Muthoot Finance Ltd Share Price
(MUTHOOTFIN)
₹2382.9▲1.92%
as on 04:01PM, 28 Mar 2025
Muthoot Finance Performance
Day's Low
Day's High
₹2,332.05Day's Price Range₹2,400.9552 Week's Low
52 Week's High
₹1,410.9552-Week Price Range₹2,435.4
| Returns % | |
| 1 Month Return | + 11.02 % |
| 3 Month Return | + 11.55 % |
| 1 Year Return | + 52.39 % |
| Market Stats | |
| Previous Close | ₹2,337.90 |
| Open | ₹2,360.00 |
| Volume | 9.72L |
| Upper Circuit | ₹2,571.65 |
| Lower Circuit | ₹2,104.15 |
| Market Cap | ₹95,664.83Cr |
Muthoot Finance Fundamentals
P/E Ratio
19.16
PEG Ratio
0.92
Market Cap
₹95,664.83 Cr
P/B Ratio
2.44
EPS
111.28
Dividend Yield
1.62
Sector
Finance
ROE
17.86
Mutual Fund Holdings of Muthoot Finance
Muthoot Finance Analyst Rating
based on 20 analysts
75.00%
Buy
25.00%
Hold
0.00%
Sell
Based on 20 analysts offering long term price targets for Muthoot Finance. An average target of ₹2488.25
Source: S&P Global Market Intelligence
Muthoot Finance Share analysis
Muthoot Finance price forecast by 20 analysts
Upside of4.42%
High
₹2800
Target
₹2488.25
Low
₹2230
Muthoot Finance target price ₹2488.25, a slight upside of 4.42% compared to current price of ₹2382.9. According to 20 analysts rating.
Excluding Excise Duty and Other Income, represents Net Revenue
Muthoot Finance revenue growth forecast
Expected growth rate Q1, FY2027:
Forecast
Actual
Including amortisation and stock based compensations
Muthoot Finance EPS growth forecast
EPS estimate Q1, FY2027:74.32%
Forecast
Actual
Source: S&P Global Market Intelligence
Key events for Muthoot Finance Ltd
Muthoot Finance Gains Positive Outlook and Growth Strategy - 28 Mar, 2025
Muthoot Fincorp emphasizes microcredit growth via UPI, while LKP Research initiates coverage on Muthoot Finance with a bullish target price of ₹2,849.Muthoot Finance Hits High, Trading Recommendations Issued - 21 Mar, 2025
Muthoot Finance stock reached a 52-week high of ₹2,444.6, with trading recommendations to buy at ₹2,374 and targets set between ₹2,520-2,575.Muthoot Finance Bonds and Stock Performance Update - 20 Mar, 2025
Muthoot Finance has initiated a Reg-S tap of its bond issue following a ratings upgrade to BB+. The company also accepted bids for a $250 million bond reissue, hitting a 52-week high in the process.Muthoot Finance Receives Ratings Upgrade and Growth Guidance - 19 Mar, 2025
Muthoot Finance has been upgraded by S&P Global Ratings, raising its AUM growth guidance to 40% for FY25, and pricing $250 million in secured notes to expand lending activities.Muthoot Finance Receives Ratings Upgrade from S&P - 18 Mar, 2025
S&P Ratings has upgraded Muthoot Finance's long-term issue ratings to BB+ from BB, citing the company's strong market position in gold loans despite expected asset quality stress in microfinance.Muthoot Finance Shares Surge on Gold Loan Milestone - 17 Mar, 2025
Muthoot Finance shares experienced significant gains as the company reported crossing ₹1 trillion in gold loan assets. The stock's performance was bolstered by rising gold prices and strong investor confidence, alongside bond issuance activities.Muthoot Finance Surpasses ₹1 Lakh Crore in Gold Loans - 14 Mar, 2025
Muthoot Finance achieved a significant milestone by surpassing ₹1 lakh crore in gold loan Assets Under Management. The company reported strong growth in net profit and customer base, despite a recent fraud incident involving a subsidiary. This achievement underscores the company's commitment to innovation and customer-centricity.Muthoot Finance Faces Fraud Allegations and Stock Decline - 13 Mar, 2025
Muthoot Finance's subsidiary, Muthoot Insurance Brokers, reported a fraud involving Rs 11.92 crore misappropriated by its CEO and an ex-employee. The incident led to a 2.4% drop in stock price, with a projected notional revenue loss of Rs 31.28 crore. The company clarified that there was no direct financial loss to its operations.Nuvama Issues Buy Rating for Muthoot Finance - 11 Mar, 2025
Nuvama has issued a buy rating for Muthoot Finance, setting a target price of Rs 2300 and a stop loss at Rs 2120, indicating positive market sentiment.RBI Proposes Stricter Underwriting for Gold Loans - 07 Mar, 2025
On March 7, 2025, shares of gold loan providers like Muthoot Finance may be impacted as the RBI plans to enforce stricter underwriting processes for gold loans, focusing on monitoring fund usage to manage growth in this sector.RBI's Risk Weight Cut Boosts Rural Lending Potential - 04 Mar, 2025
Muthoot Finance's MD highlights the RBI's recent risk weight reduction for NBFCs as a positive move to enhance rural lending and credit accessibility, benefiting both consumers and the economy.Muthoot Finance Reports Strong Q4 Results - 28 Feb, 2025
Muthoot Finance's consolidated net sales for December 2024 reached Rs 5,189.73 crore, up 35.86% YoY. Net profit rose 25.89% to Rs 1,389.18 crore, with EBITDA increasing by 28.46%. EPS improved to Rs 35.36. The stock has delivered 11.20% returns over the last 6 months and 70.64% over the past year.
Insights on Muthoot Finance Ltd
Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.
POSITIVE IMPACTBest in 1 Year
In the last 1 year, MUTHOOTFIN has outperformed top 5 stocks with highest market-cap in Consumer Lending
- POSITIVE IMPACT
Profit Spike
Netprofit is up for the last 11 quarters, 819.22 Cr → 1.38K Cr (in ₹), with an average increase of 5.1% per quarter
- POSITIVE IMPACT
Price Rise
In the last 3 months, MUTHOOTFIN stock has moved up by 11.6%
- POSITIVE IMPACT
FII Holding Up
Foreign Institutions have increased holdings from 9.84% to 10.26% in Dec 2024 quarter
- POSITIVE IMPACT
Revenue Rich
Revenue is up for the last 11 quarters, 2.80K Cr → 5.22K Cr (in ₹), with an average increase of 6.0% per quarter
NO EFFECTPromoter Holding Unchanged
Promoters holdings remained unchanged at 73.35% of holdings in Dec 2024 quarter
- NO EFFECT
Against Peers
In the last 3 years, Cholamandalam Investment & Finance Company Ltd has given 111.6% return, outperforming this stock by 32.5%
NEGATIVE IMPACTMF Holding Down
Mutual Funds have decreased holdings from 12.32% to 11.33% in Dec 2024 quarter
- NEGATIVE IMPACT
Retail Holding Down
Retail Investor have decreased holdings from 3.50% to 3.40% in Dec 2024 quarter
Muthoot Finance News
Two Arrested for Attempted Break-in at Muthoot Finance Branch
Mangaluru city police arrested two persons for allegedly attempting to break into the Muthoot Finance outlet at Derlakatte, near here, in the early hours of March 30.31 Mar, 2025 12:31 PMThomas John Muthoot Elected CII South Chairman, Ravichandran Purushothaman Appointed Vice-Chairman
He is also the Chairman and Managing Director of Muthoot Fincorp, which has a wide network of 3,800 branches, serving over 1.25 lakh customers. Muthoot has been instrumental in driving digital transformation within the group, integrating financial technology solutions, among others.29 Mar, 2025 06:32 PMMuthoot Finance Share Price Target at Rs 2,849 by LKP Securities
LKP Securities has initiated coverage on Muthoot Finance Limited (MFL) with a BUY recommendation, assigning a 12-month target price of Rs 2,849, representing a 22% upside from the current market price of Rs 2,338. As the undisputed market leader in Indias organized gold loan segment, Muthoots well-capitalized, customer-centric and digitally evolving model positions it strongly for sustained growth. With superior return ratios, consistent profitability, and a unique risk-averse lending portfolio backed by gold, the company continues to outperform the broader NBFC sector. LKPs conviction is anchored in MFLs strong fundamentals, expanding footprint, and conservative yet scalable business approach. Muthoot Finance has transformed Indias fragmented gold loan industry into an organized, profitable vertical, effectively leveraging its first-mover advantage. With over 4,900 branches and deep penetration across semi-urban and rural India, the company caters to a borrower segment often excluded by traditional banks. Unlike many NBFCs that navigate credit risk via unsecured retail or SME lending, MFL thrives in a collateral-backed model with low credit costs and minimal default risk. Gold loans are short-tenured, small-ticket, and secured with high-quality household gold, making this a naturally de-risked portfolio. LKPs forecast outlines a robust growth path for Muthoot Finance across key performance parameters: Metric FY24 FY27E Net Interest Income Rs 77,928 mn Rs 153,875 mn Reported PAT Rs 40,497 mn Rs 80,144 mn Loan & Advances Rs 770,014 mn Rs 1,450,733 mn Return on Assets (RoA) 5.1% 5.4% Return on Equity (RoE) 17.9% 21.4%. The bottom line: A 26% CAGR in profits between FY24–FY27 is anticipated, driven by margin expansion, operational efficiency, and AUM growth. MFLs AUM is projected to expand at a 24% CAGR over FY24–FY27, bolstered by several structural and macroeconomic enablers: Rising gold prices enhance the collateral value, allowing for higher disbursals per customer. Shift away from unsecured loans is increasing reliance on secured lending like gold loans. RBIs recent approval for 115 new branches will extend Muthoots reach, aiding further disbursal expansion. Muthoots customer retention rate stands at a remarkable 80%, reflecting brand trust and ease of credit access. The LKP report uses a Sum-of-the-Parts (SOTP) valuation model, assigning value to both the core gold loan business and MFLs subsidiaries. Business Unit Value Assigned Per Share (Rs) Standalone MFL 2,757 Muthoot Homefin 25 Belstar Microfinance 52 Muthoot Insurance Brokers 10 Muthoot Money 20 Total SOTP Valuation 2,849. In Q3FY25, gross stage 3 assets increased to 4.22% from 3.62% YoY. However, Muthoots gold-backed model means that technical NPAs rarely lead to credit losses. Customers often request extensions on repayment terms; Muthoot accommodates this, reinforcing loyalty. The collateralized nature of the business ensures recovery through auction if loans arent repaid. The company maintains a conservative Loan-to-Value (LTV) ratio of 63%, well below the RBI cap of 75%. Operating metrics have steadily improved: Cost-to-Income ratio has declined from 30.9% in FY23 to 26.9% in FY27E, indicating efficient scaling. Investments in digital platforms and online gold loans are reducing processing time and overheads. Management expects employee and branch costs to increase moderately but remain within budgeted ratios. While Muthoot enjoys a dominant 76.7% market share among NBFCs in FY24, key risks include: Volatility in gold prices could affect LTV and asset valuations. Increased competition from banks offering gold loans at lower interest rates may pressure yields. Alternate loan products (personal loans, MSME credit) could see resurgence as credit conditions improve. That said, Muthoots customer-centric model, rapid disbursal and safety assurances continue to differentiate it from rivals. Muthoot Finance is trading at a 2.3x FY27E P/BV, which is slightly above its 3-year average but still at a discount to broader NBFC peers. When adjusted for risk (thanks to gold-backed loans), it offers one of the best risk-adjusted return profiles in the Indian financial sector. With gold prices expected to remain elevated and funding conditions improving, Muthoot is well-positioned to ride the next leg of NBFC expansion. Recommendation: BUY. Target Price: Rs 2,849. Current Market Price: Rs 2,338. Upside Potential: 22%. Muthoot Finance is a classic case of scalable conservatism—combining operational discipline with an underpenetrated market opportunity. As investors seek resilient plays in a shifting macroeconomic environment, MFL presents a rare blend of stability, yield, and growth. Its commanding market share, deep customer loyalty, conservative risk management, and focused expansion make it a compelling long-term wealth creator.29 Mar, 2025 11:21 AMMuthoot Finance Financials
Muthoot Finance Index Inclusions
Muthoot Finance Shareholding Pattern
| Investors | Holdings % | FY Quarter | 3M change |
|---|---|---|---|
| Promoter Holdings | 73.35% | 0.00 | |
| Foreign Institutions | 10.26% | 4.27 | |
| Mutual Funds | 11.33% | ||
| Retail Investors | 3.4% | ||
| Others | 1.66% | 68.49 |
Muthoot Finance Key Indicators
Muthoot Finance Valuation
Muthoot Finance in the last 5 years
Lowest (7.14x)
March 23, 2020
Today (19.16x)
March 28, 2025
Industry (26.40x)
March 28, 2025
Highest (19.43x)
March 19, 2025
Muthoot Finance Earnings and Dividends
Muthoot Finance Ltd Earnings Results
Muthoot Finance Ltd’s net profit jumped 25.89% since last year same period to ₹1,389.18Cr in the Q3 2024-2025. On a quarterly growth basis, Muthoot Finance Ltd has generated 9.25% jump in its net profits since last 3-months.
Read More about Earnings ResultsMuthoot Finance Ltd Dividends May,2024
In the quarter ending March 2024, Muthoot Finance Ltd has declared dividend of ₹24 - translating a dividend yield of 1.01%.
Read More about Dividends
Muthoot Finance Technicals Summary
Bearish
Neutral
Bullish
Muthoot Finance Ltd is currently in a Bullish trading position according to technical analysis indicators.
Muthoot Finance Peer Comparison
Company | Analyst View | Market Cap | 5 Year CAGR | Debt to Asset Ratio | Net Profit | Yearly Revenue |
|---|---|---|---|---|---|---|
| BUY | ₹95,664.83 Cr | 57.73% | 0.85 | ₹4,467 Cr | ₹15,061 Cr | |
| BUY | ₹5,54,518.65 Cr | 60.74% | 0.88 | ₹14,451 Cr | ₹54,971 Cr | |
| HOLD | ₹49,972.00 Cr | -9.96% | 0.51 | -₹1,423 Cr | ₹9,977 Cr | |
| BUY | ₹3,20,505.97 Cr | 67.44% | 0.50 | ₹15,595 Cr | ₹1,10,382 Cr | |
| BUY | ₹1,27,818.81 Cr | 178.88% | 0.94 | ₹3,410 Cr | ₹19,163 Cr |
About Muthoot Finance
Muthoot Finance Ltd is one of the largest gold loan companies in India, with a network of over 4,400 branches. It is also one of the leading non-banking financial companies (NBFCs) in the country. The company provides gold loans to individuals and businesses, secured against gold jewellery. It also offers a variety of other loan products, such as personal loans, business loans, housing finance, vehicle finance, and more.
The company also offers a range of other services, including money transfer, foreign exchange, insurance, and wealth management services. It has a number of popular brands, such as Muthoot Fincorp, Muthoot Money, and Muthoot Capital Services.
Revenue: ₹5,221.69Cr as on December 2024 (Q4 24)
Net Profit: ₹1,391.55Cr as on December 2024 (Q4 24)
Listing date: 06 May, 2011
Chairperson Name: George Jacob Muthoot
| Organisation | Muthoot Finance |
| Headquarters | Kochi |
| Industry | Finance |
| E-voting on shares | Click here to vote |
FAQs on Muthoot Finance Ltd
What is Muthoot Finance Ltd price today?
Muthoot Finance Ltd share price today stands at ₹2382.9, Open: ₹2360, Previous Close: ₹2337.9, High: ₹2400.95, Low: ₹2332.05, 52 Week High: ₹2435.4, 52 Week Low: ₹1410.95.
How to Buy Muthoot Finance Ltd Share in India?
- Get a PAN card
- Open a Demat account
- Open a Trading account
- Link your Demat account to your Trading account
- Fund your Trading account
- Place an order to buy Muthoot Finance Ltd shares
What are today's traded volumes of Muthoot Finance Ltd?
Today's traded volume of Muthoot Finance Ltd(MUTHOOTFIN) is 9.72L.
What is today's market capitalisation of Muthoot Finance Ltd?
Today's market capitalisation of Muthoot Finance Ltd(MUTHOOTFIN) is ₹95664.83Cr.
What is the 52 Week High and Low Range of Muthoot Finance Ltd?
How much percentage Muthoot Finance Ltd is down from its 52 Week High?
Muthoot Finance Ltd (MUTHOOTFIN) share price is ₹2382.9. It is down -2.16% from its 52 Week High price of ₹2435.4
How much percentage Muthoot Finance Ltd is up from its 52 Week low?
Muthoot Finance Ltd (MUTHOOTFIN) share price is ₹2382.9. It is up 68.89% from its 52 Week Low price of ₹1410.95