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Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; money transfer; non-convertible debentures; national pension scheme; digital and cashless payments; bank mapping; and other custom offerings and milligram rewards. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.
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| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Income before tax | 72660.06M | 59965.04M | 49227.80M | 54101.87M | 51314.80M |
| Minority interest | -194.61M | -1433.06M | -574.68M | -147.03M | 1845.75M |
| Net income | 53329.00M | 43242.88M | 36122.98M | 40166.20M | 38043.97M |
| Selling general administrative | 1553.76M | 1209.88M | 761.67M | 1908.62M | 1518.58M |
| Selling and marketing expenses | 3660.02M | 2696.36M | 2524.71M | 1679.54M | 1905.24M |
| Gross profit | 128527.84M | 96564.04M | 77658.27M | 79592.45M | 74510.77M |
| Reconciled depreciation | 1159.87M | 921.06M | 781.61M | 700.03M | 673.60M |
| Ebit | 72660.06M | 59965.04M | 47871.51M | 53254.82M | 50496.47M |
| Ebitda | 73819.93M | 60886.10M | 48653.12M | 53954.85M | 51170.07M |
| Depreciation and amortization | 1159.87M | 921.06M | 781.61M | 700.03M | 673.60M |
| Operating income | 72660.06M | 59965.04M | 47871.51M | 53254.82M | 50496.47M |
| Other operating expenses | 129990.80M | 90899.78M | -25746.41M | -22918.25M | -20984.25M |
| Interest expense | 74123.02M | 54300.78M | 42091.78M | 42558.52M | 40999.29M |
| Tax provision | 19136.45M | 15289.10M | 12530.37M | 13788.64M | 13126.10M |
| Interest income | 196628.84M | 145457.01M | 115555.35M | 488.74M | 112315.79M |
| Net interest income | 122505.82M | 91156.23M | 73463.57M | 76693.00M | 71316.50M |
| Income tax expense | 19136.45M | 15289.10M | 12530.37M | 13788.64M | 13126.10M |
| Total revenue | 202650.86M | 150864.82M | 77658.27M | 79592.45M | 74510.77M |
| Total operating expenses | 55867.78M | 36599.00M | 26010.40M | 21828.51M | 20762.64M |
| Cost of revenue | 74123.02M | 54300.78M | 42091.78M | 42558.52M | 40999.29M |
| Total other income expense net | -75117.92M | -54695.31M | 49227.80M | 54101.88M | 51314.80M |
| Net income from continuing ops | 53523.61M | 44675.94M | 36697.66M | 40313.33M | 38188.70M |
| Net income applicable to common shares | 53329.00M | 43242.88M | 36122.98M | 40166.20M | 38043.97M |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Total assets | 1328595.91M | 964694.20M | 801489.20M | 763164.74M | 686414.35M |
| Intangible assets | 57.14M | 62.00M | 59.29M | 59.23M | 86.86M |
| Other current assets | - | -1327.45M | 2897.96M | 647452.34M | 592461.65M |
| Total liab | 1028664.13M | 707153.80M | 579961.16M | 571785.78M | 528818.35M |
| Total stockholder equity | 293666.27M | 251072.07M | 216657.52M | 187857.24M | 155750.25M |
| Other current liab | -446283.44M | -371287.59M | -1341.21M | -1570.20M | -2111.53M |
| Common stock | 4014.64M | 4014.62M | 4014.48M | 4013.45M | 4011.96M |
| Capital stock | 4014.64M | 4014.62M | 4014.48M | 4013.45M | 4011.96M |
| Retained earnings | 167958.91M | 135089.68M | 109953.23M | 88039.64M | 64000.77M |
| Other liab | - | - | 6608.93M | 4539.26M | 3699.96M |
| Good will | 299.96M | 299.96M | 299.96M | 299.96M | 299.96M |
| Other assets | 1328595.91M | -10736.74M | 719339.25M | 658959.25M | 605122.44M |
| Cash | 83460.18M | 60373.45M | 80356.59M | 102292.61M | 79115.33M |
| Cash and equivalents | - | 4665.19M | 16945.60M | 61991.45M | 25535.98M |
| Total current liabilities | 7154.48M | 677202.55M | 1341.21M | 1570.20M | 2111.53M |
| Current deferred revenue | - | -677202.55M | - | - | - |
| Net debt | 904585.24M | 616825.86M | 474365.90M | 441328.60M | 422698.68M |
| Short term debt | 449474.31M | 369347.00M | 338.83M | 170.49M | 249.87M |
| Short long term debt total | 988045.42M | 678717.37M | 554722.49M | 543621.21M | 501814.01M |
| Other stockholder equity | 15106.60M | 75875.83M | 102689.81M | 95804.15M | 87737.52M |
| Property plant equipment | - | 5249.51M | 4088.87M | 3488.16M | 3129.89M |
| Total current assets | 83578.75M | 62720.02M | 77701.83M | 100358.14M | 77775.20M |
| Long term investments | 28532.99M | 11260.84M | 8910.12M | 8645.35M | 12622.10M |
| Net tangible assets | - | - | - | 187498.05M | 155363.43M |
| Short term investments | - | 2870.67M | -2654.76M | -1934.47M | -1340.13M |
| Net receivables | 118.57M | 1327.45M | 98.95M | 1690.84M | 1577.92M |
| Long term debt | - | 678591.46M | 554566.92M | 543290.92M | 501386.57M |
| Accounts payable | 1371.26M | 1388.91M | 1341.21M | 1570.20M | 2111.53M |
| Accumulated other comprehensive income | 106566.11M | 36091.94M | - | - | - |
| Non currrent assets other | 30402.15M | 898709.28M | -4448.12M | -3847.35M | -3516.71M |
| Non current assets total | 1245017.16M | 912710.92M | 4448.12M | 3847.35M | 3516.71M |
| Long term debt total | - | 678717.37M | 554722.49M | 543450.72M | 501564.14M |
| Breakdown | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-03-31 | 2024-03-31 | 2023-03-31 | 2022-03-31 | 2021-03-31 |
| Investments | -13762.72M | -473.57M | 1809.67M | 3402.05M | 184.71M |
| Change to liabilities | - | - | 0.00M | -540.19M | -145.56M |
| Total cashflows from investing activities | -13762.72M | 453.59M | 1809.67M | 4216.39M | 395.81M |
| Net borrowings | 309156.04M | 127217.88M | - | 39766.16M | 96965.47M |
| Total cash from financing activities | 298929.41M | 120105.94M | 3950.19M | 34454.89M | 97124.22M |
| Change to operating activities | - | - | - | -60803.97M | -121974.02M |
| Net income | 53329.00M | 43242.88M | 49227.80M | 54101.87M | 51314.80M |
| Change in cash | 21419.29M | -15088.61M | -22291.11M | 22595.41M | 19347.68M |
| Begin period cash flow | 60823.84M | 77808.63M | 100602.47M | 78007.06M | 58659.38M |
| End period cash flow | 82243.13M | 62720.02M | 78311.36M | 100602.47M | 78007.06M |
| Total cash from operating activities | -263763.58M | 44902.23M | -28040.67M | -15964.49M | -78142.89M |
| Issuance of capital stock | 0.11M | 0.64M | 5.15M | 7.47M | 7.92M |
| Depreciation | 1159.87M | 921.06M | 781.61M | 700.03M | 673.60M |
| Other cashflows from investing activities | 4276.87M | 3512.43M | 3221.10M | 1756.42M | 1100.17M |
| Dividends paid | 9648.05M | 8844.39M | -8032.06M | -8027.30M | -6.75M |
| Change to account receivables | 59.79M | -79.41M | - | - | - |
| Sale purchase of stock | 0.11M | 0.64M | 5.15M | 7.47M | 7.92M |
| Other cashflows from financing activities | 906.63M | -194.29M | 11977.10M | 42474.72M | 97123.05M |
| Change to netincome | - | - | - | 4513.44M | 5259.12M |
| Capital expenditures | 2170.00M | 2224.24M | 1411.43M | 970.59M | 914.80M |
| Change in working capital | -338756.32M | -1485.80M | -61797.13M | -61344.16M | -122119.58M |
| Stock based compensation | - | - | 0.00M | -1.98M | 14.04M |
| Other non cash items | 20503.87M | 3635.14M | -16252.95M | 40758.61M | 39844.74M |
| Free cash flow | -265933.58M | 42677.99M | -29452.10M | -16935.08M | -79057.69M |
Sector: Financial Services Industry: Credit Services
|
Stock Name
|
Change
(INR) |
Price
(INR) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| MUTHOOTFIN Muthoot Finance Limited |
129.80 4.79% |
2839.60 | 21.11 | 14.01 | 10.41 | 4.84 | 17.95 |
| BAJFINANCE Bajaj Finance Limited |
75.90 7.64% |
1069.90 | 33.00 | 39.37 | 14.86 | 5.83 | 20.06 |
| SHRIRAMFIN Shriram Finance Limited |
55.15 6.07% |
963.90 | 18.81 | 7.62 | 9.77 | 3.09 | 15.18 |
| IRFC Indian Railway Finance Corporation Limited |
2.11 2.71% |
79.95 | 23.86 | - | 23.26 | 2.96 | 20.79 |
| CHOLAFIN Cholamandalam Investment and Finance Company Limited |
102.00 6.15% |
1760.00 | 31.88 | 21.28 | 12.48 | 5.81 | 22.46 |
Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; money transfer; non-convertible debentures; national pension scheme; digital and cashless payments; bank mapping; and other custom offerings and milligram rewards. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.
| Name | Title | Year Born |
|---|---|---|
| Mr. George Jacob Muthoot | Chairman | 1952 |
| Mr. George Alexander Muthoot FCA | MD & Whole Time Director | 1955 |
| Mr. George Muthoot Alexander Jr. | Deputy MD & Whole Time Director | 1983 |
| Mr. Alexander George Muthoot | Whole Time Director | 1980 |
| Mr. George Muthoot Jacob | Deputy MD & Whole Time Director | 1983 |
| Mr. George Muthoot George | Deputy MD & Whole Time Director | 1975 |
| Mr. Oommen K. Mammen | Chief Financial Officer | 1976 |
| Mr. Manoj Jacob | Gen. Mang. of Accounts & Taxation | 1962 |
| Mr. Rajesh Achutha Warrier | Compliance Officer & Company Sec. | 1986 |
| Mr. Kuttickattu Rajappan Bijimon | Chief GM & Exec. Director | 1970 |
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