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Fundamental Analysis of Muthoot Finance (MUTHOOTFIN)

Summary    Balance Sheet    Cash Flow    Income    Qtrly Income    Valuation Ratio    Profitability Ratios    Solvency    Efficiency Ratios    

Guru Numbers
Book Value/Share354.09
EV/EBITDA11.91
Market Cap (Cr)41745.35
Enterprise Value (Cr)85759.48
Piotroski F-Score4.00
Altman Z Score1.35
Graham No875.14
Price/ Graham 1.19
Peter Lynch Ratio0.514
Sloan Ratio0.083
Peter Lynch Fair value2403.23
Price/ Peter Lynch FV0.433
TSR Fair value634.36
Key Financial ratios of MUTHOOTFIN
Ratio Latest FY Yoy Change TTM MRQ Screener/
About
Price to Earning    13.30 4.57 % 10.82    
Price to Book    3.76 -9.21 % 2.35 0.590    
Price to Sales    5.90 4.33 % 4.20    
Earning Per Share    100.10 5.55 % 96.13 20.41    
Return On Equity    28.80 -12.59 % 21.97 4.36    
Return On Asset    7.09 -5.17 % 5.32 1.14    
Net Profit Margin    44.40 -0.228 % 38.86 46.77    
Operating Profit Margin    43.97 -0.507 % 40.55 0    
EBITDA Margin    79.90 -0.918 % 95.55 124.13    
Debt to Equity Ratio    2.89 194.01 % 2.89    
Current Ratio    1.34 -27.20 % 78.22    
Quick Ratio    0 0 % 78.22    
View Historitcal ratios of Muthoot Finance
Valuation Ratios   Profitability Ratio   Solvency Ratios   Efficiency Ratios
Screen Financial Ratio using Custom Screener
Terrific View
Price to Earning Ratio is 10.82 and EV to EBITDA is 8.81 suggesting company is undervalued.
Earning Yield of 9.62 %
Excellent Net Margin in for last 3 years
Over the last 3 years, the company has achieved Incredible Return on Equity
Tremendous increasing in Book Value last 3 year
During the past twelve months, the company has given a strong Return On Equity of 21.97%
During the past twelve months, the company has given a strong Net Margin of 38.86%
All key Trailing Twelve Months Margin growing by 15 %
Steady View
Piotroski F Score - Stable Value of 4.0
Annual sales of the company is increased for three years in a row
Annual Net Profit in last 3 years is trending up
Steady increase in Total Assets for last 3 Years
EBITDA is continuously increasing for last 3 Years
Risky View
Tsr Growth Index - Poor Score of 34.44
Stock Returns < -37.06 % Than Nifty in last one year
Altman Z Score of 1.35 suggest high risk
Companies has high debt burden
Company is unable to generate enough free cash to support the business.
EPS decline for last four quarters
Terrific Steady Risky Stock View - Fundamental Snapshot
Share Overview
Promoter Owned73.40 %
Institution Owned21.80 %
Public/Others4.80 %
Outstanding Shares40.14 Cr
Floating Shares10.68 Cr
Floating / Outstanding26.60%
Book Value/Share354.09
Face value10.00
Share Holding
Annual Key Income Statement of MUTHOOTFIN
Period 31_Mar_2022 31_Mar_2021 Growth
Net Income From Continuing Ops 4031.32 3818.87 5.56 %
Net Income 5410.19 5131.48 5.43 %
Operating Income 5357.63 5095.85 5.14 %
Total Revenue 12184.91 11530.79 5.67 %
Operating Expense 6827.28 6434.94 6.10 %
Interest Expense 4255.85 4099.93 3.80 %
Tax Expense 1378.86 1312.61 5.05 %
Income Before tax 5410.19 5131.48 5.43 %
Gross Profit 10945.43 10341.52 5.84 %
Dividend Paid -802.73 -0.675 118822.96 %
   
Quarterly Key Income Statement of MUTHOOTFIN
Period 30_Jun_2022 31_Mar_2022 Growth
Net Income From Continuing Ops 824.96 1006.24 18.02 %
Net Income 819.22 997.03 17.83 %
Operating Income 0 1326.85 100.00 %
Total Revenue 1751.47 3016.17 41.93 %
Operating Expense 624.42 636.06 1.83 %
Interest Expense 1050.90 3.52 29755.11 %
Tax Expense 286.99 345.60 16.96 %
Income Before tax 1111.95 1351.83 17.74 %
Gross Profit 0 1983.70 100.00 %
Dividend Paid 0 -802.73 100.00 %
   
Key Balance Sheet Fields
Period 31_Mar_2022 31-Mar-21 Growth
Common Stock 401.35 401.20 0.0374 %
Current Liabilities 56538.11 37020.48 52.72 %
Total Liabilities 57178.58 52881.84 8.13 %
Current Assets 75714.15 68101.54 11.18 %
Total Assets 76316.47 68641.44 11.18 %
Working capital 19176.04 31081.06 38.30 %
Accounts Payable 860.69 211.38 307.18 %
Inventory 0 0 %
Net Receivable 7.01 9.80 28.47 %
   
Key Cash Flow Fields
Period 31_Mar_2022 31_Mar_2021 Growth
Cash EPS 75.88 71.83 5.64 %
Cash From Investment Activity 421.64 39.58 965.29 %
Cash From Financial Activity 3221.96 9712.42 66.83 %
Cash Operational Activity -1372.92 -7814.29 82.43 %
Net Cash Flow 2270.68 1937.71 17.18 %
NetIncome 5410.19 5131.48 5.43 %
Capital Expenditure 97.06 91.48 6.10 %
Change To Inventory 0 0 %
   



   About Muthoot Finance Limited
Muthoot Finance Limited operates as a gold financing company in India. The company offers personal and business loans secured by gold jewelry, or gold loans primarily to individuals and micro finance. It also provides housing finance, gold coins, money transfer, and foreign exchange services; mutual funds and non-convertible debentures; health, home, vehicle, life, and travel insurance products; and vehicle, corporate, and SME loans. In addition, the company generates electric power through windmills in Tamilnadu. As of March 31, 2022, it operated through approximately 4,617 branches in 23 states and 6 Union Territories. The company was founded in 1887 and is headquartered in Kochi, India.

Address : Muthoot Chambers, Kochi, India, 682018

URL : https://www.muthootfinance.com

Employee Count : 26716

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