Muthoot Finance Limited

NSEI:MUTHOOTFIN Stock Report

Market Cap: ₹739.2b

Muthoot Finance Valuation

Is MUTHOOTFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of MUTHOOTFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: MUTHOOTFIN (₹1841.25) is trading above our estimate of fair value (₹923.92)

Significantly Below Fair Value: MUTHOOTFIN is trading above our estimate of fair value.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for MUTHOOTFIN?

Other financial metrics that can be useful for relative valuation.

MUTHOOTFIN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.3x

Price to Earnings Ratio vs Peers

How does MUTHOOTFIN's PE Ratio compare to its peers?

The above table shows the PE ratio for MUTHOOTFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average27.6x
SBICARD SBI Cards and Payment Services
28.4x16.7%₹683.4b
SUNDARMFIN Sundaram Finance
32.5x13.3%₹466.9b
511243 Cholamandalam Investment and Finance
35x18.0%₹1.2t
511218 Shriram Finance
14.3x12.8%₹1.1t
MUTHOOTFIN Muthoot Finance
17.1x12.7%₹739.2b

Price-To-Earnings vs Peers: MUTHOOTFIN is good value based on its Price-To-Earnings Ratio (17.1x) compared to the peer average (27.6x).


Price to Earnings Ratio vs Industry

How does MUTHOOTFIN's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a17.6%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a17.6%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: MUTHOOTFIN is good value based on its Price-To-Earnings Ratio (17.1x) compared to the Indian Consumer Finance industry average (21.8x).


Price to Earnings Ratio vs Fair Ratio

What is MUTHOOTFIN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

MUTHOOTFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio17.1x
Fair PE Ratio23.4x

Price-To-Earnings vs Fair Ratio: MUTHOOTFIN is good value based on its Price-To-Earnings Ratio (17.1x) compared to the estimated Fair Price-To-Earnings Ratio (23.4x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst MUTHOOTFIN forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹1,841.25
₹1,875.74
+1.9%
14.3%₹2,450.00₹1,285.00n/a19
Jul ’25₹1,788.60
₹1,837.78
+2.7%
14.0%₹2,450.00₹1,285.00n/a18
Jun ’25₹1,683.45
₹1,809.12
+7.5%
15.4%₹2,450.00₹1,175.00n/a17
May ’25₹1,720.65
₹1,555.72
-9.6%
13.7%₹1,816.00₹1,045.00n/a18
Apr ’25₹1,563.70
₹1,540.44
-1.5%
13.0%₹1,750.00₹1,045.00n/a18
Mar ’25₹1,321.35
₹1,515.72
+14.7%
14.0%₹1,750.00₹1,045.00n/a18
Feb ’25₹1,360.85
₹1,461.22
+7.4%
13.8%₹1,750.00₹1,054.00n/a18
Jan ’25₹1,466.00
₹1,437.33
-2.0%
13.4%₹1,750.00₹1,054.00n/a18
Dec ’24₹1,450.75
₹1,383.72
-4.6%
14.1%₹1,750.00₹1,050.00n/a18
Nov ’24₹1,300.60
₹1,361.71
+4.7%
11.8%₹1,582.00₹1,040.00n/a17
Oct ’24₹1,252.00
₹1,368.35
+9.3%
12.3%₹1,650.00₹1,040.00n/a17
Sep ’24₹1,261.25
₹1,355.84
+7.5%
12.1%₹1,650.00₹1,040.00n/a19
Aug ’24₹1,347.10
₹1,279.00
-5.1%
11.5%₹1,530.00₹1,027.00n/a19
Jul ’24₹1,239.65
₹1,216.44
-1.9%
10.0%₹1,500.00₹1,027.00₹1,788.6018
Jun ’24₹1,126.05
₹1,207.61
+7.2%
11.6%₹1,500.00₹868.00₹1,683.4518
May ’24₹1,020.70
₹1,171.22
+14.7%
12.6%₹1,500.00₹786.00₹1,720.6518
Apr ’24₹979.95
₹1,174.28
+19.8%
12.5%₹1,500.00₹786.00₹1,563.7018
Mar ’24₹960.40
₹1,174.28
+22.3%
12.5%₹1,500.00₹786.00₹1,321.3518
Feb ’24₹1,015.60
₹1,227.24
+20.8%
13.3%₹1,500.00₹897.00₹1,360.8517
Jan ’24₹1,063.05
₹1,217.11
+14.5%
13.4%₹1,500.00₹897.00₹1,466.0018
Dec ’23₹1,111.35
₹1,221.06
+9.9%
13.7%₹1,500.00₹897.00₹1,450.7517
Nov ’23₹1,067.80
₹1,263.14
+18.3%
13.7%₹1,487.00₹885.00₹1,300.6014
Oct ’23₹1,040.05
₹1,282.93
+23.4%
13.3%₹1,487.00₹885.00₹1,252.0015
Sep ’23₹1,044.75
₹1,278.80
+22.4%
13.6%₹1,487.00₹863.00₹1,261.2515
Aug ’23₹1,113.45
₹1,361.33
+22.3%
17.6%₹1,710.00₹875.00₹1,347.1015
Jul ’23₹1,042.65
₹1,396.33
+33.9%
16.8%₹1,710.00₹875.00₹1,239.6515

Analyst Forecast: Target price is less than 20% higher than the current share price.


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