Muthoot Capital Services Ltd.

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muthootcap.comBSE: 511766NSE: MUTHOOTCAP

Market Cap₹ 374 Cr.

Current Price

High / Low₹ 303 / 175

Stock P/E15.6

Book Value₹ 413

Price to Book0.44

Dividend Yield0.00 %

ROCE8.8 %

ROE1.7 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 22.0%
Latest quarter profit grew 273.9% YoY, showing strong momentum

CONS

Asset quality is weak - gross NPA at 7.0%
Net NPA is elevated at 4.1% - provisioning cushion is thin
A large part of profit comes from other income (76.7% of PBT)
Company has a low return on capital employed of 11.0%
Free cash flow has been persistently negative
Company has delivered a poor profit growth of -26.3% over past five years

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	MUTHOOTCAP	227.10	15.58	373.52	0.00	8.12	273.92	155.53	7.11	8.83	54.46

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	106	98	96	98	100	108	126	137	145	153	155	166	156
	38	84	43	41	41	37	46	64	77	69	68	78	150
Operating Profit	69	56	53	57	59	72	79	73	68	84	87	85	85
OPM %	64.68%	56.61%	54.98%	58.53%	58.96%	66.54%	63.28%	53.57%	46.78%	55.05%	56.10%	51.21%	54.46%
Other Income	0	2	1	0	0	1	0	3	2	2	6	2	5
Interest	44	41	40	42	44	51	62	68	75	81	81	78	78
Depreciation	0	0	0	0	1	1	1	2	1	1	1	4	1
	24	112	13	15	15	22	17	7	-6	4	10	8	11
Tax %	26.86%	25.70%	25.24%	20.42%	25.57%	26.13%	27.36%	8.02%	24.31%	23.92%	25.87%	30.80%	25.16%
Net Profit	18	83	10	12	11	16	13	6	-5	3	8	5	8
	11	5	6	7	7	10	8	4	-3	2	5	3	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	284	398	518	586	504	411	443	398	472	621	630
	133	192	206	264	247	476	185	272	204	293	365
Operating Profit	151	206	313	323	257	-65	257	126	268	328	265
OPM %	53.15%	51.77%	60.36%	54.99%	50.97%	-15.89%	58.11%	31.62%	56.77%	52.83%	42.07%
	0	0	0	0	1	0	0	207	21	10	13
Interest	104	123	179	228	187	150	148	168	224	315	318
Depreciation	1	1	1	2	1	1	1	1	5	7	7
Profit before Tax	46	82	133	93	70	-216	109	164	60	16	33
Tax %	34.85%	34.91%	35.21%	35.29%	25.96%	24.92%	27.68%	25.36%	24.26%	28.46%	26.59%
Net Profit	30	54	86	60	51	-162	79	123	46	11	24
EPS	21.93	36.39	52.35	36.77	31.29	-98.47	47.84	74.58	27.81	6.79	—
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: 11%
5 Years:: 4%
3 Years:: 12%

COMPOUNDED PROFIT GROWTH

10 Years:: -7%
5 Years:: -26%
3 Years:: -48%

STOCK PRICE CAGR

10 Years:: 3%
5 Years:: -11%
3 Years:: -16%
1 Year:: -18%

RETURN ON EQUITY

10 Years:: 10%
5 Years:: 3%
3 Years:: 10%
Last Year:: 2%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	12	16	16	16	16	16	16	16	16	16
	166	377	431	491	543	395	473	595	642	654
	939	1,356	2,126	2,351	1,945	1,625	1,891	1,660	2,855	3,314
Trade Payables	10	16	22	16	21	28	30	15	27	31
	144	201	13	11	13	-66	-67	-28	5	5
Total Liabilities	1,272	1,966	2,608	2,886	2,538	1,999	2,343	2,259	3,545	4,021
	2	2	2	4	3	2	2	6	10	8
	15	18	20	16	16	27	46	107	112	129
Cash & Bank	14	17	85	399	610	335	574	240	343	443
	1,240	1,929	2,501	2,467	1,909	1,634	1,721	1,906	3,080	3,440
Total Assets	1,272	1,966	2,608	2,886	2,538	1,999	2,343	2,259	3,545	4,021

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-82	-582	-259	295	862	263	134	141	-845	-54
Cash from Investing	-2	-3	0	2	1	-9	-17	-63	-8	-24
Cash from Financing	107	619	529	229	-416	-311	272	-251	1,220	467
	6	2	29	255	255	-248	209	-321	116	68

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	62.62	62.62	62.62	62.62	62.62	63.33	63.33	63.33	63.33
	1.32	1.30	1.46	1.39	2.50	1.99	1.38	1.30	1.25
	0.84	1.22	1.27	1.36	1.45	1.43	1.43	1.01	1.01
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	35.22	34.87	34.65	34.63	33.42	33.25	33.85	34.36	34.41

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-10

Committee Meeting Updates

2026-09-10 - Muthoot Capital Services Limited has informed the Exchange regarding Meeting of Debenture Issue and Allotment Committee scheduled to be held on September 16, 2026.

2026-09-01

Shareholders meeting

2026-09-01 - Muthoot Capital Services Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 31, 2026. Further, the company has informed the Exchange regarding voting results.

2026-09-01

Copy of Newspaper Publication

2026-09-01 - Muthoot Capital Services Limited has informed the Exchange about Copy of Newspaper Publication on acceptance/renewal of Fixed Deposits

2026-08-31

Shareholders meeting

2026-08-31 - Muthoot Capital Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on Monday, August 31, 2026, at 11.00 a.m.

2026-08-31

Resignation of Director/KMP/SMP

2026-08-31 - Muthoot Capital Services Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-31

Cessation

2026-08-31 - Muthoot Capital Services Limited has informed the Exchange regarding Cessation of Mr. Ajay Mucchal as Head- Credit of the company w.e.f. closure of business hours of August 31, 2026.

2026-08-31

Resignation

2026-08-31 - Muthoot Capital Services Limited has informed the Exchange regarding Cessation of Mr. Ajay Mucchal as Head- Credit of the company w.e.f. closure of business hours of August 31, 2026.

2026-08-31

Appointment

2026-08-31 - Muthoot Capital Services Limited has informed the Exchange regarding Appointment of Ms. Vidya Awasthi as Head- Credit of the company w.e.f. September 02, 2026.

2026-08-31

Change in Management

2026-08-31 - Muthoot Capital Services Limited has informed the Exchange about change in Head-Credit of the Company

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