Muthoot Capital Services Limited
: MUTHOOTCAP · Non Banking Financial Company (NBFC)
Snapshot
Unlock Muthoot Capital Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Muthoot Capital Services Limited is a deposit-taking non-banking financial company (NBFC) and a member of the Muthoot Group. The company specialises in retail lending, primarily focusing on two-wheeler financing, used car loans, consumer durables, and small-ticket business loans.
Business Model
The company generates revenue through interest income earned on its diversified retail loan portfolio. It leverages the extensive branch network and customer base of Muthoot Finance Limited for loan origination and collection activities.
- Branch Network Access:3500+
Growth Outlook
Growth is driven by the strategic utilisation of the Muthoot Group's established brand reputation and physical infrastructure. The company continues to expand its product offerings beyond two-wheeler financing into other retail credit segments.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its retail loan portfolio, particularly within the two-wheeler and small-ticket business loan segments.
- Concentration Risk. Reliance on the Muthoot Group's brand and infrastructure creates dependency on the parent group's overall market standing and operational health.
- Regulatory Risk. As a deposit-taking NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and the affordability of loans for its retail customer base.
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Key Metrics
REVENUE
₹631 Cr
TTM · standalone
NET PROFIT
₹24 Cr
TTM · standalone
EPS
₹14.57
TTM · standalone
RETURN ON EQUITY
3.6%
TTM · standalone
P/E
16.8x
Q1 FY27 · standalone
NET PROFIT MARGIN
5.2%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Muthoot Capital Services LimitedMUTHOOTCAP | ₹395 Cr | 16.50 | — | 22.0% | — | 3.6% | — | -12.6% |
Unifinz Capital India LimitedUCIL | ₹443 Cr | 1.22 | — | 429.3% | — | 78.0% | — | -82.6% |
Purple FinancePURPLEFIN | ₹433 Cr | -367.50 | — | 204.7% | — | -1.2% | — | +102.3% |
Akme Fintrade (India) LimitedAFIL | ₹401 Cr | 9.04 | — | 40.5% | — | 11.0% | — | +35.4% |
Moneyboxx Finance LimitedMONEYBOXX | ₹398 Cr | 237.38 | — | 5.9% | — | 0.5% | — | -57.2% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹392 Cr | 25.74 | — | 11.4% | — | 8.3% | — | -27.6% |
As of Q1 FY27
Financials
Muthoot Capital Services Limited
: MUTHOOTCAP · Non Banking Financial Company (NBFC)
Snapshot
Unlock Muthoot Capital Services Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Muthoot Capital Services Limited is a deposit-taking non-banking financial company (NBFC) and a member of the Muthoot Group. The company specialises in retail lending, primarily focusing on two-wheeler financing, used car loans, consumer durables, and small-ticket business loans.
Business Model
The company generates revenue through interest income earned on its diversified retail loan portfolio. It leverages the extensive branch network and customer base of Muthoot Finance Limited for loan origination and collection activities.
- Branch Network Access:3500+
Growth Outlook
Growth is driven by the strategic utilisation of the Muthoot Group's established brand reputation and physical infrastructure. The company continues to expand its product offerings beyond two-wheeler financing into other retail credit segments.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its retail loan portfolio, particularly within the two-wheeler and small-ticket business loan segments.
- Concentration Risk. Reliance on the Muthoot Group's brand and infrastructure creates dependency on the parent group's overall market standing and operational health.
- Regulatory Risk. As a deposit-taking NBFC, the company is subject to stringent and evolving regulatory oversight by the Reserve Bank of India.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and the affordability of loans for its retail customer base.
Start your research today
Unlock AI insights, financials, peers and live data on Muthoot Capital Services Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹631 Cr
TTM · standalone
NET PROFIT
₹24 Cr
TTM · standalone
EPS
₹14.57
TTM · standalone
RETURN ON EQUITY
3.6%
TTM · standalone
P/E
16.8x
Q1 FY27 · standalone
NET PROFIT MARGIN
5.2%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27