MUTHOOTFIN.NS Muthoot Finance Limited
INR·Price 3164.60·Mkt cap 1.27TComputed from the latest reported financials and the current market price.
Who's the real player?
A genuine play on this theme — most of its business sits right here.
Is the business healthy?
Shaky fundamentals — weak cash generation or a stretched balance sheet. Tread carefully.
- ⚠High accrual ratio: earnings not backed by cash (manipulation risk)
- ⚠Weak FCF conversion (<50% of net income turns into free cash)
- ⚠Altman Z in distress zone (<1.8)
- High growth quality
- Strong valuation
Are the smart people buying?
No ownership-change data for this stock. Conviction is judged from capex and buyback signals alone.
- High promoter/insider ownership
- Insider net buys
What is management saying?
No earnings-call transcript or filings found for this stock.
Is the price right?
DCF not meaningful here — no positive base FCF or share count — DCF not meaningful.
Through the masters' eyes
Each investor's numeric rules, checked against this stock's metrics: exact math, no guesswork. Tap one to see which rules pass, fail, and what to judge yourself.
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Passes 1 of 1 of Raamdeo Agrawal's numeric checks. Still judge the non-numeric criteria below for yourself.
- Longevity: revenue consistency ≥ 70% — now 86.2%
- Durability of the growth (longevity)
- Quality and honesty of management
Couldn't check from available data: Quality: ROCE ≥ 18% — not available; Growth: earnings CAGR ≥ 15% — not available; Price: PEG ≤ 2 — not available
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Passes 2 of 3 of Rakesh Jhunjhunwala's numeric checks. Still judge the non-numeric criteria below for yourself.
- ROE ≥ 18% — now 27.1%
- Net margin ≥ 10% — now 52.3%
- Conservative leverage (D/E ≤ 1.0) — now 3.86
- A large, scalable opportunity
- Trustworthy, ambitious management
- Conviction to hold through volatility
Couldn't check from available data: Earnings growth ≥ 15% — not available
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Passes 2 of 3 of Radhakishan Damani's numeric checks. Still judge the non-numeric criteria below for yourself.
- Consistent revenue (consistency ≥ 80%) — now 86.2%
- Positive net margin — now 52.3%
- Very low debt (D/E ≤ 0.5) — now 3.86
- A durable consumer franchise
- Pricing power
- A long runway, bought patiently
Couldn't check from available data: High returns on capital (ROCE ≥ 18%) — not available
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Passes 2 of 4 of Warren Buffett's numeric checks. Still judge the non-numeric criteria below for yourself.
- ROE ≥ 15% — now 27.1%
- Net margin ≥ 10% — now 52.3%
- Positive free cash flow — now -234.6%
- Conservative leverage (D/E ≤ 1.0) — now 3.86
- A business you can understand
- A durable competitive moat
- Honest, capable management
Couldn't check from available data: Trades below intrinsic value (margin of safety ≥ 0) — not available
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Passes 1 of 2 of Charlie Munger's numeric checks. Still judge the non-numeric criteria below for yourself.
- ROE ≥ 15% — now 27.1%
- Conservative leverage (D/E ≤ 1.0) — now 3.86
- A high-quality, understandable business
- A durable moat
- Management of integrity
Couldn't check from available data: High returns on capital (ROCE ≥ 15%) — not available; Trades below intrinsic value (margin of safety ≥ 0) — not available
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Passes 1 of 2 of Vijay Kedia's numeric checks. Still judge the non-numeric criteria below for yourself.
- ROE ≥ 15% — now 27.1%
- Manageable debt (D/E ≤ 1.0) — now 3.86
- Ambitious, capable management
- A small company with a large opportunity
- Patience to hold for years
Couldn't check from available data: Strong earnings growth ≥ 20% — not available
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Passes 1 of 5 of Benjamin Graham's numeric checks. Still judge the non-numeric criteria below for yourself.
- P/E ≤ 15 — now 12.01
- P/B ≤ 1.5 — now 3.25
- Graham number: P/E × P/B ≤ 22.5 — now 39
- Debt below equity (D/E ≤ 1.0) — now 3.86
- Financially safe (Altman Z ≥ 3) — now 0.89
- A long record of stable earnings
- An uninterrupted dividend history
Couldn't check from available data: Strong liquidity (current ratio ≥ 1.5) — not available
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Passes 0 of 1 of Peter Lynch's numeric checks. Still judge the non-numeric criteria below for yourself.
- Manageable debt (D/E ≤ 1.0) — now 3.86
- A simple business you understand
- Which 'type' it is (fast grower, stalwart, cyclical…)
- A believable growth story
Couldn't check from available data: PEG ≤ 1 (growth cheap vs price) — not available; Earnings growth ≥ 15% — not available; Solid liquidity (current ratio ≥ 1.5) — not available
Financial statements (INR)
↗ sourceCash-flow lines highlighted — we trust cash over reported profit.
| Line | 2026 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | 202.64B | 128.53B | 96.56B | 77.10B | — |
| Operating income | — | — | — | — | — |
| EBITDA | — | — | — | — | — |
| Net income | 105.90B | 53.33B | 43.24B | 36.12B | — |
| Operating cash flow | -473.93B | -265.25B | -136.05B | -28.04B | — |
| Capex | -1.53B | -2.17B | -2.22B | -1.41B | — |
| Free cash flow | -475.45B | -267.42B | -138.28B | -29.45B | — |
| Total assets | 1.96T | 1.33T | 964.70B | 801.49B | — |
| Total equity | 391.30B | 293.65B | 251.07B | 216.66B | — |
| Total debt | 1.51T | 988.15B | 677.42B | 555.06B | — |
| Cash & equivalents | 128.68B | 84.86B | 63.89B | 80.74B | — |