MUTHOOTFIN

Muthoot Finance Limited

India's largest gold-loan NBFC, lending against pledged jewellery since 1939

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

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

Price as of 2026-10-19

Stock price
₹2566.00
Market cap
1,03,018 Cr
Stock P/E
9.1
P/B
2.63
Dividend yield
1.0%
ROE (FY26)
26.6%

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 Finance is a Kochi-based lender that gives short-term loans against pledged gold jewellery through 5,029 branches across India (June 2026).

Company snapshot

5thBy market cap

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

Segment mix

Reportable segments as of 2018-03-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 100.2% of revenue

SegmentRevenue shareRevenuePBTAssets
Financing
100.2%
6,622 Cr2,845 Cr—
Insurance Broking
0.2%
16 Cr13 Cr—
Power Generation
0.0%
2 Cr1 Cr—

What we see

Positives
  • ✓Net margin of 34.0% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.
2 more signals from the filings.Sign in free to see them all

Statement tables · Consolidated

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

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 Income————————————
Other income26 Cr23 Cr16 Cr19 Cr29 Cr32 Cr31 Cr35 Cr50 Cr52 Cr3 Cr23 Cr
Net operating income26 Cr23 Cr16 Cr19 Cr29 Cr32 Cr31 Cr35 Cr50 Cr52 Cr3 Cr23 Cr
Employee cost422 Cr437 Cr542 Cr518 Cr530 Cr580 Cr697 Cr696 Cr727 Cr785 Cr583 Cr738 Cr
Other expenses302 Cr329 Cr370 Cr334 Cr374 Cr398 Cr464 Cr414 Cr457 Cr456 Cr677 Cr548 Cr
Provisions & contingencies————————————
Depreciation22 Cr24 Cr27 Cr26 Cr25 Cr31 Cr35 Cr35 Cr38 Cr40 Cr24 Cr31 Cr
Profit before tax1,470 Cr1,534 Cr1,585 Cr1,646 Cr1,802 Cr1,886 Cr1,932 Cr2,654 Cr3,244 Cr3,822 Cr4,584 Cr3,797 Cr
Tax %25.5%25.4%25.4%27.3%26.7%26.2%25.3%25.6%25.7%26.1%25.9%25.6%
Net profit1,095 Cr1,145 Cr1,182 Cr1,196 Cr1,321 Cr1,392 Cr1,444 Cr1,974 Cr2,412 Cr2,823 Cr3,397 Cr2,825 Cr
EPS (₹)₹26.39₹27.49₹28.37₹28.99₹31.67₹35.36₹36.81₹50.22₹60.29₹69.84₹83.43₹69.72

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——————————Sign in free for the trailing twelve months
Other income28 Cr97 Cr7 Cr23 Cr36 Cr53 Cr77 Cr101 Cr110 Cr54 CrSign in free for the trailing twelve months
Net operating income28 Cr97 Cr7 Cr23 Cr36 Cr53 Cr77 Cr101 Cr110 Cr54 CrSign in free for the trailing twelve months
Employee cost760 Cr833 Cr1,013 Cr1,208 Cr1,189 Cr1,239 Cr1,488 Cr1,828 Cr2,325 Cr2,791 CrSign in free for the trailing twelve months
Other expenses502 Cr817 Cr741 Cr819 Cr823 Cr875 Cr1,035 Cr1,262 Cr1,570 Cr2,004 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation52 Cr50 Cr52 Cr59 Cr67 Cr70 Cr78 Cr92 Cr116 Cr137 CrSign in free for the trailing twelve months
Profit before tax1,959 Cr2,872 Cr3,260 Cr4,260 Cr5,131 Cr5,410 Cr4,923 Cr5,997 Cr7,266 Cr14,305 CrSign in free for the trailing twelve months
Tax %38.4%37.4%35.5%25.6%25.6%25.5%25.5%25.5%26.3%25.9%Sign in free for the trailing twelve months
Net profit1,207 Cr1,784 Cr2,103 Cr3,169 Cr3,819 Cr4,031 Cr3,670 Cr4,468 Cr5,352 Cr10,607 CrSign in free for the trailing twelve months
EPS (₹)₹30.06₹44.64₹51.92₹78.30₹94.84₹100.10₹89.99₹107.72₹132.84₹263.79Sign in free for the trailing twelve months
Dividend payout %————0.0%19.9%21.9%19.8%18.0%9.8%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 capital399 Cr400 Cr401 Cr401 Cr401 Cr401 Cr401 Cr401 Cr401 Cr401 Cr
Reserves6,139 Cr7,442 Cr9,531 Cr11,428 Cr15,174 Cr18,384 Cr21,264 Cr24,706 Cr28,965 Cr38,729 Cr
Borrowings17,611 Cr20,150 Cr21,131 Cr40,935 Cr50,397 Cr54,329 Cr55,788 Cr68,261 Cr99,369 Cr1,51,787 Cr
Other liabilities7,963 Cr6,206 Cr10,530 Cr1,945 Cr2,485 Cr2,849 Cr2,208 Cr2,454 Cr3,498 Cr4,193 Cr
Total liabilities32,184 Cr34,305 Cr41,735 Cr54,882 Cr68,641 Cr76,316 Cr80,149 Cr96,469 Cr1,32,860 Cr1,95,754 Cr
Fixed assets (net)226 Cr220 Cr206 Cr259 Cr275 Cr296 Cr327 Cr426 Cr621 Cr655 Cr
CWIP10 Cr6 Cr23 Cr29 Cr38 Cr52 Cr67 Cr88 Cr13 Cr10 Cr
Investments97 Cr166 Cr227 Cr646 Cr822 Cr533 Cr554 Cr722 Cr2,413 Cr563 Cr
Loans & advances——38,723 Cr47,068 Cr58,809 Cr64,528 Cr70,554 Cr88,187 Cr1,20,578 Cr1,78,857 Cr
Trade receivables1,277 Cr1,678 Cr22 Cr9 Cr10 Cr7 Cr10 Cr18 Cr12 Cr12 Cr
Cash & bank1,645 Cr724 Cr2,006 Cr5,835 Cr7,778 Cr10,036 Cr7,770 Cr6,037 Cr8,167 Cr12,614 Cr
Other assets28,930 Cr31,512 Cr530 Cr1,036 Cr910 Cr865 Cr866 Cr992 Cr1,056 Cr3,043 Cr
Total assets32,184 Cr34,305 Cr41,735 Cr54,882 Cr68,641 Cr76,316 Cr80,149 Cr96,469 Cr1,32,860 Cr1,95,754 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-2,186 Cr-1,229 Cr-4,824 Cr-4,975 Cr-7,814 Cr-1,373 Cr-2,804 Cr-13,754 Cr-26,376 Cr-47,393 Cr
Cash from investing-183 Cr-104 Cr-165 Cr-392 Cr40 Cr422 Cr181 Cr-47 Cr1,791 Cr2,458 Cr
Cash from financing3,027 Cr600 Cr6,351 Cr9,196 Cr9,712 Cr3,222 Cr395 Cr11,958 Cr29,893 Cr49,320 Cr
Net cash flow657 Cr-733 Cr1,362 Cr3,830 Cr1,935 Cr2,260 Cr-2,229 Cr-1,841 Cr5,309 Cr4,388 Cr
Free cash flow (OCF − Capex)-2,241 Cr-1,278 Cr-4,901 Cr-5,068 Cr-7,814 Cr-1,470 Cr-2,945 Cr-13,976 Cr-26,593 Cr-47,545 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %18.2%22.4%20.6%26.1%24.1%21.0%16.3%16.8%17.8%26.6%
Debt / equity2.692.572.133.463.242.892.572.723.383.88