MUTHOOTFIN.BO
Muthoot Finance LimitedExplain this page
Arphra AIPlain-English read on Muthoot Finance Limited’s valuationRatios & metrics
Profitability, returns on capital, growth, and credit — all derived from the historical income statement, balance sheet, and cash flow rows in our data warehouse.
A snapshot of the latest fiscal year’s margins, returns on capital, balance-sheet strength and efficiency, computed from the income statement, balance sheet and cash-flow rows. Source income / balance / cash_flow.
Valuation multiples
| In USD | FY 2026 |
|---|---|
| Headline | |
| Market cap | $1.27T |
| Enterprise value | $2.65T |
| Multiples | |
| P / E | — |
| P / B | — |
| EV / EBITDA | — |
| EV / Sales | 8.48 |
| EV / FCF | 22.53 |
| Yields | |
| Earnings yield | +8.35% |
| Free cash flow yield | +9.27% |
| Dividend yield | — |
Profitability
| In USD | FY 2026 |
|---|---|
| Margins | |
| Gross margin | +63.94% |
| Operating margin | +49.04% |
| EBITDA margin | +46.20% |
| EBIT margin | +45.76% |
| Pre-tax margin | +45.76% |
| Net margin | +33.87% |
| Cost structure | |
| Cost of revenue / sales | +36.06% |
| R&D intensity | 0.00% |
| SG&A intensity | 0.00% |
| Effective tax rate | +25.85% |
Returns on capital
| In USD | FY 2026 |
|---|---|
| Returns | |
| Return on equity (ROE) | +26.63% |
| Return on assets (ROA) | +5.41% |
| Return on capital (ROC) | +8.04% |
| Return on invested capital (ROIC) | +5.55% |
| Asset turnover | +15.97% |
| DuPont · ROE decomposition | |
| Net margin | +33.87% |
| Asset turnover (× revenue / assets) | +15.97% |
| Equity multiplier (× assets / equity) | +492.16% |
Activity & efficiency
| In USD | FY 2026 |
|---|---|
| Turnover | |
| Asset turnover | 0.16 |
| Fixed-asset turnover | 45.66 |
| Inventory turnover | — |
| Receivables turnover | 1562.08 |
| Payables turnover | 77.99 |
| Days outstanding | |
| Days sales outstanding (DSO) | 0.23 |
| Days inventory outstanding (DIO) | — |
| Days payables outstanding (DPO) | 4.68 |
| Cash conversion cycle | -4.45 |
Cash flow quality
| In USD | FY 2026 |
|---|---|
| Operating CF / Net income | 1.13 |
| FCF / Net income | 1.11 |
| FCF margin | +37.62% |
| OCF margin | +38.11% |
| CapEx / Revenue | +0.49% |
| CapEx / D&A | 1.11 |
| Stock-based comp / Revenue | 0.00% |
Per-share & shareholder yield
| In USD | FY 2026 |
|---|---|
| EPS · diluted | 263.79 |
| EPS · basic | 263.79 |
| Book value / share | 990.73 |
| Tangible BV / share | 989.87 |
| Sales / share | 778.73 |
| Operating CF / share | 296.80 |
| Free cash flow / share | 292.99 |
| Dividends / share | 0.00 |
| Payout ratio | 0.00% |
| Retention ratio | +100.00% |
Growth
| In USD | FY 2026 | CAGR |
|---|---|---|
| Top-line | ||
| Revenue · YoY | — | — |
| Gross profit · YoY | — | — |
| Profit | ||
| Operating income · YoY | — | — |
| EBITDA · YoY | — | — |
| Net income · YoY | — | — |
| Operating | ||
| EBIT · YoY | — | — |
| R&D · YoY | — | — |
| Per-share | ||
| EPS · diluted · YoY | — | — |
| EPS · basic · YoY | — | — |
Credit & leverage
| In USD | FY 2026 |
|---|---|
| Leverage | |
| Total debt | $1.51T |
| Net debt | $1.38T |
| Net debt / EBITDA | 9.57 |
| Debt / equity | 3.80 |
| Debt / assets | +77.15% |
| Equity / assets | +20.32% |
| Coverage | |
| EBITDA / interest expense | — |
| Operating income / interest | — |
| Interest expense | $0 |
| Liquidity | |
| Current ratio | — |
| Quick ratio | — |
| Cash ratio | — |
| Working capital | $128.79B |
| Working capital / revenue | +41.20% |
Historical multiples · μ ± σ bands
3 fiscal-year-end observations from key_metrics. Mean is dashed; light-green band is ±1σ, light-red band ±2σ. The dot marks the most recent value; the cheap / fair / rich verdict uses z-score against the issuer's own history (yields inverted — a high yield is cheap).
Sourced from key_metrics + financial_ratios (loaded by load_fundamentals_extended.py).
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| P / E | — | — | — |
| P / B | — | — | — |
| EV / EBITDA | — | — | — |
| EV / Sales | 8.48x | 9.10x | 8.24x |
| Earnings yield | 8.3% | 5.7% | 6.9% |
| FCF yield | 9.3% | -28.3% | -22.3% |
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Gross margin | — | — | — |
| Operating margin | — | — | — |
| Net margin | — | — | — |
| ROE | 27.1% | 18.2% | 17.2% |
| ROA | 5.4% | 4.0% | 4.5% |
| ROIC | 5.8% | 3.0% | 3.3% |
| Metric | FY 2026 | FY 2025 | FY 2024 |
|---|---|---|---|
| Debt / equity | — | — | — |
| Net debt / EBITDA | 9.57 | 12.25 | 10.12 |
| Interest coverage | — | — | — |
| Current ratio | 0.00x | 11.68x | 0.00x |
| Quick ratio | — | — | — |
Methodology. ROE / ROA / ROC use period-end balance-sheet denominators (no average-of- period smoothing). ROIC = Operating Income × (1 − inferred effective tax rate) over invested capital, with the effective tax inferred from net-to-operating income when both are positive and a 25% default otherwise. Net debt / EBITDA, debt ratios, and interest-coverage ratios are calculated point-in-time at each fiscal year-end. TTM = trailing 4 quarters (income / cash flow summed, balance sheet = most-recent quarterly snapshot). Through-cycle CAGR in the Growth panel uses the geometric mean of first-to-last period growth across the window (positive values only).