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Muthoot Finance Limited

MUTHOOTFIN.NS

(2.2)
Stock Price

1.775,85 INR

4.28% ROA

18.37% ROE

16.94x PER

Market Cap.

756.378.249.200,00 INR

298.28% DER

1.27% Yield

33.33% NPM

Muthoot Finance Limited Stock Analysis

Muthoot Finance Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Muthoot Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (18.87%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

4 ROA

The stock's ROA (5.33%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (2.86x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Buffet Intrinsic Value

The company's stock seems undervalued (2.776) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

7 DER

The stock is burdened with a heavy load of debt (265%), making it financially unstable and potentially risky for investors.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

10 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

Muthoot Finance Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Muthoot Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Muthoot Finance Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Muthoot Finance Limited Revenue
Year Revenue Growth
2005 1.428.280.000
2006 1.340.705.621 -6.53%
2007 1.888.384.422 29%
2008 3.106.321.928 39.21%
2009 10.774.520.000 71.17%
2010 12.832.233.996 16.04%
2011 45.366.721.274 71.71%
2012 26.247.430.335 -72.84%
2013 23.771.751.830 -10.41%
2014 22.430.791.534 -5.98%
2015 26.629.860.741 15.77%
2016 35.954.277.535 25.93%
2017 46.017.228.044 21.87%
2018 50.447.590.000 8.78%
2019 65.167.420.000 22.59%
2020 74.510.770.000 12.54%
2021 79.592.450.000 6.38%
2022 77.658.270.000 -2.49%
2023 91.877.560.000 15.48%
2023 151.627.420.000 39.41%
2024 179.698.800.000 15.62%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Muthoot Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Muthoot Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 372.340.000
2006 622.240.147 40.16%
2007 795.561.263 21.79%
2008 1.404.946.889 43.37%
2009 2.359.870.000 40.47%
2010 2.638.994.107 10.58%
2011 168.088.995 -1470%
2012 896.928.942 81.26%
2013 1.241.841.257 27.77%
2014 1.103.305.994 -12.56%
2015 984.474.725 -12.07%
2016 1.098.889.472 10.41%
2017 1.312.058.018 16.25%
2018 1.324.000.000 0.9%
2019 1.410.040.000 6.1%
2020 1.518.580.000 7.15%
2021 1.908.620.000 20.44%
2022 761.670.000 -150.58%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Muthoot Finance Limited EBITDA
Year EBITDA Growth
2005 1.092.980.000
2006 652.581.064 -67.49%
2007 1.043.923.158 37.49%
2008 1.585.181.076 34.14%
2009 8.359.730.000 81.04%
2010 7.793.086.839 -7.27%
2011 36.751.425.943 78.8%
2012 43.192.820.858 14.91%
2013 38.074.835.101 -13.44%
2014 32.020.675.689 -18.91%
2015 36.517.371.474 12.31%
2016 43.412.822.254 15.88%
2017 50.050.675.723 13.26%
2018 32.345.800.000 -54.74%
2019 42.299.550.000 23.53%
2020 51.170.070.000 17.34%
2021 53.954.850.000 5.16%
2022 48.653.120.000 -10.9%
2023 58.268.960.000 16.5%
2023 66.424.310.000 12.28%
2024 81.847.040.000 18.84%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Muthoot Finance Limited Gross Profit
Year Gross Profit Growth
2005 1.428.280.000
2006 1.340.705.621 -6.53%
2007 1.888.384.422 29%
2008 3.106.321.928 39.21%
2009 10.774.520.000 71.17%
2010 12.832.233.996 16.04%
2011 45.366.721.274 71.71%
2012 26.247.430.335 -72.84%
2013 23.771.751.830 -10.41%
2014 22.430.791.534 -5.98%
2015 26.629.860.741 15.77%
2016 35.954.277.535 25.93%
2017 45.145.258.044 20.36%
2018 49.585.110.000 8.95%
2019 64.251.450.000 22.83%
2020 73.541.210.000 12.63%
2021 78.633.560.000 6.48%
2022 76.371.700.000 -2.96%
2023 91.877.560.000 16.88%
2023 96.405.580.000 4.7%
2024 114.885.160.000 16.09%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Muthoot Finance Limited Net Profit
Year Net Profit Growth
2005 268.860.000
2006 351.830.754 23.58%
2007 635.968.525 44.68%
2008 977.202.096 34.92%
2009 2.285.160.000 57.24%
2010 4.941.764.275 53.76%
2011 8.920.240.220 44.6%
2012 10.042.395.229 11.17%
2013 7.800.690.535 -28.74%
2014 6.710.447.606 -16.25%
2015 8.145.003.723 17.61%
2016 11.997.852.814 32.11%
2017 17.840.793.774 32.75%
2018 20.780.130.000 14.14%
2019 31.382.450.000 33.78%
2020 38.043.970.000 17.51%
2021 40.166.210.000 5.28%
2022 36.122.980.000 -11.19%
2023 42.384.800.000 14.77%
2023 43.242.880.000 1.98%
2024 46.561.240.000 7.13%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Muthoot Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 1
2006 1 100%
2007 2 50%
2008 3 33.33%
2009 6 50%
2010 16 60%
2011 24 37.5%
2012 27 11.11%
2013 21 -35%
2014 17 -25%
2015 20 20%
2016 30 33.33%
2017 45 31.82%
2018 52 13.73%
2019 78 34.62%
2020 95 17.02%
2021 100 6%
2022 90 -12.36%
2023 106 15.24%
2023 108 1.87%
2024 116 6.96%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Muthoot Finance Limited Free Cashflow
Year Free Cashflow Growth
2005 -943.190.000
2006 -5.836.098.254 83.84%
2007 -3.310.043.648 -76.31%
2008 -6.738.547.947 50.88%
2009 -24.193.980.000 72.15%
2010 -61.285.976.315 60.52%
2011 -88.214.256.152 30.53%
2012 -40.329.473.486 -118.73%
2013 56.543.255.093 171.32%
2014 -5.125.791.131 1203.11%
2015 713.519.429 818.38%
2016 -22.457.343.219 103.18%
2017 -12.779.856.076 -75.72%
2018 -49.011.030.000 73.92%
2019 -50.682.960.000 3.3%
2020 -79.057.690.000 35.89%
2021 -16.935.080.000 -366.83%
2022 -29.452.100.000 42.5%
2023 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Muthoot Finance Limited Operating Cashflow
Year Operating Cashflow Growth
2005 -709.370.000
2006 -5.758.915.709 87.68%
2007 -2.689.209.355 -114.15%
2008 -6.533.576.847 58.84%
2009 -23.866.430.000 72.62%
2010 -60.297.498.267 60.42%
2011 -87.088.077.134 30.76%
2012 -39.524.375.619 -120.34%
2013 57.261.926.645 169.02%
2014 -4.791.006.678 1295.2%
2015 1.016.088.991 571.51%
2016 -21.905.906.422 104.64%
2017 -12.294.782.326 -78.17%
2018 -48.242.030.000 74.51%
2019 -49.751.780.000 3.03%
2020 -78.142.890.000 36.33%
2021 -15.964.490.000 -389.48%
2022 -28.040.670.000 43.07%
2023 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Muthoot Finance Limited Capital Expenditure
Year Capital Expenditure Growth
2005 233.820.000
2006 77.182.545 -202.94%
2007 620.834.293 87.57%
2008 204.971.100 -202.89%
2009 327.550.000 37.42%
2010 988.478.048 66.86%
2011 1.126.179.018 12.23%
2012 805.097.867 -39.88%
2013 718.671.551 -12.03%
2014 334.784.453 -114.67%
2015 302.569.561 -10.65%
2016 551.436.798 45.13%
2017 485.073.750 -13.68%
2018 769.000.000 36.92%
2019 931.180.000 17.42%
2020 914.800.000 -1.79%
2021 970.590.000 5.75%
2022 1.411.430.000 31.23%
2023 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Muthoot Finance Limited Equity
Year Equity Growth
2005 904.330.000
2006 1.598.516.962 43.43%
2007 2.234.485.488 28.46%
2008 3.711.687.584 39.8%
2009 5.841.920.000 36.46%
2010 13.344.125.007 56.22%
2011 29.257.319.290 54.39%
2012 37.355.652.094 21.68%
2013 42.645.761.765 12.4%
2014 51.129.518.849 16.59%
2015 56.599.638.664 9.66%
2016 66.099.775.836 14.37%
2017 79.484.358.314 16.84%
2018 100.735.770.000 21.1%
2019 120.013.520.000 16.06%
2020 157.596.000.000 23.85%
2021 191.378.960.000 17.65%
2022 221.528.040.000 13.61%
2023 257.540.400.000 13.98%
2023 234.024.510.000 -10.05%
2024 258.974.140.000 9.63%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Muthoot Finance Limited Assets
Year Assets Growth
2005 9.405.240.000
2006 16.145.873.014 41.75%
2007 23.002.810.490 29.81%
2008 37.735.519.401 39.04%
2009 64.401.410.000 41.41%
2010 139.664.125.007 53.89%
2011 233.722.018.834 40.24%
2012 294.162.654.545 20.55%
2013 255.938.739.752 -14.93%
2014 269.961.914.732 5.19%
2015 273.947.471.023 1.45%
2016 321.841.420.204 14.88%
2017 343.051.254.418 6.18%
2018 417.347.990.000 17.8%
2019 548.816.920.000 23.95%
2020 686.414.350.000 20.05%
2021 763.164.740.000 10.06%
2022 801.489.200.000 4.78%
2023 964.694.200.000 16.92%
2023 880.845.160.000 -9.52%
2024 1.044.501.620.000 15.67%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Muthoot Finance Limited Liabilities
Year Liabilities Growth
2005 8.500.910.000
2006 14.547.356.052 41.56%
2007 20.768.325.002 29.95%
2008 34.023.831.817 38.96%
2009 58.559.490.000 41.9%
2010 126.320.000.000 53.64%
2011 204.464.699.543 38.22%
2012 256.807.002.451 20.38%
2013 213.292.977.987 -20.4%
2014 218.832.395.882 2.53%
2015 217.347.832.357 -0.68%
2016 255.741.644.367 15.01%
2017 263.566.896.102 2.97%
2018 316.612.220.000 16.75%
2019 428.803.400.000 26.16%
2020 528.818.350.000 18.91%
2021 571.785.780.000 7.51%
2022 579.961.160.000 1.41%
2023 707.153.800.000 17.99%
2023 646.820.650.000 -9.33%
2024 785.527.480.000 17.66%

Muthoot Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
333.75
Net Income per Share
111.25
Price to Earning Ratio
16.94x
Price To Sales Ratio
5.65x
POCF Ratio
577.41
PFCF Ratio
577.41
Price to Book Ratio
2.99
EV to Sales
10.85
EV Over EBITDA
21.26
EV to Operating CashFlow
1110.25
EV to FreeCashFlow
1110.25
Earnings Yield
0.06
FreeCashFlow Yield
0
Market Cap
756,38 Bil.
Enterprise Value
1.454,39 Bil.
Graham Number
1254.94
Graham NetNet
-1817.98

Income Statement Metrics

Net Income per Share
111.25
Income Quality
0.03
ROE
0.18
Return On Assets
0.04
Return On Capital Employed
0.06
Net Income per EBT
0.72
EBT Per Ebit
0.93
Ebit per Revenue
0.5
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.56
Operating Profit Margin
0.5
Pretax Profit Margin
0.47
Net Profit Margin
0.33

Dividends

Dividend Yield
0.01
Dividend Yield %
1.27
Payout Ratio
0
Dividend Per Share
24

Operating Metrics

Operating Cashflow per Share
3.26
Free CashFlow per Share
3.26
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.05
Return on Tangible Assets
0.04
Days Sales Outstanding
0.48
Days Payables Outstanding
9.62
Days of Inventory on Hand
0
Receivables Turnover
763.91
Payables Turnover
37.94
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
138,35
Book Value per Share
645,07
Tangible Book Value per Share
644.19
Shareholders Equity per Share
629.17
Interest Debt per Share
2020.91
Debt to Equity
2.98
Debt to Assets
0.72
Net Debt to EBITDA
10.21
Current Ratio
0
Tangible Asset Value
258,62 Bil.
Net Current Asset Value
-785,53 Bil.
Invested Capital
4158760000
Working Capital
-1,55 Bil.
Intangibles to Total Assets
0
Average Receivables
0,18 Bil.
Average Payables
1,47 Bil.
Average Inventory
0
Debt to Market Cap
1

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Muthoot Finance Limited Dividends
Year Dividends Growth
2012 4
2013 8 42.86%
2014 7 0%
2015 6 -16.67%
2016 2 -200%
2017 6 66.67%
2018 10 40%
2019 12 16.67%
2020 15 20%
2021 20 25%
2022 20 0%
2023 22 9.09%
2024 24 8.33%

Muthoot Finance Limited Profile

About Muthoot Finance Limited

Muthoot Finance Limited operates as a gold financing company in India. The company offers personal and business loans secured by gold jewelry, or gold loans primarily to individuals and micro finance. It also provides housing finance, gold coins, money transfer, and foreign exchange services; mutual funds and non-convertible debentures; health, home, vehicle, life, and travel insurance products; and vehicle, corporate, and SME loans. In addition, the company generates electric power through windmills in Tamilnadu. As of March 31, 2022, it operated through approximately 4,617 branches in 23 states and 6 Union Territories. The company was founded in 1887 and is headquartered in Kochi, India.

CEO
Mr. George Alexander Muthoot F
Employee
28.286
Address
Muthoot Chambers
Kochi, 682018

Muthoot Finance Limited Executives & BODs

Muthoot Finance Limited Executives & BODs
# Name Age
1 Mr. George Muthoot Jacob
Deputy MD & Whole Time Director
70
2 Mr. George Muthoot Alexander Jr.
Deputy MD & Whole Time Director
70
3 Mr. George Muthoot George
Deputy MD & Whole Time Director
70
4 Mr. Kuttikattu Rajappan Bijimon
Chief Operating Officer & Executive Director
70
5 Mr. Manoj Jacob
General Manager of Accounts & Taxation
70
6 Mr. T M Saithumuhammed
Chief Compliance Officer
70
7 Mr. Oommen K. Mammen
Chief Financial Officer
70
8 Mr. George Thomas Muthoot
Joint MD & Whole Time Director
70
9 Mr. George Alexander Muthoot FCA
MD & Whole Time Director
70
10 Mr. Alexander George Muthoot
Joint MD & Whole Time Director
70

Muthoot Finance Limited Competitors