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Muthoot Finance Limited (MUTHOOTFIN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Muthoot Finance Limited

MUTHOOTFINMarket cap $11BPrice $26.7

Country🇮🇳India

SectorFinancials

IndustryConsumer Finance

Lends cash against household gold jewelry, turning idle bling into instant credit for millions of Indians who don't trust banks with paperwork. It's the country's largest gold-loan financier, with gold sitting quietly as collateral in thousands of branches nationwide.

In Bastion Portfolios?

52W Return-29%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+32%10

Revenue Forecast

Rev CAGR (1y)-7%1

Rev CAGR (3y)+7%5

Rev CAGR (5y)+6%5

Earnings Forecast

EPS Growth Y+1-3%3

EPS Growth Y+2+12%7

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin0%9

Net Income Margin56%10

Free Cash Flow Margin-232%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE32%9

ROA6%7

Earnings Stability55

GEAR+AVERAGE61

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)109

P/E Ratio (Forward 3y)89

P/BV2.65

EV Multiples

EV/EBITDA Fwd09

EV/EBIT Fwd09

Yield

Free Cash Flow Yield0.0%9

Dividend Yieldna–

Momentum

Short term

1 month return-9%3

3 month return-14%2

YTD return-30%1

Mid term

Price vs 52wHigh63%2

1 year return-18%3

Long term

3 year return+127%8

5 year return+87%7

Risk Shield

Price Risk

Beta0.76

Volatility38%5

Free Cash Flow

Free Cash Flow Margin-232%1

Free Cash Flow Yield0.0%9

Quality

ROCE9%7

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

MUTHOOTFINMuthoot Finance

Revenue FY26$2.1B

GROWTH RATING↗

AVERAGE44 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+32%10

Revenue, next 1Y-7%1

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-3%3

EPS growth, FY28E+12%7

EPS growth, FY29E+11%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 32%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

WATCH

A mid-pack grower, ahead of 44% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 32%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 7%/yr). One year dips: EPS falls 3% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Maturing Grower

A middle-of-the-pack grower that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MUTHOOTFINMuthoot Finance

Total return Current399%

Price return Current369%

MOMENTUM RATING↗

WEAK24 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-14%2

YTD return-30%1

MID & LONG-TERM▾SCORE

% of 52-week high63%2

1-year return-18%3

3-year return+127%8

5-year return+87%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +127% over three years and +87% over five, ahead of 70% of the market.

WATCH

None flagged.

WEAKNESSES

It's down 18% over the past year, now 37% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-9%), over three months (-14%) and so far this year (-30%).

BOTTOM LINE

Outperformer in a Drawdown

A proven multi-year compounder now in a meaningful pullback well below its 52-week high. This is the classic fork: either a buy-the-dip in an intact uptrend, or the early stage of a trend change. Wait for the short-term slide to stabilise before adding. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Muthoot Finance Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

MUTHOOTFINMuthoot Finance

Revenue FY26$2.1B

GROWTH RATING↗

AVERAGE44 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+32%10

Revenue, next 1Y-7%1

Revenue, next 3Y, CAGR+7%5

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY27E-3%3

EPS growth, FY28E+12%7

EPS growth, FY29E+11%7

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 32%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

WATCH

A mid-pack grower, ahead of 44% of companies worldwide.

Revenue is set to grow 7%/yr over the next 3 years, a little behind the market.4/10

Revenue grew 32%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 7%/yr). One year dips: EPS falls 3% next year.

WEAKNESSES

None flagged.

BOTTOM LINE

Maturing Grower

A middle-of-the-pack grower that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

MUTHOOTFINMuthoot Finance

Total return Current399%

Price return Current369%

MOMENTUM RATING↗

WEAK24 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%3

3-month return-14%2

YTD return-30%1

MID & LONG-TERM▾SCORE

% of 52-week high63%2

1-year return-18%3

3-year return+127%8

5-year return+87%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +127% over three years and +87% over five, ahead of 70% of the market.

WATCH

None flagged.

WEAKNESSES

It's down 18% over the past year, now 37% below its 52-week high. That is lagging the market.

The stock is underperforming over the past month (-9%), over three months (-14%) and so far this year (-30%).

BOTTOM LINE

Outperformer in a Drawdown

04Value

Are you paying a fair price for it?

Stop guessing on Muthoot Finance Limited. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community