Muthoot Finance Ltd.

NSE: MUTHOOTFIN BSE: 533398 SECTOR: Finance - NBFC  147k   1k   459

985.30
+0.65 (0.07%)
NSE: 24 Jun 03:57 PM

Price Summary

Today's High

₹ 1003

Today's Low

₹ 980

52 Week High

₹ 1721.95

52 Week Low

₹ 980

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

39544.55 Cr.

Advances

0 Cr.

No. of Shares

40.13 Cr.

P/E

10

P/B

2.16

Face Value

₹ 10

Div. Yield

2.03 %

Book Value (TTM)

₹  457.08

Operating Revenue

10557.21 Cr.

Net Profit

3722.18 Cr.

Promoter Holding

73.37 %

EPS (TTM)

₹  98.53

Sales Growth

21.14

ROE

27.79 %

ROCE

15.84%

Profit Growth

23.32 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Index Presence

The company is present in 25 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year21.14%
3 Year18.99%
5 Year16.78%

Profit Growth

1 Year23.32%
3 Year27.94%
5 Year35.68%

ROE%

1 Year27.79%
3 Year26.18%
5 Year24.59%

ROCE %

1 Year15.84%
3 Year16.04%
5 Year16.27%

ROA%

6.53610355930977

PEG Ratio

0.43

PAT Margin (%)

35.2572061639001

EPS Growth(%)

23.2713811943281

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2022 73.37 0
Dec 2021 73.37 0
Sep 2021 73.37 0
Jun 2021 73.4 0
Mar 2021 73.4 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 6.3620577755923% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 26.1782937460521%.
  • TThe company has been maintaining a healthy ROCE of 16.0419790375408% since last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 18.989022103175%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 73.37%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022
Operating Revenue 2823.85 2713.8 2830.43 2868.21 2669.89
Other Income 4.22 1.14 2.9 3.56 8.48
Interest Expended 951.3 982.19 979.44 953.3 920.84
Operating Expenses 511.77 421.21 501.38 526.86 449.91
Total Provisions 0 0 0 0 0
Depreciation 15.37 11.4 12.75 13.94 15.84
Profit Before Tax 1349.63 1300.14 1339.77 1377.67 1291.78
Tax 353.97 328.98 345.76 348.81 331.51
Net Profit 995.66 971.16 994.01 1028.86 960.28

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 5728.63 6266.52 6878.21 8714.65 10557.21
Other Income 18.07 66.64 2.42 8.15 17.15
Interest 2298.02 1934.66 2243.11 2795.65 3699.26
Operating Expenses 1231.04 1286.93 1496.18 1692.43 1684.97
Total Provisions 296.67 266.89 64.52 177.31 183.61
Exceptional Items 0 0 0 0 0
Profit Before Tax 1920.98 2844.69 3076.82 4057.41 5006.51
Tax 741.15 1067.13 1104.67 1039.11 1284.34
Profit After Tax 1179.83 1777.56 1972.14 3018.3 3722.18
Adjusted EPS (Rs.) 29.53 44.43 49.22 75.26 92.78

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 399.48 400.04 400.66 401.04 401.2
Total Reserves 6116.97 7411.98 9392.06 11170.78 14837.7
Borrowings 4231.19 7366.6 9685.89 13172.2 21424.7
Other N/C liabilities 616.47 289.79 13.68 41.42 11.22
Current liabilities 19991.02 15317.42 18558.9 25674.23 26761.46
Total Liabilities 31355.13 30785.83 38051.19 50459.65 63436.28
Assets
Loans 0 0 0 0 0
Net Block 208.23 200.47 192.56 227.78 246.94
Capital WIP 9.97 5.74 22.83 28.74 38.48
Intangible WIP 0 0 0 0 0
Investments 209.12 394.41 982.56 1031.64 1067.19
Other Loans 113.14 89.08 118.59 106.9 112.62
Other N/C Assets 0.21 0.72 4.91 14.09 16.47
Current Assets 30814.46 30095.42 36729.75 49050.51 61954.58
Total Assets 31355.13 30785.83 38051.19 50459.65 63436.28
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Promoters 73.40 73.40 73.37 73.37 73.37
sara george 3.37 7.24 7.24 7.23 7.23
m g george muthoot 11.60 - - - -
george thomas muth... 10.88 10.88 10.87 10.87 10.87
george alexander m... 10.88 10.88 5.89 5.89 5.89
george jacob mutho... 10.88 10.88 10.87 10.87 10.87
susan thomas 7.47 7.47 7.47 7.47 7.47
george m george 1.69 5.56 5.55 5.55 5.55
alexander m george 1.69 5.56 5.55 5.55 -
alexander george - - - - 5.55
george m alexander 1.88 1.88 4.37 4.37 4.37
eapen alexander 1.88 1.88 4.37 4.37 4.37
george m jacob 3.75 3.75 3.75 3.75 3.75
elizabeth jacob 3.72 3.72 3.72 3.72 3.72
anna alexander 3.72 3.72 3.72 3.72 3.72
PARTICULARS Mar 2021% Jun 2021% Sep 2021% Dec 2021% Mar 2022%
Investors 26.60 26.60 26.63 26.63 26.63
sbi focused equity... 1.42 2.69 2.99 3.06 4.47
bnp paribas arbitr... 1.05 - - - -
mirae asset large ... - 1.09 1.10 1.09 1.46
baron emerging mar... - - 1.04 1.03 -
llp - - - - 0.02

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ1FY22 9 Aug 2021
  • PresentationQ4FY22 27 May 2022
  • PresentationQ2FY21 23 Jun 2020
  • PresentationQ4FY20 20 Jun 2020
  • PresentationQ1FY21 20 Aug 2020
  • PresentationQ4FY21 2 Jun 2021
  • PresentationQ3FY22 17 Feb 2022
  • PresentationQ3FY21 10 Feb 2021

Company News

Muthoot Finance informs about disclosure9 Jun 2022, 11:27AM Muthoot Finance, Airtel Payments Bank enter into partnership to offer gold loans3 Jun 2022, 2:30PM Muthoot Finance informs about newspaper advertisements28 May 2022, 2:58PM Muthoot Finance - Quaterly Results26 May 2022, 3:42PM Muthoot Finance - Quaterly Results26 May 2022, 3:42PM Muthoot Finance - Quaterly Results26 May 2022, 3:42PM Muthoot Finance informs about press release24 May 2022, 4:43PM Muthoot Finance to raise Rs 300 crore through NCDs24 May 2022, 12:38PM Muthoot Finance informs about board meeting intimation19 May 2022, 2:04PM Muthoot Finance planning to extend gold loan at home offering in more locations: Report5 May 2022, 12:48PM Muthoot Finance informs about newspaper advertisement23 Apr 2022, 4:02PM Muthoot Finance informs about outcome of board meeting18 Apr 2022, 3:04PM Muthoot Finance reports 4% rise in Q3 consolidated net profit14 Feb 2022, 3:47PM Muthoot Finance - Quaterly Results12 Feb 2022, 2:27PM Muthoot Finance - Quaterly Results12 Feb 2022, 2:27PM Muthoot Finance - Quaterly Results12 Feb 2022, 2:27PM Muthoot Finance informs about appointment of directors15 Dec 2021, 4:30PM Muthoot Finance informs about newspaper advertisements29 Nov 2021, 4:39PM Muthoot Finance informs about postal ballot notice27 Nov 2021, 3:24PM Muthoot Finance informs about outcome of board meeting20 Nov 2021, 12:07PM Muthoot Finance informs about press release6 Nov 2021, 12:53PM Muthoot Finance reports 8% rise in Q2 consolidated net profit6 Nov 2021, 10:32AM Muthoot Finance - Quaterly Results4 Nov 2021, 2:22PM Muthoot Finance - Quaterly Results4 Nov 2021, 2:22PM Muthoot Finance informs about board meeting31 Jul 2021, 12:17PM Muthoot Finance informs about newspaper publication30 Jul 2021, 4:58PM Muthoot Finance informs about newspaper advertisement10 Jun 2021, 10:35AM Muthoot Finance informs about non-applicability of large corporate entity3 Jun 2021, 12:58PM Muthoot Finance reports 23% rise in Q4 consolidated net profit3 Jun 2021, 10:45AM Muthoot Finance informs about inter-se transfer of equity shares 11 May 2021, 12:50PM Muthoot Finance collaborates with fintech NIRA 7 May 2021, 11:51AM Muthoot Finance informs about board meeting9 Apr 2021, 10:14AM Muthoot Finance informs about board meeting8 Apr 2021, 10:11AM Muthoot Finance planning to raise Rs 1,700 crore via NCDs 8 Apr 2021, 9:52AM Muthoot Finance informs about change in CRO30 Mar 2021, 4:09PM Muthoot Finance’s arm aims to disburse Rs 700 crore loans for affordable housing in FY2222 Feb 2021, 12:02PM Muthoot Finance gets approval for fund raising to tune of Rs 6,000 crore19 Feb 2021, 12:43PM CRISIL upgrades rating of Muthoot Finance’s long-term debt facilities16 Feb 2021, 4:16PM Moody's affirms Muthoot Finance's Ba2 CFR, revises outlook to stable from negative14 Dec 2020, 11:16AM Muthoot Finance to raise Rs 1,000 crore via public issue of bonds11 Dec 2020, 11:56AM RBI rejects proposal of Muthoot Finance to acquire IDBI Bank's mutual fund business25 Nov 2020, 11:21AM Muthoot Finance partners with Bajaj Allianz General Insurance 24 Nov 2020, 12:34PM RBI imposes penalty of Rs 10 lakh on Muthoot Finance20 Nov 2020, 10:16AM Muthoot Finance reports marginal rise in Q2 consolidated net profit3 Nov 2020, 5:08PM Muthoot Finance planning to raise Rs 2,000 crore through NCDs27 Oct 2020, 9:36AM Muthoot Finance informs about interest payment of NCDs6 Oct 2020, 10:39AM Muthoot Finance informs about record date3 Oct 2020, 12:47PM Fitch Ratings affirms Muthoot Finance's Long Term Issuer Default ratings23 Sep 2020, 11:05AM Muthoot Finance reports 53% rise in Q1 consolidated net profit20 Aug 2020, 9:41AM Muthoot Finance eyeing 20% growth in gold loan portfolio in FY2120 Jul 2020, 5:19PM

Muthoot Finance Stock Price Analysis and Quick Research Report. Is Muthoot Finance an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Muthoot Finance better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 3722.178 Cr and the compounded growth of profit in the past 3 years is 27.9351511084112 %. The PAT margin of Muthoot Finance is 35.2572061639001 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Muthoot Finance , the EPS grew by 23.2713811943281 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a healthy ROE track record. The ROE of Muthoot Finance is at 27.7909522974541 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Muthoot Finance is worth at the current levels at Rs 985.3. The stock is trading at a current P/E ratio of 13.0010670748138 and the average historical P/E for the last 5 years was 11.0630468981833.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Muthoot Finance is trading at a P/B of 2.1549 . The average historical P/B for the last 5 years was 2.43746296669946. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Muthoot Finance

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