MUTHOOTFIN Stock Financial Analysis - Muthoot Finance Limited (NSEI) Stock

Overview

Muthoot Finance Limited is a leading non-banking financial company (NBFC) based in India. The company primarily operates in the gold loan sector, providing secured loans against gold jewelry. Established in 1939, Muthoot Finance is part of the larger Muthoot Group, which has diversified interests in various industries. Key projects of Muthoot Finance include its aggressive expansion into the digital space with online gold loans, aiming to improve accessibility and convenience for its customers. Moreover, the company continues to expand its footprint across India and overseas, with over 6,500 branches globally.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Muthoot Finance Limited as of 30 June 2025 is 131,456.23 MM.
The operating income for Muthoot Finance Limited as of 30 June 2025 is 82,744.20 MM.
The net income for Muthoot Finance Limited as of 30 June 2025 is 61,850.69 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	131,456.23	82,744.20	61,850.69
2025-03-31	118,857.27	72,660.96	53,329.00
2024-12-31	108,147.25	69,226.20	49,942.96
2024-09-30	102,532.21	65,706.49	46,782.32
2024-06-30	95,053.26	62,354.41	44,662.50
2024-03-31	93,137.68	60,001.45	43,242.88
2023-12-31	86,817.41	57,683.20	41,587.11
2023-09-30	82,226.13	54,831.53	39,829.01
2023-06-30	77,932.00	52,197.14	38,151.44
2023-03-31	75,798.43	49,354.24	36,122.98
2022-12-31	75,024.12	49,189.74	36,520.20
2022-09-30	75,109.32	50,668.17	37,478.71
2022-06-30	76,608.78	52,115.68	38,579.66
2022-03-31	76,680.43	54,094.75	40,166.21
2021-12-31	76,035.82	54,459.40	40,395.62
2021-09-30	75,315.67	53,995.20	40,046.43
2021-06-30	76,708.78	52,898.49	39,287.64
2021-03-31	72,299.05	51,339.05	38,043.97
2020-12-31	71,583.93	48,788.83	36,137.97
2020-09-30	69,754.88	46,811.39	34,547.45
2020-06-30
2020-03-31

Income Statement: EPS

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30
2025-03-31
2024-12-31	124.41	124.41
2024-09-30	116.54	116.53
2024-06-30	111.25	111.24
2024-03-31	107.72	107.71
2023-12-31	103.59	103.58
2023-09-30	99.21	99.21
2023-06-30	95.04	95.04
2023-03-31	89.99	89.98
2022-12-31	90.55	90.53
2022-09-30	93.38	93.35
2022-06-30	96.14	96.10
2022-03-31	100.10	100.05
2021-12-31	100.68	100.63
2021-09-30	99.82	99.75
2021-06-30	97.93	97.86
2021-03-31	94.84	94.76
2020-12-31	90.10	90.03
2020-09-30	86.41	86.34
2020-06-30	85.70	85.60
2020-03-31	78.30	78.20

Cash Flow: Operations, Investing, Financing

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30
2025-03-31	-265,248.90	-13,762.72	300,414.73
2024-12-31
2024-09-30	-185,303.24	-467.06	190,902.64
2024-06-30
2024-03-31	-136,054.85	453.59	118,090.61
2023-12-31
2023-09-30	-117,323.15	13,161.55	108,729.47
2023-06-30
2023-03-31	-28,040.67	1,809.67	3,950.19
2022-12-31
2022-09-30	25,667.26	-16,246.00	-27,614.68
2022-06-30
2022-03-31	-15,964.49	4,216.39	34,454.89
2021-12-31
2021-09-30	-63,654.94	23,640.35	61,022.79
2021-06-30
2021-03-31	-78,142.89	395.81	97,124.22
2020-12-31
2020-09-30
2020-06-30
2020-03-31

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/e for Muthoot Finance Limited as of 30 June 2025 is 19.34.
The p/book for Muthoot Finance Limited as of 30 June 2025 is 3.44.
The p/tbv for Muthoot Finance Limited as of 30 June 2025 is 3.52.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30	19.34	3.44	3.52
2025-03-31	18.63	3.25	3.25
2024-12-31	18.03	3.09	3.10
2024-09-30	18.51	3.19	3.20
2024-06-30	16.47	2.77	2.77
2024-03-31	13.74	2.33	2.33
2023-12-31	15.01	2.56	2.56
2023-09-30
2023-06-30
2023-03-31
2022-12-31
2022-09-30
2022-06-30
2022-03-31	13.06	2.94	2.94
2021-12-31	17.45	3.93	3.93
2021-09-30	17.61	4.17	4.18
2021-06-30	10.06	2.48	2.49
2021-03-31	10.39	2.51	2.51
2020-12-31	10.90	2.69	2.70
2020-09-30	11.39	2.89	2.90
2020-06-30	11.50	3.09	3.10
2020-03-31	12.59	3.29	3.30

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Muthoot Finance Limited as of 30 June 2025 is 0.04.
The ebit (3y)/ev for Muthoot Finance Limited as of 30 June 2025 is 0.03.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	0.04	0.03
2025-03-31	0.04	0.03
2024-12-31	0.04	0.04
2024-09-30	0.04	0.04
2024-06-30	0.04	0.04
2024-03-31	0.05	0.05
2023-12-31	0.05	0.05
2023-09-30	0.05	0.05
2023-06-30	0.05	0.05
2023-03-31	0.06	0.06
2022-12-31	0.06	0.06
2022-09-30	0.06	0.06
2022-06-30	0.06	0.06
2022-03-31	0.06	0.05
2021-12-31	0.05	0.04
2021-09-30	0.05	0.04
2021-06-30	0.06	0.05
2021-03-31	0.06	0.05
2020-12-31	0.06	0.04
2020-09-30	0.06	0.05
2020-06-30	0.06	0.05
2020-03-31	0.04	0.04

Management Effectiveness

The roa for Muthoot Finance Limited as of 30 June 2025 is 0.05.
The roe for Muthoot Finance Limited as of 30 June 2025 is 0.24.
The roic for Muthoot Finance Limited as of 30 June 2025 is 0.04.
The croic for Muthoot Finance Limited as of 30 June 2025 is 0.02.
The ocroic for Muthoot Finance Limited as of 30 June 2025 is -0.20.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	0.05	0.24	0.04	0.02	-0.20
2025-03-31	0.05	0.20	0.04	0.00	-0.16
2024-12-31	0.05	0.20	0.04	0.00	-0.17
2024-09-30	0.05	0.20	0.04	-0.02	-0.14
2024-06-30	0.05	0.20	0.05	-0.02	-0.15
2024-03-31	0.06	0.20	0.05	0.01	-0.13
2023-12-31	0.05	0.20	0.05	0.01	-0.14
2023-09-30	0.05	0.20	0.05	0.00	0.00
2023-06-30	0.05	0.20	0.05	-0.03	-0.04
2023-03-31	0.05	0.19	0.05	-0.03	-0.04
2022-12-31	0.05	0.22	0.05	-0.03	0.04
2022-09-30	0.05	0.22	0.05	-0.03	0.04
2022-06-30	0.06	0.24	0.05	0.03	-0.02
2022-03-31	0.06	0.25	0.06	0.03	-0.02
2021-12-31	0.06	0.27	0.06	0.03	-0.09
2021-09-30	0.06	0.29	0.06	0.03	0.00
2021-06-30	0.07	0.31	0.06	0.03	-0.12
2021-03-31	0.07	0.32	0.06	0.03	-0.12
2020-12-31	0.07	0.31	0.06	0.00	0.00
2020-09-30	0.08	0.32	0.06	0.06	-0.08
2020-06-30	0.08	0.34	0.06	0.07	-0.09
2020-03-31	0.08	0.31	0.04	0.05	-0.06

Gross Margins

The gross margin for Muthoot Finance Limited as of 30 June 2025 is 1.00.
The net margin for Muthoot Finance Limited as of 30 June 2025 is 0.48.
The operating margin for Muthoot Finance Limited as of 30 June 2025 is 0.65.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	1.00	0.48	0.65
2025-03-31	1.00	0.46	0.64
2024-12-31	1.00	0.46	0.64
2024-09-30	1.00	0.47	0.66
2024-06-30	1.00	0.48	0.66
2024-03-31	1.00	0.48	0.66
2023-12-31	1.00	0.48	0.66
2023-09-30	1.00	0.49	0.67
2023-06-30	1.00	0.49	0.67
2023-03-31	1.00	0.48	0.65
2022-12-31	1.00	0.49	0.67
2022-09-30	1.00	0.49	0.67
2022-06-30	1.00	0.50	0.68
2022-03-31	1.00	0.53	0.71
2021-12-31	1.00	0.53	0.72
2021-09-30	1.00	0.53	0.72
2021-06-30	1.00	0.51	0.69
2021-03-31	1.00	0.51	0.69
2020-12-31	1.00	0.52	0.69
2020-09-30	1.00	0.51	0.68
2020-06-30	1.00	0.50	0.67
2020-03-31	1.00	0.48	0.65