Muthoot Finance Ltd.
NSE: MUTHOOTFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Muthoot Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Muthoot Finance Limited is a prominent Indian non-banking financial company primarily focused on providing gold-backed loans to individuals and micro-enterprises. The company also offers a diversified suite of financial services, including housing finance, insurance, money transfer, and foreign exchange, alongside minor operations in wind power generation.
Business Model
The company generates revenue primarily through interest income earned on gold loans, supplemented by fee-based income from ancillary financial services and insurance distribution. It leverages an extensive branch network to provide liquidity against gold jewellery collateral.
- Branch Network:4,617
Growth Outlook
Growth is driven by the expansion of the gold loan portfolio and the cross-selling of diversified financial products to an existing customer base. The company continues to leverage its widespread physical presence across Indian states to capture demand in the micro-finance and personal loan segments.
Key Risks
- Gold Price Volatility. A significant decline in gold prices reduces the value of collateral, potentially increasing the risk of loan-to-value breaches and credit losses.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations regarding gold loan-to-value ratios or interest rate caps could adversely impact profit margins.
- Operational Risk. The company faces risks related to the security and storage of large quantities of physical gold held as collateral across its extensive branch network.
- Competition. Increased competition from banks and other NBFCs entering the gold loan space may exert pressure on interest margins and market share.
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Key Metrics
REVENUE
₹33,431 Cr
TTM · consolidated
NET PROFIT
₹11,457 Cr
TTM · consolidated
EPS
₹283.28
TTM · consolidated
RETURN ON EQUITY
33.5%
TTM · consolidated
P/E
10.3x
Q1 FY27 · consolidated
NET PROFIT MARGIN
32.6%
Q1 FY27 · consolidated
DEBT TO EQUITY
3.8%
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 Finance Ltd.MUTHOOTFIN | ₹1.17L Cr | 10.29 | — | 50.7% | — | 33.5% | — | +3.1% |
Tata CapitalTATACAP | ₹1.59L Cr | 29.10 | — | — | — | 11.9% | — | — |
Cholamandalam Investment and Finance Company Ltd.CHOLAFIN | ₹1.57L Cr | 27.11 | — | 19.6% | — | 21.2% | — | +25.9% |
L&T Finance Ltd.LTF | ₹78,673 Cr | 24.70 | — | 15.4% | — | 11.9% | — | +37.8% |
SBI Cards and Payment Services Ltd.SBICARD | ₹62,640 Cr | 27.54 | — | 7.9% | — | 15.4% | — | -17.0% |
HDB Financial ServicesHDBFS | ₹56,688 Cr | 20.52 | — | — | — | 13.4% | — | -11.7% |
As of Q1 FY27
Financials
Muthoot Finance Ltd.
NSE: MUTHOOTFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Muthoot Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Muthoot Finance Limited is a prominent Indian non-banking financial company primarily focused on providing gold-backed loans to individuals and micro-enterprises. The company also offers a diversified suite of financial services, including housing finance, insurance, money transfer, and foreign exchange, alongside minor operations in wind power generation.
Business Model
The company generates revenue primarily through interest income earned on gold loans, supplemented by fee-based income from ancillary financial services and insurance distribution. It leverages an extensive branch network to provide liquidity against gold jewellery collateral.
- Branch Network:4,617
Growth Outlook
Growth is driven by the expansion of the gold loan portfolio and the cross-selling of diversified financial products to an existing customer base. The company continues to leverage its widespread physical presence across Indian states to capture demand in the micro-finance and personal loan segments.
Key Risks
- Gold Price Volatility. A significant decline in gold prices reduces the value of collateral, potentially increasing the risk of loan-to-value breaches and credit losses.
- Regulatory Risk. Changes in Reserve Bank of India (RBI) regulations regarding gold loan-to-value ratios or interest rate caps could adversely impact profit margins.
- Operational Risk. The company faces risks related to the security and storage of large quantities of physical gold held as collateral across its extensive branch network.
- Competition. Increased competition from banks and other NBFCs entering the gold loan space may exert pressure on interest margins and market share.
Start your research today
Unlock AI insights, financials, peers and live data on Muthoot Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹33,431 Cr
TTM · consolidated
NET PROFIT
₹11,457 Cr
TTM · consolidated
EPS
₹283.28
TTM · consolidated
RETURN ON EQUITY
33.5%
TTM · consolidated
P/E
10.3x
Q1 FY27 · consolidated
NET PROFIT MARGIN
32.6%
Q1 FY27 · consolidated
DEBT TO EQUITY
3.8%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27