Muthoot Finance Limited is India's largest gold loan NBFC, providing secured lending, personal finance, insurance distribution, and money transfer services. The company serves millions of customers through an extensive nationwide branch network. Gold-backed lending provides relatively low credit risk and quick loan disbursement. Financial inclusion and small-business credit demand continue to support business growth. Diversification into non-gold lending offers additional opportunities.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Debt / equity | Beta |
|---|---|---|---|---|---|---|---|---|---|---|
| ₹1.03L cr | ₹33,431 cr | ₹11,458 cr | 9.1 | 283.28 | 2.63 | 30.9% | 19.6% | 6.45% | 3.88 | 1.30 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 8,672 | 2,825 | 69.72 | +38.8% | +34.4% | 32.6% |
| Mar 2026 | 9,289 | 3,398 | 83.43 | +126.6% | +65.2% | 36.6% |
| Dec 2025 | 8,188 | 2,824 | 69.84 | +97.5% | +57.8% | 34.5% |
| Sep 2025 | 7,283 | 2,412 | 60.29 | +90.4% | +47.8% | 33.1% |
| Jun 2025 | 6,450 | 1,974 | 50.22 | +73.2% | +44.2% | 30.6% |
| Mar 2025 | 5,622 | 1,444 | 36.81 | +29.8% | +35.0% | 25.7% |
| Dec 2024 | 5,190 | 1,392 | 35.36 | +28.6% | +35.9% | 26.8% |
| Sep 2024 | 4,929 | 1,321 | 31.67 | +20.0% | +36.7% | 26.8% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | ✓ Pass |
| EPS growth accelerating over 3 quarters | ✗ Fail |
| Sales up 25%+, or sales growth accelerating | ✓ Pass |
| Annual EPS up 25%+ in each of the last 2 years | ✗ Fail |
| Net margin above the same quarter last year | ✓ Pass |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✗ Close above the 150- and 200-day averages ✗ 150-day above 200-day ✗ 200-day rising for a month ✗ 50-day above the 150- and 200-day ✗ Close above the 50-day ✗ At least 25% above the 52-week low · low 2,559.60 ✗ Within 25% of the 52-week high · high 4,091.70 ✗ RS percentile 70 or more · RS 27 Trend template - the gate, measured: a modest 21-day edge. | 0/8 | 0 of 8 |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 4 - declining | |
| CAN SLIM | ✓ C latest quarter EPS up 25%+ ✗ A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✗ N within 15% of the 52-week high · high 4,091.70 ✗ S more volume on up days than down days (50 sessions) · 0.95x ✗ L RS percentile 80 or more · RS 27 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 2/6 | Weak |
| Darvas | ✗ New 52-week high in the last 120 sessions Darvas needs a new 52-week high to start a box. | 10/100 | No box |
| Turtle | ✗ Close above the prior 55-session high · 3,246.50 ✗ Close above the prior 20-session high · 2,874.20 ✗ Close below the prior 20-session low · 2,545.00 Donchian channel breakout - the Turtle traders' entry. | No signal | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | ✗ Price at or below the Graham number · Graham number 2,493.73 ✓ P/E 15 or less · P/E 9.1 ✗ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 2.63 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests. | 97/100 | Fair |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MUTHOOTFIN this stock | -9.7 | -14.0 | -27.3 | -23.1 | +105.0 | +65.3 | 9.1 | 2.63 | 30.9 | — | 6.45 | 3.88 | — | 1.03L | 33,431 | 11,458 | 283.3 | 1.30 |
| SATIN | +4.5 | -10.5 | +35.6 | +57.5 | -4.2 | +196.6 | 6.2 | 0.88 | 12.3 | — | 2.56 | 3.84 | — | 2,524 | 3,217 | 410 | 37.2 | 0.79 |
| MANCREDIT | -3.4 | -3.8 | +26.1 | +19.3 | — | — | 25.1 | 2.64 | 9.8 | — | 3.53 | 1.90 | — | 456 | 78 | 18 | 8.6 | 0.55 |
| CREDITACC | -11.6 | -18.1 | -2.2 | -4.8 | -11.4 | +83.3 | 16.2 | 2.51 | 10.5 | — | 2.60 | 3.01 | — | 19,656 | 6,380 | 1,211 | 75.6 | 0.81 |
| FIVESTAR | -6.8 | -12.1 | +6.6 | -4.9 | -34.2 | — | 13.4 | 2.01 | 16.1 | — | 7.27 | 1.11 | — | 14,812 | 3,260 | 1,104 | 37.5 | 1.21 |
| INDOSTAR | -19.6 | -27.4 | -10.0 | -17.3 | +9.3 | -31.9 | — | 0.83 | 3.8 | — | 1.23 | 1.45 | — | 3,130 | 1,414 | -394 | -24.2 | 1.50 |
| PFS | +0.1 | -12.7 | -16.7 | -24.3 | -10.2 | +19.3 | 7.5 | 0.55 | 10.9 | — | 6.00 | 0.57 | — | 1,682 | 476 | 223 | 3.5 | 1.06 |