financial_services

Muthoot Finance

MUTHOOTFIN · Nifty 50

₹3,190.6

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionfinancial_services sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score92/100 (STRONG). 1 positive flags, 2 concerns.

Historical Context131 similar technical setups. Average outcome: -8.9% decline. 0% positive.

Bank HealthROA 5.41% · PB 3.1 · Asset growth 47.3%.

Fundamental

92/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Muthoot Finance scores 92/100 on fundamentals (strong). Muthoot Finance: BROAD EXPANSION 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.

ROE27.1%=

52.0%Net Margin

0.1xTurnover

5.0xLeverage

ROE of 27.05% is strong leverage-driven and stable. Net margin of 52.0% × asset turnover of 0.1x × leverage of 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%

improving

Financial Health

Peer Comparison

Muthoot Finance is compared against 10 peers in the financial_services sector.

360ONE AADHARHFC ABCAPITAL ANANDRATHI ANGELONE APTUS BAJAJFINSV BAJAJHLDNG BAJFINANCE BSE

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

3.1x

Price to book

ROA of 5.41% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 3.12x — trading above book. Premium valuation — market pricing in high growth expectations.

Key Watchpoints

🟢

Breaks above ₹3350 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹3031 (-5%)

Further downside risk

🟢

Financial_Services sector entering leadership

Sector rotation signal

Detected Patterns

➡️ Leverage Slowly Rising: Debt growing faster (52.8%) than equity (33.3%)

✅ Strong ROA: ROA of 5.41% — above 1% benchmark for banks

✅ Strong Loan Book Growth: Assets growing 47.3% — loan book expansion

Risk Flags

🔴 1 Critical⚠️ 1 Warning✅ 1 Positive3 total flags

🔴Operating cash flow significantly below net income

Cash Flow

OCF is only -4.5x net income. Profit not converting to cash — aggressive accounting possible.

⚠️Working capital changes are 126% of operating cash flow

Cash Flow

Working capital is consuming significant cash. Operational efficiency declining.

✅High promoter holding: 73%

Governance

Strong insider alignment. Promoters have significant skin in the game.

⚠️ 1 critical + 1 warning flags. Exercise caution.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

11.5UNAVAILABLE

P/B Ratio

3.1HIGH

Market Cap

₹12213473.8L CrHIGH

From 52W High

77% of high

Sector Peers

← All Stocks Market GPS Daily Brief financial_services Sector