BSE: MUTHOOTFIN - Muthoot Finance Limited

Yield per half year: +12.26%
Dividend yield: +1.43%
Sector: Financials

Reporting Muthoot Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹									519.54
Выручка, млрд ₹			50.45	65.17	74.51	79.59	77.66	96.56	96.56	78.70	8.18
Чистая прибыль, млрд ₹	12	18.3	20.78	31.38	38.04	40.17	36.12	43.24	43.24	37.79	6.62
EV, млрд ₹			523.77	590.56	909.81	985.11	861.63	1 186.37	1 186.37	906.70	14.97
Баланс стоимость, млрд ₹			99.31	118.29	155.75	187.86	216.66	251.07	251.07	185.93	16.24
FCF, млрд ₹			-49.01	-50.68	-79.06	-16.94	-29.45	-139.76	-139.76	-63.1780	22.49
Операционный денежный поток, млрд ₹	-21.86	-14.32	-48.24	-49.7	-78.14	-15.96	-28.04	-137.54	-137.54	-61.8760	22.58
CAPEX, млрд ₹	0.5725	0.364	0.769	0.9198	0.9148	0.9706	1.41	2.22	2.22	1.29	19.27

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹	17.51	18.23	19.84	22.07	22.73	22.97	24.3	26.57	28.98	31.5	26.86	6.52
Чистая прибыль, млрд ₹	8.19	8.92	9.28	9.73	10.22	10.6	11.04	11.39	11.64	12.72	11.48	3.71
EV, млрд ₹	821.67	852.84	856.36	861.63	1 021.96	1 053.74	1 158.17	1 186.37	1 393.63	1 560.17	1270.42	8.17
Баланс стоимость, млрд ₹	188.01	197.32	206.68	216.66	218.32	228.83	240.17	251.07	252.59	266.16	247.76	3.07

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			22.05	59.54	79.12	102.29	80.36	63.89	63.89	77.04	1.42
Long term investments ₹			2.75	9.92	9.74	6.32	8.91			7.53	26.51
Total Receivables ₹	299.19	323.07	388.26	472.34	590.55	647.1	707.53		707.53	561.16	12.75
Total Current Assets ₹	316.39	329.91	410.71	537.63	671.4	751.3	788.74		788.74	631.96	13.94
Чистые активы, млрд ₹	2.36	2.1	2.28	2.88	3.13	3.49				2.78	10.69
Активы, млрд ₹			417.35	548.82	686.41	763.16	801.49	964.69	964.69	752.91	11.94
Задолженность, млрд ₹			316.61	428.8	528.82	571.79	579.96	707.15	707.15	563.30	10.52
Чистый долг, млрд ₹			277.08	347.48	422.52	441.17	474.21	614.89	614.89	460.05	12.09
Долг, млрд ₹									556.64
Interest income ₹			74.16	94.18	112.32	119.25	115.56			103.09	9.28
Расходы на обслуживание долга ₹			25.35	31.73	41	42.56	42.09	54.3	54.3	42.34	11.34
Чист. проц. доходы, млрд ₹			48.81	62.45	71.32	76.69	73.46	145.46	115.56	85.88	18.42
Goodwill ₹			0.3	0.3	0.3	0.3	0.3			0.3000	0.00

	2019Q3	2019Q4	2020Q1	2020Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹								68.6	66.3	63.45	80.36	47.36	72.54	90.98	63.89	55.54	75.62	71.71	0.84
Long term investments ₹					8.32	6.68	6.32	10.93	26.81	7.45	8.91	9.62	15.63	12.32				10.79	10.58
Total Receivables ₹	405.96	433.45	472.34	469.37					637.95	648.02	707.53	758.57						644.29	10.08
Total Current Assets ₹	434.17	469.25	537.63	539.95					706.06	711.55	788.74	805.93						710.45	8.34
Чистые активы, млрд ₹	2.53	2.56	2.88	2.84					3.93	3.99		4.23						3.57	7.99
Активы, млрд ₹								716.12	737.5	725.49	801.49	821.93	880.85	929.23	964.69	1 044.5	1 127.81	989.42	5.07
Задолженность, млрд ₹								523.77	535.75	514.31	579.96	598.5	646.82	683.44	707.15	785.53	855.08	735.60	5.74
Чистый долг, млрд ₹								429.8	445.74	429.44	474.21	525.03	547.66	566.19	614.89	697.89	744.87	634.30	6.34
Interest income ₹					30.03	30.87	29.17	27.3	27.58	29.33	31.34	33.78	35.05	36.83				33.27	4.66
Расходы на обслуживание долга ₹								10.51	10.21	10.47	10.91	12.36	13.35	14.12	14.47	15.95	18.07	15.19	6.24
Чист. проц. доходы, млрд ₹						20.26	18.84	16.79	17.37	18.87	20.43	21.42	21.7	22.71	39.79			25.21	14.26
Goodwill ₹					0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3				0.3000	0.00

Share

IFRS

Reporting Annual Quarterly

	2014	2015	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	20.99	16.81		42.85	51.81	77.91	94.76	100.08	89.98	107.71		107.71	94.09	6.69
Цена акции ао			474.4	516.6	761.35	1210.3	1494.5	1063.45	1477.35	2137	2313.2	2313.2	1697.10	9.13
Число акций ао, млн					400.66	401.04	401.2	401.35	401.45	401.46		401.46	401.30	0.02
FCF/акцию					-122.33	-126.38	-197.06	-42.2	-73.36	-348.14		-348.14	-157.4280	22.47

	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS			20.4	22.22	23.11	24.25	25.46	26.39	27.49	28.37	28.99	31.67		28.58	3.72
Цена акции ао	1521.71	1409.03	1168.02	1050.4	1072.55	1003.15	1095.2	1289.7	1347.76				2313.2	1409.80	18.19

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	20.92	26.53	24.43	23.38	17.86	18.49		18.49	13.90	22.14	-6.97
ROA, %	4.98	5.72	5.54	5.54	4.62	4.9		4.9	2.81	5.26	-3.05
ROS, %	41.19	48.16	51.06	50.46	46.52	44.78	44.78	44.78	59.51	47.52	-2.59
ROCE, %							0	0	2.58
Ebit margin, %							0	0
Рентаб EBITDA, %							0	0	10.51
Чистая рентаб, %	41.19	48.16	51.06	50.46	46.52	44.78		44.78	59.51	48.20	-1.44
Operation Margin, %					0	0	0	0	13.65

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	4.36	4.52	4.49	4.49	4.96	4.96	4.98	4.95	4.87	5.13	13.90	4.98	0.68
ROA, %	1.14	1.21	1.28	1.21	1.26	1.24	1.22	1.2	1.16	1.17	2.81	1.20	-1.16
ROS, %	46.77	48.91	46.76	44.11	44.97	46.13	45.41	42.88	40.17	40.36	59.51	42.99	-2.64
Чистая рентаб, %	46.77	48.91	46.76	44.11	44.97	46.13	45.41	42.88	40.17	40.36	59.51	42.99	-2.64

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	11.87	7.75	12.81	13.54	10.72	13.22		13.22	29.43	11.61	11.27
P/BV	2.45	2.03	3.09	2.84	1.75	2.22		2.22	3.11	2.39	1.81
P/S	4.89	3.73	6.54	6.83	4.99	5.92		5.92	12.16	5.60	9.68
P/FCF					-17.64	-3.72	-3.72	-3.72	5.80	-8.3600	-40.48
E/P					0.0695	0.0832	0.0832	0.0832	0.10	0.0786	6.18
EV/EBIT						0	0	0
EV/S		9.06	12.33	12.38	11.1	12.29	12.29	12.29	8.38	12.08	-0.06
EV/FCF		-11.65	-11.62	-58.17	-29.26	-8.49	-8.49	-8.49	-6.20	-23.2060	-6.08
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0.6945	0.577	0.577	0.577	0.24	0.6162	-5.99
Debt/Equity					0	0	0	0	239.18
Debt/Net Income					15.41	12.87	12.87	12.87	12.31	13.72	-5.83
Бета					1.32	-0.7099	-1.76	-1.76	1.82	-0.3833	-210.06
Индекс Альтмана					0.9378	0.8099	0.8091	0.8091	1.07	0.8523	-4.80

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	10.16	10.86	11.74	10.72	13.03	12.71	14.23	13.22	15.58	17.43		29.43	14.63	6.52
P/BV	2.04	2.02	2.02	1.75	2.22	2.16	2.41	2.22	2.69	2.99		3.11	2.49	6.72
P/S	5	5.31	5.66	4.99	6	5.78	6.43	5.92	6.77	7.32		12.16	6.44	4.84
EV/S				39.04	44.97	45.88	47.66	44.66	48.09	49.52		8.38	47.16	1.54
Бета											-1.76	1.82	-1.7600	0.00
Индекс Альтмана											0.8091	1.07	0.8091	0.00

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд		7.72	7.72	13.06	13.06	0.0068	8.03	8.84		8.84		8.60	-7.51
Дивиденд	2	6	1	12	15	2	20	22	24	24		16.60	9.86
Див доход, ао, %	0.7569	1.43	2.38	1.95	1.5	1.43	3.16	4.12	1.43	1.43	1.40	2.33	-0.95
Дивиденды / прибыль, %		64.31	42.16	62.83	41.6	0.0177	19.99	22.24	20.45	20.45	17.81	20.86	-13.24

	2015Q3	2015Q4	2016Q1	2017Q1	2018Q1	2019Q2	2020Q1	2021Q2	2022Q2	2023Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	2	4	2	6	1	12	15	2	2	22		10.60	12.89
Див доход, ао, %	1.1	2.21	1.11	1.81	2.42	1.96	1.97	1.54	1.71	2.01	1.40	1.84	0.51

	Industry average	5 quarters average	CAGR 5

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