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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 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.MUTHOOTCAP227.1015.58373.520.008.12273.92155.537.118.8354.46
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
106989698100108126137145153155166156
388443414137466477696878150
Operating Profit69565357597279736884878585
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 Income0210010322625
Interest44414042445162687581817878
Depreciation0000111211141
2411213151522177-6410811
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 Profit188310121116136-53858
1156771084-32530

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
284398518586504411443398472621630
133192206264247476185272204293365
Operating Profit151206313323257-65257126268328265
OPM %53.15%51.77%60.36%54.99%50.97%-15.89%58.11%31.62%56.77%52.83%42.07%
0000100207211013
Interest104123179228187150148168224315318
Depreciation11121111577
Profit before Tax46821339370-216109164601633
Tax %34.85%34.91%35.21%35.29%25.96%24.92%27.68%25.36%24.26%28.46%26.59%
Net Profit3054866051-16279123461124
EPS21.9336.3952.3536.7731.29-98.4747.8474.5827.816.79—
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

Corporate actions

2017

Jun 12

1:10

Intimation is hereby given that the Board of Directors of Muthoot Capital Services Limited will inter alia, consider an item regarding the issue of bonus shares to its Members at their meeting to be held on Tuesday, 18th April, 2017.

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital12161616161616161616
166377431491543395473595642654
9391,3562,1262,3511,9451,6251,8911,6602,8553,314
Trade Payables10162216212830152731
144201131113-66-67-2855
Total Liabilities1,2721,9662,6082,8862,5381,9992,3432,2593,5454,021
22243226108
15182016162746107112129
Cash & Bank141785399610335574240343443
1,2401,9292,5012,4671,9091,6341,7211,9063,0803,440
Total Assets1,2721,9662,6082,8862,5381,9992,3432,2593,5454,021

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-82-582-259295862263134141-845-54
Cash from Investing-2-3021-9-17-63-8-24
Cash from Financing107619529229-416-311272-2511,220467
6229255255-248209-32111668

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
62.6262.6262.6262.6262.6263.3363.3363.3363.33
1.321.301.461.392.501.991.381.301.25
0.841.221.271.361.451.431.431.011.01
Government0.000.000.000.000.000.000.000.000.00
35.2234.8734.6534.6333.4233.2533.8534.3634.41

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

News

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