Muthoot Finance Ltd.
NSE: MUTHOOTFINMuthoot Finance Ltd.: A 30-second snapshot
Muthoot Finance trades at Rs 3,008.7, down 26.88% from its 52-week high and below both its 50-DMA (Rs 3,096.54) and 200-DMA (Rs 3,418.49), though still up 14.58% over the trailing 12 months. The gold-loan NBFC posts ROE of 30.41%, a profit margin of 55.21%, and a trailing PE of 11.82x (forward 9.29x), ranking 1st among 6 tracked sector peers on both PE and ROE with an overall quality score of 64/100. Debt-to-equity of roughly 3.8x reflects a balance sheet funded to support the gold-loan book, a structural feature of this lending segment rather than a standalone metric.
P/E
11.8
Forward P/E
9.3
ROE
+30.4%
Debt / Equity
379.71
Profit Margin
+55.2%
Div. Yield
+1.0%
5Y ROE > 15%
4/5
5Y FCF > 0
0/5
Quality
64/100
News
6 headlines · 0 positive · 0 negative
Bajaj Finserv slips Wednesday, underperforms market - marketwatch.com
marketwatch.com
Bajaj Finserv advances Tuesday, outperforms competitors - marketwatch.com
marketwatch.com
Bajaj Finserv climbs Monday, outperforms market - marketwatch.com
marketwatch.com
8MFLTD26 Bond Risk Profile - TradingView
TradingView
Bajaj Finserv advances Monday, outperforms market - marketwatch.com
marketwatch.com
Recent context
- ·Price has fallen 26.88% from its 52-week high to Rs 3,008.7, with the -12.7% 3-month change pointing to more recent weakness even as the 1-year change stays positive at +14.58%.
- ·The stock trades below both its 50-day (Rs 3,096.54) and 200-day (Rs 3,418.49) moving averages, with RSI at 45.59 (neutral).
- ·Nearest support levels sit at Rs 2,902.3 and Rs 2,822.6; nearest resistance levels are Rs 3,138.7, Rs 3,169, and Rs 3,227.
Strengths
- +ROE of 30.41%, above the 15% threshold in 4 of the past 5 measured years, with a profit margin of 55.21%.
- +Trailing PE of 11.82x and forward PE of 9.29x rank 1st (lowest) among 6 tracked sector peers; ROE also ranks 1st.
- +Overall quality score of 64/100 ranks 3rd of 6 sector peers (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE).
- +5-year revenue growth of 53.7% and 5-year earnings growth of 126.7%.
Weaknesses
- −Current price sits below both the 50-DMA (Rs 3,096.54) and 200-DMA (Rs 3,418.49), 26.88% off the 52-week high, with a -12.7% 3-month change against a +14.58% 1-year change.
- −0 of the measured years show positive free cash flow, alongside a rising debt trend, consistent with a lending book funded through continuous borrowing rather than retained cash generation.
- −The news set retrieved for this run is dominated by unrelated Bajaj Finserv headlines (5 of 6 items), leaving no reliable Muthoot-specific news read for this cycle.
- −Sector peer comparison lacks 1-year price-change data for all 5 peers, limiting relative momentum benchmarking to PE, ROE, and quality score only.
Open questions
- ?What is driving the gap between the stock's 26.88% drawdown from its 52-week high and the company's 30.41% ROE and 55.21% profit margin?
- ?How does Muthoot Finance's structurally negative free cash flow (0 of measured years positive) fit into a broader read of the lending business's loan-book growth and funding mix?
- ?Does the mean analyst rating of 2.5 across 22 analysts (1-5 scale, lower = more constructive) reflect caution on gold-loan-specific regulatory or gold-price risk not visible in the reported metrics?
- ?With reliable Muthoot-specific news unavailable this cycle, what recent regulatory, gold-price, or funding-cost developments might explain the divergence between price action and fundamentals?
Peer comparison: Banking
Ranks 3 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| MUTHOOTFIN | Muthoot Finance Ltd.You're viewing | 11.8 | +30.4% | 64 |
| Industry avg | across 5 peers | 31.7 | +13.1% | 48 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 16.3 | +13.8% | 66 |
| BAJFINANCE | Bajaj Finance Ltd. | 35.1 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 59.9 | +10.8% | 33 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 33.3 | +14.6% | 23 |
Technical state
Current price
₹3,008.70
SMA 50
₹3,096.54
SMA 200
₹3,418.49
RSI (14)
45.6 (neutral)
From 52w high
-26.9%
1Y return
+14.6%
3M return
-12.7%
50-DMA
Below
200-DMA
Below
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- high5 of the 6 news headlines retrieved for this run are about Bajaj Finserv, a different listed NBFC/insurer, not Muthoot Finance. Only one item (a bond risk-profile listing referencing an '8MFLTD26' instrument) plausibly relates to Muthoot Finance. The aggregated sentiment read (6 neutral, 0 positive, 0 negative) is not a valid signal for this stock and has not been used in this analysis.
- mediumCurrent price of Rs 3,008.7 sits below both the 50-DMA (Rs 3,096.54) and 200-DMA (Rs 3,418.49), and is 26.88% off its 52-week high. The 3-month price change is -12.7%, even though the 1-year change remains positive at +14.58%, indicating the pullback is concentrated in the more recent period.
- medium0 of the measured years show positive free cash flow, and the debt trend is classified as rising. This pattern is typical of a lending business where loan disbursals are recorded as operating outflows and growth is funded through continuous borrowing, but it means conventional FCF-based valuation approaches do not apply cleanly here.
- low1-year price-change data is null for all 5 tracked sector peers (AXISBANK, BAJAJFINSV, BAJFINANCE, HDFCBANK, HDFCLIFE), so the sector ranking on price momentum is unavailable this run; only the PE, ROE, and quality-score rankings are usable.
Cross-section contradictions
- ROE of 30.41% (above 15% in 4 of the past 5 measured years) and a profit margin of 55.21% describe a consistently profitable business, yet the stock trades 26.88% below its 52-week high and below both its 50- and 200-day moving averages. Because this run's news set is misattributed to Bajaj Finserv, there is no reliable Muthoot-specific headline available to tie to the price weakness.
- Trailing PE of 11.82x (forward 9.29x) ranks 1st (cheapest) among 6 tracked sector peers alongside a 1st-place ROE ranking, yet the mean analyst rating sits at a middling 2.5 across 22 analysts (1-5 scale, lower = more constructive) rather than at the more constructive end the valuation and return metrics alone might suggest.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 11 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 31 Jul 2026 · rotates through NIFTY 500 every ~5 days