Muthoot Finance
Market Cap
₹254.5b
Last Updated
2019/08/17 12:55 UTC
Data Sources
Company Financials +
Executive Summary
Muthoot Finance Limited operates as a gold financing company in India.
Snowflake
Fundamentals
Reasonable growth potential and fair value.
Similar Companies
Share Price & News
How has Muthoot Finance's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
-2.0%
NSEI:MUTHOOTFIN
-1.8%
IN Consumer Finance
-0.7%
IN Market
1 Year Return
56.6%
NSEI:MUTHOOTFIN
0.5%
IN Consumer Finance
-12.1%
IN Market
MUTHOOTFIN outperformed the Consumer Finance industry which returned 0.2% over the past year.
MUTHOOTFIN outperformed the Market in India which returned -12.1% over the past year.
Share holder returns
| MUTHOOTFIN | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.0% | -1.8% | -0.7% |
| 30 Day | 1.5% | -4.1% | -4.6% |
| 90 Day | 9.6% | -1.2% | -4.3% |
| 1 Year | 59.8%56.6% | 1.1%0.5% | -10.3%-12.1% |
| 3 Year | 92.7%81.5% | 64.9%61.4% | 18.9%12.8% |
| 5 Year | 277.7%230.8% | 246.0%229.7% | 37.6%24.7% |
Price Volatility Vs. Market
How volatile is Muthoot Finance's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 days ago | Simply Wall St
Can You Imagine How Chuffed Muthoot Finance's (NSE:MUTHOOTFIN) Shareholders Feel About Its 209% Share Price Gain?3 weeks ago | Simply Wall St
Is Now The Time To Put Muthoot Finance (NSE:MUTHOOTFIN) On Your Watchlist?1 month ago | Simply Wall St
Is Muthoot Finance Limited's (NSE:MUTHOOTFIN) CEO Paid Enough Relative To Peers?Valuation
Is Muthoot Finance undervalued based on future cash flows and its price relative to the stock market?
11.99x
Price to Earnings (PE) ratio
Intrinsic Value Based on Future Cash Flows
Muthoot Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
Muthoot Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
Price Based on Earnings
Muthoot Finance is good value based on earnings compared to the IN Consumer Finance industry average.
Muthoot Finance is good value based on earnings compared to the India market.
Price Based on Expected Growth
Muthoot Finance is good value based on expected growth next year.
Price Based on Value of Assets
Muthoot Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
Next Steps
Future Growth
How is Muthoot Finance expected to perform in the next 1 to 3 years based on estimates from 6 analysts?
12.3%
Forecasted annual earnings growth
Earnings and Revenue Growth Estimates
Future Annual Growth Analysis
Muthoot Finance's revenue is expected to grow significantly at over 20% yearly.
Muthoot Finance's earnings are expected to grow by 12.3% yearly, however this is not considered high growth (20% yearly).
Muthoot Finance's revenue growth is expected to exceed the India market average.
Muthoot Finance's earnings growth is positive but not above the India market average.
Muthoot Finance's earnings growth is expected to exceed the low risk savings rate of 7.6%.
Earnings per Share Growth Estimates
Future Return on Equity
Muthoot Finance is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
Next Steps
Past Performance
How has Muthoot Finance performed over the past 5 years?
25.3%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Muthoot Finance has delivered over 20% year on year earnings growth in the past 5 years.
Muthoot Finance's 1-year earnings growth is less than its 5-year average (14.2% vs 25.3%)
Muthoot Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (14.2% vs 12.9%).
Return on Equity
Whilst Muthoot Finance has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
Return on Assets
Muthoot Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
Return on Capital Employed
Unable to establish if Muthoot Finance improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
Next Steps
Financial Health
How is Muthoot Finance's financial position?
Financial Position Analysis
Muthoot Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
Muthoot Finance's cash and other short term assets cover its long term commitments.
Debt to Equity History and Analysis
Muthoot Finance's level of debt (311.1%) compared to net worth is high (greater than 40%).
The level of debt compared to net worth has been reduced over the past 5 years (454.9% vs 311.1% today).
Operating cash flow is negative therefore debt is not well covered.
Unable to confirm if the interest payments on Muthoot Finance's debt are well covered by earnings due to lack of past financial data.
Balance Sheet
Low level of unsold assets.
Debt is covered by short term assets, assets are 1.3x debt.
Next Steps
Dividend
What is Muthoot Finance's current dividend yield, its reliability and sustainability?
2.28%
Expected Dividend Yield
Dividend Yield and Payments Analysis
Muthoot Finance's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.63%).
Muthoot Finance's dividend is below the markets top 25% of dividend payers in India (2.52%).
Muthoot Finance has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
Dividend payments have increased, but Muthoot Finance only paid a dividend in the past 7 years.
Current Payout to Shareholders
Dividends paid are well covered by earnings (4.4x coverage).
Future Payout to Shareholders
Dividends after 3 years are expected to be well covered by earnings (4.4x coverage).
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Management
What is the CEO of Muthoot Finance's salary, the management and board of directors tenure and is there insider trading?
5.7yrs
Average management tenure
CEO
George Muthoot (64yo)
9.3yrs
Tenure
₹104,200,000
Compensation
Mr. George Alexander Muthoot, FCA, has been the Managing Director and Whole Time Director of Muthoot Finance Limited since November 20, 2006. Mr. Muthoot served as the Chairman of the Kerala Non banking Fi ...
CEO Compensation Analysis
George's remuneration is higher than average for companies of similar size in India.
George's compensation has been consistent with company performance over the past year, both up more than 20%.
Management Age and Tenure
5.7yrs
Average Tenure
57yo
Average Age
The average tenure for the Muthoot Finance management team is over 5 years, this suggests they are a seasoned and experienced team.
Board Age and Tenure
9.1yrs
Average Tenure
67.5yo
Average Age
The tenure for the Muthoot Finance board of directors is about average.
Insider Trading
Muthoot Finance individual insiders have only sold shares in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 2,000 |
| Max Price | ₹644.50 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 500 |
| Max Price | ₹650.00 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 2,000 |
| Max Price | ₹638.95 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,000 |
| Max Price | ₹650.00 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,000 |
| Max Price | ₹623.90 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 500 |
| Max Price | ₹599.80 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,500 |
| Max Price | ₹584.87 |
| Entity | Individual |
| Role | General Manager of Accounts & Taxation |
| Shares | 1,000 |
| Max Price | ₹590.00 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 2,500 |
| Max Price | ₹559.09 |
| Entity | Individual |
| Shares | 1,500 |
| Max Price | ₹561.00 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,000 |
| Max Price | ₹517.40 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,500 |
| Max Price | ₹536.97 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,500 |
| Max Price | ₹521.00 |
| Entity | Individual |
| Shares | 2,400 |
| Max Price | ₹500.00 |
| Entity | Individual |
| Role | General Manager of Accounts & Taxation |
| Shares | 7,000 |
| Max Price | ₹492.86 |
| Entity | Individual |
| Role | General Manager of Accounts & Taxation |
| Shares | 2,000 |
| Max Price | ₹484.08 |
| Entity | Individual |
| Role | General Manager of Accounts & Taxation |
| Shares | 2,000 |
| Max Price | ₹472.30 |
| Entity | Individual |
| Role | Chief General Manager |
| Shares | 1,250 |
| Max Price | ₹459.42 |
Ownership Breakdown
Management Team
Mathai Muthoot (70yo)
Executive Chairman
- Compensation: ₹104.20m
Manoj Jacob (57yo)
General Manager of Accounts & Taxation
Shanthi Ranjan
Chief Manager of Finance
George Muthoot (67yo)
Whole Time Director
- Compensation: ₹104.20m
Maxin James
Company Secretary & Compliance Officer
- Tenure: 5.7yrs
George Muthoot (64yo)
MD & Whole Time Director
- Tenure: 9.3yrs
- Compensation: ₹104.20m
Oommen Mammen
Chief Financial Officer
Alexander Muthoot (39yo)
Deputy MD & Whole Time Director
- Tenure: 2.0yrs
- Compensation: ₹10.50m
Thomas Muthoot (56yo)
Whole Time Director
- Compensation: ₹104.20m
Kuttikattu Bijimon (49yo)
Chief General Manager
Board Members
Mathai Muthoot (70yo)
Executive Chairman
- Tenure: 9.3yrs
- Compensation: ₹104.20m
Jose Mathew (68yo)
Independent Director
- Tenure: 1.9yrs
- Compensation: ₹742.50k
Jacob Koshy (72yo)
Independent Director
- Tenure: 1.9yrs
- Compensation: ₹682.50k
John Paul (66yo)
Non-Executive Independent Director
- Tenure: 9.1yrs
- Compensation: ₹1.07m
George Muthoot (67yo)
Whole Time Director
- Tenure: 9.3yrs
- Compensation: ₹104.20m
Pamela Mathew (69yo)
Independent Director
- Tenure: 4.8yrs
- Compensation: ₹1.06m
George Muthoot (64yo)
MD & Whole Time Director
- Tenure: 12.8yrs
- Compensation: ₹104.20m
Alexander Muthoot (39yo)
Deputy MD & Whole Time Director
- Tenure: 4.8yrs
- Compensation: ₹10.50m
Thomas Muthoot (56yo)
Whole Time Director
- Tenure: 14.0yrs
- Compensation: ₹104.20m
George Muthoot (70yo)
Non-Executive Independent Director
- Tenure: 9.1yrs
- Compensation: ₹1.26m
Company Information
Muthoot Finance Limited's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Muthoot Finance Limited
- Ticker: MUTHOOTFIN
- Exchange: NSEI
- Founded: 1939
- Industry: consumer finance
- Sector: diversified financials
- Market Cap: ₹254.466b
- Shares outstanding: 400.70m
- Website: Click here
Number of Employees
Location
- Muthoot Finance Limited
- Muthoot Chambers
- 2nd Floor
- Kochi
- Kerala
- 682018
- India
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| 533398 | BSE (Mumbai Stock Exchange) | Yes | Equity Shares | IN | INR | May 2011 |
| MUTHOOTFIN | NSEI (National Stock Exchange of India) | Yes | Equity Shares | IN | INR | May 2011 |
Biography
Muthoot Finance Limited operates as a gold financing company in India. The company operates through two segments, Financing and Power Generation. It provides personal and business loans secured by gold jew ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/08/17 12:55 |
| End of Day Share Price | 2019/08/16 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2019/03/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.