<BR>11. **George Muthoot Jacob** - Whole-time Director<BR>12. **Usha Sunny** - Independent Director<BR>13. **George Muthoot George** - Whole-time Director<BR>14. **George Alexander** - Whole-time Director<BR>15. **Chamacheril Abraham Mohan** - Independent Director<BR><BR>This diverse team brings a wealth of experience and leadership to the company.

What does Muthoot Finance do?

Muthoot Finance Ltd is India's largest gold financing company, operating as a Non-Banking Financial Company (NBFC) with a market cap of INR 116,221 Cr. It reported net sales of 8,672 Cr and a net profit of 2,799 Cr for June 2026.

Overview:<BR>Muthoot Finance Ltd is the largest gold financing company in India, operating in the Non Banking Financial Company (NBFC) sector and categorized as a Large Cap entity.<BR><BR>History:<BR>Muthoot Finance Ltd was incorporated in an unspecified year and has maintained its status as a leading gold financing company. The latest quarterly results reported are for June 2026, showcasing significant sales and profit figures.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 8,672 Cr (Quarterly Results - Jun 2026) <BR>Most recent Net Profit: 2,799 Cr (Quarterly Results - Jun 2026) <BR>Market-cap value: INR 116,221 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 10.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 1.03% <BR>Debt Equity: 4.02 <BR>Return on Equity: 28.01% <BR>Price to Book: 2.87 <BR><BR>Contact Details:<BR>Address: Muthoot Chambers 2nd Floor, Opp Saritha Theatre Banerji Rd Kochi Kerala : 682018 <BR>Tel: 91-484-2394712 <BR>Email: mails@muthootgroup.com <BR>Website: http://www.muthootfinance.com

Who are the peers of the Muthoot Finance?

Muthoot Finance's peers include Bajaj Finance, Shriram Finance, Jio Financial, Cholaman.Inv.&Fn, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and M & M Fin. Serv. In terms of performance, Shriram Finance leads with an 82.16% 1-year return, while Muthoot Finance has a 14.35% return, and Jio Financial shows a decline of -22.84%.

Peers: The peers of Muthoot Finance are Bajaj Finance, Shriram Finance, Jio Financial, Cholaman.Inv.&Fn, Aditya Birla Cap, L&T Finance Ltd, SBI Cards, HDB FINANC SER, and M & M Fin. Serv.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, and SBI Cards, while Good management risk is found at Shriram Finance, Aditya Birla Cap, and HDB FINANC SER. Average management risk is present at Jio Financial, L&T Finance Ltd, and M & M Fin. Serv. For Growth, Excellent growth is noted at Jio Financial, while Good growth is seen at Bajaj Finance, Shriram Finance, Cholaman.Inv.&Fn, Muthoot Finance, Aditya Birla Cap, and M & M Fin. Serv. Below Average growth is found at L&T Finance Ltd and HDB FINANC SER. In terms of Capital Structure, Excellent capital structure is observed at Bajaj Finance, Shriram Finance, Jio Financial, Muthoot Finance, Aditya Birla Cap, L&T Finance Ltd, and SBI Cards, while Good capital structure is noted at Cholaman.Inv.&Fn and HDB FINANC SER.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Shriram Finance at 82.16%, while Jio Financial has the lowest at -22.84%. Muthoot Finance's 1-year return of 14.35% is lower than Shriram Finance's but higher than Jio Financial's. Additionally, the six-month return is negative for Jio Financial, SBI Cards, and HDB FINANC SER.

How big is Muthoot Finance?

As of 14th August, Muthoot Finance Ltd has a market capitalization of 114,396.43 Cr, with recent net sales of 33,430.70 Cr and a net profit of 11,373.20 Cr. The company reported shareholder's funds of 39,130.32 Cr and total assets of 1,95,542.04 Cr for the latest annual period ending in March 2026.

As of 14th August, Muthoot Finance Ltd has a market capitalization of 114,396.43 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest four quarters, Muthoot Finance reported Net Sales of 33,430.70 Cr and a Net Profit of 11,373.20 Cr.<BR><BR>For the latest annual period ending in March 2026, the company had Shareholder's Funds of 39,130.32 Cr and Total Assets amounting to 1,95,542.04 Cr.

Are Muthoot Finance Ltd latest results good or bad?

Muthoot Finance Ltd's latest results show strong year-on-year growth with a 38.83% increase in net profit, but a 16.43% decline compared to the previous quarter raises concerns about sustainability. Overall, the fundamentals are solid, leading to a positive investor reaction despite the sequential dip.

Muthoot Finance Ltd's latest results present a mixed picture. On one hand, the company reported a consolidated net profit of ₹2,799.07 crores for Q1 FY27, which is a significant year-on-year increase of 38.83%. This indicates strong operational performance and growth compared to the same quarter last year. Additionally, interest income rose by 34.44% year-on-year, showcasing the company's ability to expand its gold loan portfolio effectively.<BR><BR>However, there are concerns regarding the sequential performance, as the net profit declined by 16.43% compared to the previous quarter. This drop was influenced by a 6.64% decrease in interest income from the preceding quarter, which had benefitted from seasonal factors. The operating margin improved to 83.76%, reflecting good cost control and operational efficiency.<BR><BR>Overall, while the year-on-year growth metrics are strong and indicate a robust business model, the sequential decline raises questions about sustainability. Investors reacted positively to the results, as evidenced by a 3.71% increase in the stock price following the announcement. Therefore, while the fundamentals remain strong, the sequential moderation suggests a need for cautious optimism.

Should I buy, sell or hold Muthoot Finance Ltd?

When is the next results date for Muthoot Finance Ltd?

The next results date for Muthoot Finance Ltd is 14 May 2026.

The next results date for Muthoot Finance Ltd is scheduled for 14 May 2026.

How has been the historical performance of Muthoot Finance?

Muthoot Finance has shown consistent growth in net sales and profits, with net sales increasing from ₹7,594.43 Cr in Mar'19 to ₹20,214.17 Cr in Mar'25, and profit after tax rising from ₹2,102.96 Cr to ₹5,352.36 Cr in the same period. Total assets and liabilities also grew significantly, reflecting a robust expansion strategy despite recent fluctuations in cash flow.

Answer:<BR>The historical performance of Muthoot Finance shows a consistent upward trend in net sales and profits over the years.<BR><BR>Breakdown:<BR>Muthoot Finance has demonstrated significant growth in net sales, increasing from 7,594.43 Cr in Mar'19 to 20,214.17 Cr in Mar'25. Total operating income followed a similar trajectory, rising from 7,594.43 Cr in Mar'19 to 20,214.17 Cr in Mar'25. Operating profit (PBDIT) also saw a notable increase, reaching 14,794.30 Cr in Mar'25 from 5,846.69 Cr in Mar'19. Profit before tax rose to 7,266.01 Cr in Mar'25, up from 3,259.53 Cr in Mar'19, while profit after tax reached 5,352.36 Cr in Mar'25, compared to 2,102.96 Cr in Mar'19. The company's total assets grew significantly from 54,864.59 Cr in Mar'20 to 1,32,658.27 Cr in Mar'25, reflecting a robust expansion strategy. Total liabilities also increased, from 54,864.59 Cr in Mar'20 to 1,32,658.27 Cr in Mar'25, primarily driven by short-term borrowings which rose from 40,679.18 Cr in Mar'20 to 98,790.43 Cr in Mar'25. Despite fluctuations in cash flow from operating activities, which saw a negative trend in recent years, the net cash inflow turned positive at 2,141.00 Cr in Mar'25, indicating improved liquidity. Overall, Muthoot Finance's financial metrics reflect a strong growth trajectory and operational resilience over the years.

Is Muthoot Finance overvalued or undervalued?

As of November 10, 2025, Muthoot Finance is considered overvalued with a PE ratio of 21.72, despite strong performance and a competitive ROE of 20.96%, especially when compared to peers like Bajaj Finance and Life Insurance.

As of 10 November 2025, Muthoot Finance's valuation grade has moved from very expensive to expensive, indicating a slight improvement in perceived value. The company is currently considered overvalued. Key ratios include a PE ratio of 21.72, an EV to EBITDA of 13.66, and a PEG ratio of 0.57, which suggests that while the company has growth potential, its current valuation may not fully reflect its earnings prospects.<BR><BR>In comparison to its peers, Muthoot Finance's PE ratio is significantly lower than Bajaj Finance's 38.76, which is classified as very expensive, and higher than Life Insurance's attractive PE of 11.14. The company's return on equity (ROE) stands at 20.96%, which is competitive but does not justify its current price level when compared to peers like Bajaj Finserv, which also has an expensive valuation at a PE of 35.58. Notably, Muthoot Finance has outperformed the Sensex over various periods, including a year-to-date return of 55.53% compared to the Sensex's 6.91%, reinforcing the notion of its overvaluation amidst strong performance.

Is Muthoot Finance technically bullish or bearish?

As of 14 August 2025, Muthoot Finance's technical trend has shifted to bullish, supported by strong indicators like bullish MACD and moving averages, despite a mildly bearish OBV on the weekly chart.

As of 14 August 2025, the technical trend for Muthoot Finance has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this position. The MACD is bullish on both the weekly and monthly time frames, and Bollinger Bands also indicate a bullish trend on both time frames. Moving averages are bullish on the daily chart, reinforcing the positive momentum. The KST is bullish on both weekly and monthly charts, while the Dow Theory shows a bullish stance on the monthly time frame. Although the OBV is mildly bearish on the weekly, the overall technical picture remains bullish, particularly with the stock's recent performance, including a 52.17% return over the past year compared to a 1.89% return for the Sensex.

Who are the top shareholders of the Muthoot Finance?

The top shareholders of Muthoot Finance include promoters, with George Thomas holding the largest share at 10.87%, and institutional investors, where mutual funds hold 10.03% and foreign institutional investors hold 11.03%. Individual investors collectively own 3.28% of the company.

The top shareholders of Muthoot Finance include a mix of promoters, institutional investors, and individual shareholders. The majority of the shares are held by promoters, with George Thomas being the promoter with the highest holding at 10.87%. <BR><BR>In terms of institutional investors, mutual funds hold 10.03% of the shares across 34 schemes, and foreign institutional investors (FIIs) hold 11.03% through 621 different entities. The highest public shareholder is SBI Mutual Fund, which holds 6.27%. Individual investors collectively hold 3.28% of the company’s shares. <BR><BR>Overall, the ownership structure reflects a strong presence of both promoters and institutional investors in Muthoot Finance.

Has Muthoot Finance declared dividend?

Yes, Muthoot Finance has declared a 260% dividend, amounting to ₹26 per share, with an ex-date of April 25, 2025. The company has shown strong total returns across various periods, including a 41.94% total return over the past year.

Muthoot Finance Ltd has declared a 260% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 260%<BR>- Amount per share: 26<BR>- Ex-date: 25 Apr 2025<BR><BR>Dividend Yield: 1.13%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, Muthoot Finance achieved a price return of 26.42%, a dividend return of 1.30%, resulting in a total return of 27.72%.<BR><BR>Over the past year, the company recorded a price return of 40.46%, a dividend return of 1.48%, leading to a total return of 41.94%.<BR><BR>In the 2-year period, Muthoot Finance experienced a price return of 118.27%, a dividend return of 4.23%, culminating in a total return of 122.5%.<BR><BR>For the 3-year period, the price return was 127.91%, with a dividend return of 7.28%, resulting in a total return of 135.19%.<BR><BR>In the last 4 years, the company had a price return of 63.01%, a dividend return of 6.18%, which led to a total return of 69.19%.<BR><BR>Finally, over the past 5 years, Muthoot Finance achieved a price return of 169.02%, a dividend return of 10.10%, resulting in a total return of 179.12%.<BR><BR>Overall, Muthoot Finance has not only declared a substantial dividend but has also demonstrated impressive total returns across various periods, indicating strong financial performance and shareholder value.