MUTHOOTCAP

Muthoot Capital Services Limited

NBFC for vehicle finance and allied retail lending under Muthoot Pappachan Group

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

muthootcap.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹213.87
Market cap
352 Cr
Stock P/E
14.7
P/B
0.53
ROE (FY26)
1.7%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Muthoot Capital Services is a non-banking finance company in the Muthoot group that lends mainly for two-wheelers and other vehicles, serving customers in smaller towns through dealers and sales partners.

Company snapshot

46thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Concerns
  • ✗Net margin is very thin at 1.8% — little room for error if costs rise.
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Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income49 Cr50 Cr48 Cr51 Cr52 Cr58 Cr63 Cr64 Cr65 Cr67 Cr69 Cr71 Cr
Other income2 Cr0.79 Cr0.20 Cr0.18 Cr1 Cr0.46 Cr3 Cr2 Cr2 Cr6 Cr2 Cr5 Cr
Net operating income51 Cr50 Cr48 Cr51 Cr53 Cr59 Cr66 Cr66 Cr67 Cr73 Cr71 Cr76 Cr
Employee cost18 Cr21 Cr21 Cr22 Cr24 Cr24 Cr25 Cr29 Cr29 Cr29 Cr29 Cr32 Cr
Other expenses22 Cr17 Cr18 Cr14 Cr16 Cr20 Cr22 Cr22 Cr23 Cr28 Cr28 Cr—
Provisions & contingencies————————————
Depreciation0.17 Cr0.21 Cr0.33 Cr0.82 Cr0.94 Cr1 Cr2 Cr1 Cr1 Cr1 Cr4 Cr1 Cr
Profit before tax112 Cr13 Cr15 Cr15 Cr22 Cr17 Cr7 Cr-6 Cr4 Cr10 Cr8 Cr11 Cr
Tax %25.7%25.3%20.4%25.6%26.1%27.4%8.0%24.3%23.9%25.8%30.8%25.2%
Net profit83 Cr10 Cr12 Cr11 Cr16 Cr13 Cr6 Cr-5 Cr3 Cr8 Cr5 Cr8 Cr
EPS (₹)₹50.60₹6.09₹7.10₹6.57₹9.71₹7.63₹3.90₹-2.84₹1.72₹4.65₹3.26₹4.94

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———352 Cr317 Cr223 Cr—201 Cr223 Cr266 CrSign in free for the trailing twelve months
Other income0.15 Cr0.36 Cr0.64 Cr0.32 Cr0.90 Cr0.47 Cr0.42 Cr3 Cr5 Cr12 CrSign in free for the trailing twelve months
Net operating income0.15 Cr0.36 Cr0.64 Cr352 Cr318 Cr223 Cr0.42 Cr204 Cr228 Cr278 CrSign in free for the trailing twelve months
Employee cost53 Cr64 Cr78 Cr88 Cr69 Cr70 Cr74 Cr80 Cr95 Cr116 CrSign in free for the trailing twelve months
Other expenses58 Cr94 Cr168 Cr105 Cr83 Cr82 Cr100 Cr77 Cr73 Cr101 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation0.99 Cr0.97 Cr1 Cr2 Cr1 Cr0.96 Cr0.65 Cr0.86 Cr5 Cr7 CrSign in free for the trailing twelve months
Profit before tax46 Cr82 Cr127 Cr93 Cr70 Cr-229 Cr109 Cr164 Cr60 Cr16 CrSign in free for the trailing twelve months
Tax %34.8%34.9%35.2%35.3%26.0%24.9%27.7%25.4%24.3%28.5%Sign in free for the trailing twelve months
Net profit30 Cr54 Cr82 Cr60 Cr51 Cr-172 Cr79 Cr123 Cr46 Cr11 CrSign in free for the trailing twelve months
EPS (₹)₹21.93₹36.39₹50.10₹36.77₹31.29₹-104.54₹47.84₹74.58₹27.81₹6.79Sign in free for the trailing twelve months
Dividend payout %————0.0%—0.0%0.0%0.0%0.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital12 Cr16 Cr16 Cr16 Cr16 Cr16 Cr16 Cr16 Cr16 Cr16 Cr
Reserves166 Cr377 Cr460 Cr491 Cr543 Cr371 Cr473 Cr595 Cr642 Cr654 Cr
Borrowings928 Cr1,390 Cr—2,355 Cr1,945 Cr1,625 Cr—1,660 Cr2,853 Cr3,313 Cr
Other liabilities172 Cr194 Cr1,785 Cr51 Cr56 Cr63 Cr1,946 Cr42 Cr74 Cr72 Cr
Total liabilities1,278 Cr1,978 Cr2,261 Cr2,913 Cr2,560 Cr2,075 Cr2,435 Cr2,314 Cr3,585 Cr4,056 Cr
Fixed assets (net)2 Cr2 Cr2 Cr3 Cr3 Cr2 Cr2 Cr2 Cr5 Cr3 Cr
CWIP———0 Cr——0 Cr0 Cr0 Cr0 Cr
Investments15 Cr18 Cr19 Cr16 Cr16 Cr27 Cr0 Cr107 Cr112 Cr129 Cr
Loans & advances———2,428 Cr1,872 Cr1,565 Cr—1,855 Cr2,980 Cr3,276 Cr
Cash & bank14 Cr17 Cr84 Cr286 Cr541 Cr293 Cr502 Cr181 Cr297 Cr365 Cr
Other assets1,247 Cr1,941 Cr2,156 Cr180 Cr129 Cr187 Cr1,931 Cr169 Cr191 Cr282 Cr
Total assets1,278 Cr1,978 Cr2,261 Cr2,913 Cr2,560 Cr2,075 Cr2,435 Cr2,314 Cr3,585 Cr4,056 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-99 Cr-614 Cr-46 Cr—670 Cr73 Cr-46 Cr-7 Cr-1,097 Cr-375 Cr
Cash from investing-2 Cr-3 Cr0.36 Cr—1 Cr-9 Cr-17 Cr-63 Cr-8 Cr-24 Cr
Cash from financing107 Cr619 Cr113 Cr—-416 Cr-311 Cr272 Cr-251 Cr1,220 Cr467 Cr
Net cash flow6 Cr2 Cr67 Cr—255 Cr-247 Cr209 Cr-321 Cr116 Cr68 Cr
Free cash flow (OCF − Capex)-100 Cr-615 Cr-47 Cr—669 Cr73 Cr-47 Cr-12 Cr-1,097 Cr-375 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16.9%13.6%17.3%11.9%9.2%-44.3%16.1%20.1%7.0%1.7%
Debt / equity5.223.530.034.643.484.19—2.714.334.94