financial_services · MUTHOOTFIN
Muthoot Finance
Muthoot Finance: PE below historical average. NARROW LEADERSHIP regime.
Price
₹3,008.7
Price 2026-07-30
5 day
+0.74%
Short-term move
1 month
+0.38%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹125.4k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect Muthoot Finance (MUTHOOTFIN) in the financial_services sector?”
Price chart
₹3,014
+15.85% over period
About Muthoot Finance
Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; money transfer; non-convertible debentures; national pension scheme; digital and cashless payments; bank mapping; and other custom offerings and milligram rewards. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -8.8% over 14 days) — not a reliable pattern.
52-week position
Trading at 72.5% of 52-week high
Technicals
RSI 14
34.9
Trend
downtrend
50 DMA
Below
200 DMA
Below
Key metrics
P/E ratio
11.8
29th pct · 7 quarterly points (limited history)
P/B
3.2
ROE
30.4%
Strong profitability — 30.4% return on equity
Market cap
₹125.4k Cr
Revenue growth
5370.0% YoY
Promoter
73.3%
52-week range
₹2,476.6 – ₹4,149.5
72.5% of high
RSI (14)
34.9
downtrend
vs 50 DMA
Below
DMA ₹3,095.34
Fundamental
92/100
STRONG
Trust
90/100
Verification
Coverage
100/100
HIGH
Quick Take
Muthoot Finance scores 92/100 on fundamentals (strong). Muthoot Finance: PE below historical average. NARROW LEADERSHIP regime.
Fundamental Score: 92/100 · STRONG · 3 signals detected
DuPont Analysis
ROE 27.1% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 27.05% is strong leverage-driven and stable. Net margin 52.0%, asset turnover 0.1x, leverage 5.0x. Low asset turnover is normal for banks.
What This Means
Net margin of 52.0% means the company keeps ₹52.0 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.10x means the company generates ₹0.10 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 5.0x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
52.0%
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJAJFINSV Bajaj Finserv | ₹1,909.4 | +1.1% | 30.9 | 14.6% | 530% | ₹3.0L Cr |
| BAJAJHLDNG Bajaj Holdings | ₹10,970 | +3.1% | 12.4 | 12.6% | -4830% | ₹1.2L Cr |
| ABCAPITAL Aditya Birla Capital | ₹394.05 | +0.5% | 28.4 | 11.2% | 770% | ₹1.1L Cr |
| 360ONE 360 ONE WAM | ₹1,142.9 | +5.5% | 39.3 | 14.4% | 2690% | ₹46.8k Cr |
| ANANDRATHI Anand Rathi Wealth | ₹2,039.3 | -0.5% | 87.4 | 46.7% | 4760% | ₹34.1k Cr |
| ANGELONE Angel One | ₹291.65 | -4.7% | 34.1 | 15.5% | 3350% | ₹30.7k Cr |
| AADHARHFC Aadhar Housing Finance | ₹490.75 | -2.0% | 22 | 15.8% | 2090% | ₹23.9k Cr |
| APTUS Aptus Value Housing | ₹277.2 | -2.6% | 15.2 | 20.1% | 2210% | ₹14.3k Cr |
| MUTHOOTFIN Muthoot Finance | ₹3,008.7 | -0.1% | 11.8 | 30.4% | 5370% | ₹1.3L Cr |
Tensions to watch
PE in bottom 29% historically — undervaluation or fundamental deterioration?
Low PE can signal value OR declining growth expectations. Check recent earnings and sector outlook.
Bank Metrics
Return on Assets
5.41%
Benchmark: >1%
Efficiency Ratio
48.0%
Lower is better
Asset Growth
+47.3%
Year over year
PB Ratio
3.2x
Price to book
ROA of 5.41% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 3.21x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹3159 (+5%)
Trend reversal confirmation
Breaks below ₹2858 (-5%)
Further downside risk
PE reverts to median of 12.7 (7 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
OCF is only -4.5x net income. Profit not converting to cash — aggressive accounting possible.
Working capital is consuming significant cash. Operational efficiency declining.
Strong insider alignment. Promoters have significant skin in the game.
⚠️ 1 critical + 1 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes
