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Muthoot Finance Ltd

Updated on October 15, 2020

Stock/Share Code - MUTHOOTFIN

Muthoot Finance collectively operating under the brand name of The Muthoot Group, which has diversified interests in the fields of Financial Services, Healthcare, Education, Plantations, Real Estate, ...show more

Below is the details of MUTHOOTFIN Muthoot Finance Ltd

Market Cap₹45,994 Cr.
Current Price ₹1,213.2 as on 21 Oct 20
52 Week High / Low Price₹1,405.75 / ₹476.8
Face Value₹10
Stock P/E13.82
Book Value₹307.08
Dividend Yield1.31 %
ROCE16.05 %
ROE28.26 %
Sales Growth (3yrs)14.89 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter Company has delivered good profit growth of 35.10% CAGR over last 5 years Company has a good return on equity (ROE) track record: 3 Years ROE 25.40% Company has been maintaining a healthy dividend payout of 22.27%
Cons:

Muthoot Finance Ltd Price Chart

Muthoot Finance Ltd Price Chart

Muthoot Finance Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Finance ₹3,018 41.78 ₹210,170.41 Cr. 0.29 ₹962.32 Cr. -19.49 14.52 6648.20 11.95
2. Bajaj Finserv ₹3,018 26.35 ₹98,511.55 Cr. 0.08 ₹1,215.15 Cr. 43.75 15.63 14189.99 12.65
3. SBI Cards ₹895.3 60.93 ₹75,848.93 Cr. 0.12 ₹393.29 Cr. 13.80 4.06 2152.20 15.18
4. HDFC AMC ₹2,048.75 40.31 ₹51,319.04 Cr. 1.16 ₹302.36 Cr. 3.62 -18.42 411.49 46.82
5. Muthoot Finance 13.82 ₹45,993.68 Cr. 1.31 ₹840.76 Cr. 58.62 28.45 2385.08 16.05
6. Bajaj Holdings ₹3,018 9.93 ₹29,812.37 Cr. 1.49 ₹679.13 Cr. 1.47 14.84 90.25 12.16
7. Cholaman.Inv.&Fn 16.27 ₹19,031.2 Cr. 0.73 ₹431.3 Cr. 36.85 3.93 2125.55 10.30
8. Sundaram Finance ₹1.2 20.10 ₹17,899.32 Cr. 0.81 ₹269.26 Cr. 58.31 28.13 1271.99 9.27

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Muthoot Finance Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Sales -1,6621,5801,6471,6321,6501,7171,8801,8572,1372,3212,4002,385
YOY Sales Growth %20.26%17.85%-3.64%19.57%-0.73%8.62%14.10%13.74%29.55%35.19%27.70%28.45%
Expenses -418364418367359335463391413504523378
Employee Cost %11.72%11.95%12.93%13.28%12.64%11.54%14.58%12.36%10.89%11.12%12.87%9.90%
Operating Profit1,2431,2161,2291,2651,2901,3821,4171,4661,7241,8161,8772,007
OPM %75%77%75%78%78%80%75%79%81%78%78%84%
Other Income01155111124020
Interest493472454502535589611642670709770872
Depreciation11121191011121010111210
Profit before tax7407438197557457827948171,0471,0961,0971,125
Tax %40%36%38%35%35%38%36%35%18%26%26%25%
Net Profit446479508492484485512530858815815841
EPS in Rs11.1611.9812.7112.2912.0912.1212.7713.2321.4120.0420.3320.96
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Sales -6161,0772,3164,5495,3874,9474,3254,8755,7466,2676,8788,7159,243
Sales Growth %67.98%74.94%114.93%96.43%18.42%-8.16%-12.59%12.73%17.88%9.05%9.76%26.70%
Expenses -1462504978131,0071,0771,1051,2411,4791,5101,5181,8311,819
Manufacturing Cost %1.56%1.32%1.26%1.06%0.83%1.01%1.18%1.11%1.10%0.93%0.82%0.00%
Employee Cost %12.96%12.64%10.37%9.54%10.48%12.35%15.03%13.58%13.30%12.50%13.06%11.81%
Other Cost %9.13%9.24%9.81%7.26%7.38%8.40%9.33%10.78%11.35%10.67%8.19%8.11%
Operating Profit4708281,8193,7364,3803,8713,2203,6344,2674,7575,3606,8837,424
OPM %76%77%79%82%81%78%74%75%74%76%78%79%80%
Other Income512000000066287
Interest3174791,0402,3722,8232,6302,1082,2602,2981,9352,2432,7913,021
Depreciation10151833454784584844424343
Profit before tax1483467611,3311,5111,1941,0281,3171,9212,8453,0774,0574,366
Tax %34%34%35%33%34%35%35%39%39%38%36%26%
Net Profit982284948921,0047806718101,1801,7781,9723,0183,329
EPS in Rs23.3526.2919.9715.7620.2929.5344.4349.2275.3182.74
Dividend Payout %0%0%0%17%17%29%36%30%20%23%24%20%

Compounded Sales Growth

  • 10 Years:: 23.25%
  • 5 Years:: 15.04%
  • 3 Years:: 14.89%
  • TTM:: 30.13%

Compounded Profit Growth

  • 10 Years:: 29.52%
  • 5 Years:: 35.10%
  • 3 Years:: 36.76%
  • TTM:: 65.57%

Return on Equity

  • 5 Years:: 46.76%
  • 3 Years:: 34.02%
  • 1 Year:: 88.63%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Jun 2020
Share Capital -49301320372372372398399399400401401401
Equity Capital49301320372372372398399399400401401401
Reserves3212841,0142,5543,3643,8934,6865,2206,1177,4129,39211,17111,915
Borrowings3,1665,28111,93419,37624,08119,47819,43618,56720,98521,16726,83337,13038,784
Other Liabilities -2375784551,0701,6001,8522,2502,8623,2111,8131,4431,7581,672
Trade Payables411243933425161111124163218262
Other liability items2335674311,0311,5671,8102,1982,8013,1001,6891,2791,5391,410
Total Liabilities3,7736,44313,72323,37229,41625,59426,76927,04930,71330,79238,06950,46052,772
Fixed Assets -116124184263289313257218208200193228225
Gross Block148169247359430501533550587244278
Accumulated Depreciation324563961411882763323794486
CWIP132956141479106232930
Investments98898823538982093959831,4383,613
Other Assets -3,6356,28213,52723,00629,03125,23226,46726,72330,28630,19136,87148,76548,904
Trade receivables433477341,1481,1641,1541,4671,271231658
Cash Equivalents8835761,3757951,3422,0491,7376791,5344871,7365,6415,953
Loans n Advances2,7405,70411,71721,36726,43621,92023,47824,47627,36815115342,60442,562
Other asset items8-188110105999810011329,52934,966515381
Total Assets3,7736,44313,72323,37229,41625,59426,76927,04930,71330,79238,06950,46052,772

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --663-2,386-6,038-8,709-3,9525,726-460214-1,710-87-3,810-4,458
Profit from operations4618301,8393,7574,4253,8813,2463,7934,5315,0865,3916,920
Receivables-53-16-208-387-414-1610-324197-9711
Payables5827217000000144055
Loans Advances-769-2,890-6,306-9,674-5,0484,521-1,544-985-2,915-1,656-5,479-7,638
Other WC items00022-215654-190125-59-170
Working capital changes-764-2,634-6,497-10,039-5,4644,521-1,528-1,256-2,908-1,527-5,491-7,741
Interest paid-310-474-1,120-1,991-2,383-2,239-1,819-1,945-2,461-2,665-2,574-2,616
Direct taxes-51-108-261-435-531-436-359-378-872-982-1,136-1,020
Cash from Investing Activity --12-36-76-188-33-3-16-67-134-194-633-429
Fixed assets purchased-27-33-77-112-72-71-33-19-38-27-61-78
Fixed assets sold050000000000
Capital WIP-4-16-4-1-8-18-2-1-0-0-0
Investments purchased-0-0-0-90-0-0-0-10-11-29-135-386
Investments sold100-0-0155131-014-03061
Investment income1-0-0-0710202-0-0-0
Interest received886142581013156828
Dividends received-0-0-0-0-0-0-0-0-02-02
Invest in subsidiaries-0-0-0-0-0-0-34-50-114-0-0-0
Issue of shares on acq-0-0-0-0-0-0-0-0-0-146-475-0
Acquisition of companies-0-0-0-0-0-0-0-0-0-0-0-56
Other investing items-1-0-0-0-0-0-0-0-2-0-0-0
Cash from Financing Activity -1,3002,1156,7408,3294,795-5,107254-1,2042,457-5545,7018,678
Proceeds from shares50-0256901-0-042032332
Proceeds from debentures6628671,6293,4653,394-0-0-0-0-0-01,962
Redemption of debentures-0-0-0-0-0-616-1,582-1,318-1,502-0-0-0
Proceeds from borrowings5191,0333,9503,179904-01,4584461,5141,9286,3568,151
Repayment of borrowings-0-0-0-0-0-4,423-0-108-634-1,714-658-0
Proceeds from deposits-0-0-013-0-0-0-0-0-0-0-0
Dividends paid-0-0-0-0-173-412-232-383-0-770-0-1,305
Other financing items702159067726693441911573,077-0-0-132
Net Cash Flow624-307626-568809617-222-1,058613-8341,2583,791

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROCE %16%18%19%21%17%15%13%15%16%17%16%16%
Debtor Days21555978869711081110
Inventory Turnover

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.