Muthoot Finance Ltd
MUTHOOTFIN
Finance
₹ 2,926
Price
₹ 117,504
Market Cap
Large Cap
19.09
P/E Ratio
📊 Score Snapshot
7.59 / 25
Performance
25 / 25
Valuation
5.0 / 20
Growth
7.0 / 30
Profitability
44.59 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -714.62 | -338.07 | -63.99 | -52.61 | -209.70 | -134.36 | -113.38 | -29.17 |
| Adj Cash PAT | -28,673 | -13,426 | -2,511 | -2,098 | -8,396 | -5,357 | -4,518 | -1,153 |
| Adj Cash PAT To PAT | -5.36 | -3.00 | -0.68 | -0.52 | -2.20 | -1.69 | -2.15 | -0.63 |
| Adj Cash PE | - | - | - | - | - | - | - | - |
| Adj EPS | 132.83 | 107.74 | 89.97 | 100.06 | 94.76 | 78.24 | 51.86 | 45.74 |
| Adj Number Of Shares | 40.15 | 40.14 | 40.14 | 40.14 | 40.11 | 40.10 | 40.07 | 40.01 |
| Adj PE | 17.61 | 15.36 | 10.89 | 13.54 | 12.80 | 7.74 | 11.90 | 9.34 |
| Adj Peg | 0.76 | 0.78 | - | 2.42 | 0.61 | 0.15 | 0.89 | 0.18 |
| Bvps | 747.02 | 641.60 | 551.87 | 476.76 | 392.92 | 299.28 | 251.41 | 198.20 |
| Cash Revenue | 20,220 | 27,689 | 22,410 | 23,271 | 22,091 | 18,412 | 14,477 | 12,971 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Dividend Yield | 1.14 | 1.43 | 2.20 | 1.48 | 1.64 | 2.45 | 1.93 | 2.36 |
| Fcfe | 2,142 | -832.25 | -1,586 | 1,862 | 1,285 | 5,114 | 1,604 | 389.00 |
| Fcfe Margin | 10.59 | -3.01 | -7.08 | 8.00 | 5.82 | 27.78 | 11.08 | 3.00 |
| Fcfe To Adj PAT | 0.40 | -0.19 | -0.43 | 0.46 | 0.34 | 1.61 | 0.76 | 0.21 |
| Market Cap | 93,903 | 66,422 | 39,335 | 54,380 | 48,708 | 24,301 | 24,725 | 17,092 |
| PB | 3.13 | 2.58 | 1.78 | 2.84 | 3.09 | 2.02 | 2.45 | 2.16 |
| PE | 17.61 | 15.36 | 10.89 | 13.54 | 12.81 | 7.74 | 11.90 | 9.34 |
| Peg | 0.75 | 0.78 | - | 2.45 | 0.60 | 0.15 | 0.89 | 0.18 |
| PS | 4.65 | 2.40 | 1.76 | 2.34 | 2.20 | 1.32 | 1.71 | 1.32 |
| ROE | 19.20 | 18.66 | 17.77 | 23.10 | 27.49 | 28.70 | 23.36 | 25.36 |
| Share Price | 2,339 | 1,655 | 979.95 | 1,355 | 1,214 | 606.00 | 617.05 | 427.20 |
📊 Quarterly Results
| Metric | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,450 | 5,622 | 9,613 | 9,046 | 8,178 | 7,573 | 6,988 | 6,666 | 6,471 | 6,128 | 5,670 | 5,323 | 5,292 | 5,691 |
| Interest | 2,355 | 2,111 | 1,900 | 1,807 | 1,595 | 1,447 | 1,412 | 1,335 | 1,236 | 1,091 | 1,047 | 1,020 | 1,051 | 1,032 |
| Expenses - | 1,441 | 1,575 | 1,405 | 1,324 | 1,226 | 1,121 | 872.00 | 805.00 | 847.00 | 829.00 | 715.00 | 596.00 | 624.00 | 636.00 |
| Financing Profit | 2,654 | 1,936 | 1,885 | 1,798 | 1,653 | 1,596 | 1,536 | 1,467 | 1,389 | 1,355 | 1,248 | 1,208 | 1,113 | 1,353 |
| Financing Margin % | 41.15 | 34.44 | 19.61 | 19.88 | 20.21 | 21.07 | 21.98 | 22.01 | 21.46 | 22.11 | 22.01 | 22.69 | 21.03 | 23.77 |
| Other Income - | 34.89 | 31.19 | 31.95 | 28.57 | 18.61 | 15.62 | 22.66 | 25.81 | 36.99 | 23.48 | 20.88 | 17.01 | 15.98 | 20.01 |
| Depreciation | 35.00 | 35.00 | 31.00 | 25.00 | 26.00 | 27.00 | 24.00 | 22.00 | 19.00 | 23.00 | 20.00 | 18.00 | 17.00 | 21.00 |
| Profit Before Tax | 2,654 | 1,932 | 1,886 | 1,802 | 1,646 | 1,585 | 1,534 | 1,470 | 1,407 | 1,355 | 1,249 | 1,207 | 1,112 | 1,352 |
| Tax % | 25.62 | 25.26 | 26.19 | 26.69 | 27.34 | 25.43 | 25.36 | 25.51 | 25.73 | 25.54 | 25.22 | 25.27 | 25.81 | 25.59 |
| Net Profit - | 1,974 | 1,444 | 1,392 | 1,321 | 1,196 | 1,182 | 1,145 | 1,095 | 1,045 | 1,009 | 934.00 | 902.00 | 825.00 | 1,006 |
| Minority Share | 42.00 | 34.00 | -2.00 | -50.00 | -32.00 | -43.00 | -42.00 | -36.00 | -23.00 | -36.00 | -6.00 | -10.00 | -6.00 | -9.00 |
| Profit Excl Exceptional | 1,974 | 1,444 | 1,392 | 1,321 | 1,196 | 1,182 | 1,145 | 1,095 | 1,045 | 1,009 | 934.00 | 902.00 | 825.00 | - |
| Profit For PE | 1,974 | 1,444 | 1,389 | 1,272 | 1,164 | 1,139 | 1,104 | 1,060 | 1,022 | 974.00 | 928.00 | 892.00 | 819.00 | 997.00 |
| Profit For EPS | 2,016 | 1,478 | 1,389 | 1,272 | 1,164 | 1,139 | 1,104 | 1,060 | 1,022 | 974.00 | 928.00 | 892.00 | 819.00 | 997.00 |
| EPS In Rs | 50.22 | 36.81 | 34.60 | 31.67 | 28.99 | 28.37 | 27.49 | 26.39 | 25.46 | 24.25 | 23.11 | 22.22 | 20.41 | 24.84 |
| PAT Margin % | 30.60 | 25.68 | 14.48 | 14.60 | 14.62 | 15.61 | 16.39 | 16.43 | 16.15 | 16.47 | 16.47 | 16.95 | 15.59 | 17.68 |
| PBT Margin | 41.15 | 34.36 | 19.62 | 19.92 | 20.13 | 20.93 | 21.95 | 22.05 | 21.74 | 22.11 | 22.03 | 22.68 | 21.01 | 23.76 |
| Tax | 680.00 | 488.00 | 494.00 | 481.00 | 450.00 | 403.00 | 389.00 | 375.00 | 362.00 | 346.00 | 315.00 | 305.00 | 287.00 | 346.00 |
| Yoy Profit Growth % | 70.00 | 27.00 | 26.00 | 20.00 | 14.00 | 17.00 | 19.00 | 19.00 | 25.00 | -2.00 | -11.00 | -11.00 | -16.00 | -2.00 |
| Adj PAT | 1,974 | 1,444 | 1,392 | 1,321 | 1,196 | 1,182 | 1,145 | 1,095 | 1,045 | 1,009 | 934.00 | 902.00 | 825.00 | 1,006 |
| Adj PAT Margin | 30.60 | 25.68 | 14.48 | 14.60 | 14.62 | 15.61 | 16.39 | 16.43 | 16.15 | 16.47 | 16.47 | 16.95 | 15.59 | 17.68 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 20,214 | 27,697 | 22,413 | 23,268 | 22,092 | 18,399 | 14,472 | 12,981 | 11,681 | 9,811 | 8,661 | 4,947 |
| Interest | 7,461 | 5,452 | 4,225 | 4,268 | 4,109 | 3,180 | 2,543 | 2,132 | 2,374 | 2,288 | 2,114 | 2,630 |
| Expenses - | 5,481 | 3,622 | 2,747 | 2,490 | 2,259 | 2,207 | 1,747 | 1,656 | 1,554 | 1,268 | 1,110 | 1,077 |
| Financing Profit | 7,272 | 5,988 | 4,926 | 5,428 | 5,167 | 4,298 | 3,305 | 2,927 | 2,007 | 1,381 | 1,112 | 1,241 |
| Financing Margin % | 35.98 | 21.62 | 21.98 | 23.33 | 23.39 | 23.36 | 22.84 | 22.55 | 17.18 | 14.08 | 12.84 | 25.09 |
| Other Income - | 110.00 | 100.00 | 76.00 | 53.00 | 36.00 | 23.00 | 7.00 | 67.00 | 3.00 | 5.00 | 1.00 | - |
| Exceptional Items | - | 1.00 | -1.00 | -1.00 | -4.00 | -1.00 | - | - | - | - | - | - |
| Depreciation | 116.00 | 92.00 | 78.00 | 70.00 | 67.00 | 59.00 | 52.00 | 52.00 | 52.00 | 59.00 | 84.00 | 47.00 |
| Profit Before Tax | 7,266 | 5,996 | 4,923 | 5,410 | 5,131 | 4,260 | 3,260 | 2,942 | 1,959 | 1,327 | 1,029 | 1,194 |
| Tax % | 26.34 | 25.48 | 25.45 | 25.49 | 25.57 | 25.61 | 35.49 | 37.32 | 38.74 | 38.36 | 34.69 | 34.67 |
| Net Profit - | 5,352 | 4,468 | 3,670 | 4,031 | 3,819 | 3,169 | 2,103 | 1,844 | 1,200 | 818.00 | 672.00 | 780.00 |
| Profit From Associates | - | - | - | - | - | - | - | - | -7.00 | - | - | - |
| Minority Share | -19.00 | -143.00 | -57.00 | -15.00 | -14.00 | -30.00 | -25.00 | -14.00 | - | -3.00 | - | - |
| Exceptional Items At | - | - | -1.00 | - | -3.00 | -1.00 | - | - | - | - | - | - |
| Profit Excl Exceptional | 5,352 | 4,467 | 3,671 | 4,032 | 3,821 | 3,170 | 2,103 | 1,844 | 1,200 | 818.00 | 672.00 | - |
| Profit For PE | 5,333 | 4,324 | 3,613 | 4,017 | 3,807 | 3,139 | 2,078 | 1,830 | 1,200 | 815.00 | 671.00 | 780.00 |
| Profit For EPS | 5,333 | 4,324 | 3,612 | 4,017 | 3,804 | 3,138 | 2,078 | 1,830 | 1,200 | 814.00 | 671.00 | 780.00 |
| EPS In Rs | 132.84 | 107.71 | 89.98 | 100.08 | 94.83 | 78.25 | 51.86 | 45.74 | 30.03 | 20.41 | 16.86 | 20.99 |
| Dividend Payout % | 20.00 | 22.00 | 24.00 | 20.00 | 21.00 | 19.00 | 23.00 | 22.00 | 20.00 | 29.00 | 36.00 | 29.00 |
| PAT Margin % | 26.48 | 16.13 | 16.37 | 17.32 | 17.29 | 17.22 | 14.53 | 14.21 | 10.27 | 8.34 | 7.76 | 15.77 |
| PBT Margin | 35.95 | 21.65 | 21.96 | 23.25 | 23.23 | 23.15 | 22.53 | 22.66 | 16.77 | 13.53 | 11.88 | 24.14 |
| Tax | 1,914 | 1,528 | 1,253 | 1,379 | 1,312 | 1,091 | 1,157 | 1,098 | 759.00 | 509.00 | 357.00 | 414.00 |
| Adj PAT | 5,352 | 4,469 | 3,669 | 4,030 | 3,816 | 3,168 | 2,103 | 1,844 | 1,200 | 818.00 | 672.00 | 780.00 |
| Adj PAT Margin | 26.48 | 16.13 | 16.37 | 17.32 | 17.27 | 17.22 | 14.53 | 14.21 | 10.27 | 8.34 | 7.76 | 15.77 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | 530.00 | - | 425.00 | - | 348.00 | 284.00 | 216.00 | 158.00 | 103.00 | 53.00 |
| Average Total Assets | 114,644 | 89,963 | 88,294 | - | 78,217 | 72,464 | 61,747 | 48,300 | 37,703 | 32,928 |
| Average Total Equity | 27,874 | 23,932 | 23,953 | - | 20,644 | 17,448 | 13,880 | 11,038 | 9,002 | 7,270 |
| Borrowing | 99,383 | - | 68,125 | - | 55,804 | 54,569 | 50,414 | 40,952 | 30,128 | 23,891 |
| Cwip | 13.00 | 101.00 | 89.00 | 83.00 | 67.00 | 52.00 | 39.00 | 29.00 | 23.00 | 6.00 |
| Cash Equivalents | 8,346 | 6,614 | 6,272 | 6,370 | 8,036 | 10,315 | 8,021 | 6,131 | 2,203 | 747.00 |
| Fixed Assets | 682.00 | 352.00 | 482.00 | 280.00 | 386.00 | 342.00 | 327.00 | 314.00 | 259.00 | 251.00 |
| Gross Block | 1,212 | - | 906.00 | - | 734.00 | 626.00 | 544.00 | 471.00 | 362.00 | 304.00 |
| Inventory | - | - | - | - | - | 1.00 | 1.00 | 1.00 | 1.00 | - |
| Investments | 2,401 | 2,698 | 712.00 | 2,354 | 546.00 | 523.00 | 809.00 | 630.00 | 211.00 | 177.00 |
| Loans N Advances | 44.00 | 90,491 | 100.00 | - | 71.00 | 30.00 | 34.00 | 30.00 | 15.00 | - |
| Long Term Borrowings | - | 72,343 | - | 55,322 | - | - | - | 20,697 | 9,686 | 7,367 |
| Net Debt | -10,747 | 63,031 | 51,799 | 46,598 | 41,152 | 38,973 | 37,116 | 30,369 | 24,419 | 20,243 |
| Non Controlling Interest | 627.00 | - | 647.00 | - | 487.00 | 352.00 | 185.00 | 172.00 | 142.00 | 73.00 |
| Other Asset Items | 121,337 | 258.00 | 88,780 | 70,317 | 71,018 | 65,029 | 59,387 | 47,724 | 38,999 | 32,464 |
| Other Borrowings | - | - | 58,783 | - | 49,734 | 49,811 | 45,946 | - | - | - |
| Other Liability Items | 3,322 | 2,366 | 2,430 | 1,791 | 2,089 | 2,473 | 2,242 | 1,687 | 1,366 | 1,725 |
| Reserves | 28,965 | 25,282 | 24,706 | 21,779 | 21,264 | 18,384 | 15,174 | 11,428 | 9,531 | 7,457 |
| Share Capital | 401.00 | 401.00 | 401.00 | 401.00 | 401.00 | 401.00 | 401.00 | 401.00 | 401.00 | 400.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | 16,433 | 17,147 | 13,800 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 132,835 | 100,518 | 96,453 | 79,408 | 80,134 | 76,300 | 68,627 | 54,867 | 41,734 | 33,672 |
| Total Borrowings | - | 72,343 | 58,783 | 55,322 | 49,734 | 49,811 | 45,946 | 37,130 | 26,833 | 21,167 |
| Total Equity | 29,993 | 25,683 | 25,754 | 22,180 | 22,152 | 19,137 | 15,760 | 12,001 | 10,074 | 7,930 |
| Total Equity And Liabilities | 132,835 | 100,518 | 96,453 | 79,408 | 80,134 | 76,300 | 68,627 | 54,867 | 41,734 | 33,672 |
| Total Liabilities | 102,842 | 74,835 | 70,699 | 57,228 | 57,982 | 57,163 | 52,867 | 42,866 | 31,660 | 25,742 |
| Trade Payables | 137.00 | 126.00 | 144.00 | 115.00 | 88.00 | 120.00 | 211.00 | 226.00 | 166.00 | 126.00 |
| Trade Receivables | 12.00 | 3.00 | 18.00 | 3.00 | 10.00 | 7.00 | 10.00 | 9.00 | 22.00 | 27.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 30,041 | 11,809 | 395.00 | 3,445 | 9,712 | 9,193 | 6,351 | 824.00 |
| Cash From Investing Activity | -1,375 | 48.00 | 180.00 | 410.00 | 37.00 | -385.00 | -162.00 | -126.00 |
| Cash From Operating Activity | -26,525 | -13,605 | -2,804 | -1,596 | -7,814 | -4,970 | -4,824 | -1,432 |
| Cash Paid For Acquisition Of Companies | - | - | - | - | - | - | -127.00 | -39.00 |
| Cash Paid For Investment In Subsidaries And Associates | - | - | - | - | - | - | - | - |
| Cash Paid For Loan Advances | -33,389 | -17,926 | -5,987 | -6,120 | -12,085 | -8,386 | -6,480 | -3,101 |
| Cash Paid For Purchase Of Fixed Assets | -217.00 | -222.00 | -141.00 | -97.00 | -91.00 | -92.00 | -77.00 | -36.00 |
| Cash Paid For Purchase Of Investments | -1,745 | -186.00 | -116.00 | -1.00 | - | -378.00 | -137.00 | -65.00 |
| Cash Paid For Redemption Of Debentures | - | - | - | -1,499 | - | - | - | - |
| Cash Paid For Repayment Of Borrowings | -32.00 | - | -436.00 | -73.00 | -30.00 | -253.00 | -637.00 | -1,523 |
| Cash Paid Towards Cwip | - | - | - | - | - | - | - | - |
| Cash Received From Borrowings | 24,449 | 9,847 | - | 5,557 | 5,337 | 8,585 | 4,070 | 3,087 |
| Cash Received From Issue Of Debentures | 6,498 | 2,875 | 1,423 | - | 4,396 | 2,172 | 2,841 | - |
| Cash Received From Issue Of Shares | - | - | 1.00 | 1.00 | 1.00 | 2.00 | 67.00 | 3.00 |
| Cash Received From Sale Of Fixed Assets | 1.00 | 2.00 | 1.00 | 2.00 | 2.00 | - | - | 1.00 |
| Cash Received From Sale Of Investments | 155.00 | 102.00 | 163.00 | 342.00 | 19.00 | 38.00 | 158.00 | - |
| Change In Other Working Capital Items | -674.00 | -28.00 | -247.00 | 43.00 | -112.00 | -208.00 | -186.00 | 99.00 |
| Change In Payables | 33.00 | 67.00 | 57.00 | -54.00 | -15.00 | 57.00 | 40.00 | 15.00 |
| Change In Receivables | 6.00 | -8.00 | -3.00 | 3.00 | -1.00 | 13.00 | 5.00 | -10.00 |
| Change In Working Capital | -34,025 | -17,895 | -6,180 | -6,128 | -12,212 | -8,525 | -6,621 | -2,997 |
| Direct Taxes Paid | -1,725 | -1,633 | -1,322 | -1,402 | -1,287 | -1,066 | -1,197 | -1,016 |
| Dividends Paid | -965.00 | -884.00 | -803.00 | -803.00 | -1.00 | -1,306 | - | -772.00 |
| Dividends Received | 2.00 | 5.00 | 1.00 | - | - | 1.00 | - | - |
| Interest Paid | -6,712 | -5,768 | -4,461 | -3,979 | -3,628 | -2,977 | -2,872 | -2,829 |
| Interest Received | 427.00 | 345.00 | 272.00 | 176.00 | 110.00 | 47.00 | 18.00 | 13.00 |
| Investment Income | - | - | - | - | - | - | - | - |
| Net Cash Flow | 2,142 | -1,749 | -2,229 | 2,260 | 1,935 | 3,838 | 1,364 | -734.00 |
| Other Cash Financing Items Paid | -76.00 | -53.00 | 105.00 | 228.00 | - | -1.00 | - | - |
| Other Cash Investing Items Paid | 162.00 | 36.00 | 113.00 | 32.00 | 13.00 | -1.00 | 13.00 | 27.00 |
| Profit From Operations | 15,930 | 11,682 | 9,150 | 9,904 | 9,306 | 7,592 | 5,866 | 5,411 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Muthootfin | 2025-06-30 | - | 10.84 | 12.21 | 3.60 | 0.00 |
| Muthootfin | 2025-03-31 | - | 11.02 | 11.75 | 3.87 | 0.00 |
| Muthootfin | 2024-12-31 | - | 10.26 | 12.99 | 3.38 | 0.00 |
| Muthootfin | 2024-09-30 | - | 9.85 | 13.30 | 3.50 | 0.00 |
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