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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Muthoot Capital Services Limited is an India-based non-banking financial company (NBFC). The Company is primarily engaged in the business of financing the purchase of automobiles, mainly two-wheelers and used four wheelers against the hypothecation of the vehicles and…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A middling, stagnant business, priced for perfection — carrying meaningful debt.
Muthoot Cap is scored on the nbfc / financials framework. It keeps a thin 1.8% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 12%/yr and profit at -48%/yr. Book value has grown 11%/yr. Return on equity is a weak 3.7%. In the latest quarter profit grew 51% versus the prior quarter.
At 29× earnings, the stock sits at the 86th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price asks for only ~3%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 13.25 | 10.88 | worse |
| P/B | 0.47 | 1.4 | better |
| EV/EBITDA | 8.69 | 14.13 | better |
| ROE | 3.74 | — | — |
| ROCE | 8.72 | — | — |
| ROA | 0.61 | — | — |
| Quick Ratio | 2.48 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
12% CAGR over 3 years — steady double-digit compounder. Growth is accelerating — latest year outpaced the prior year's rate.
Revenue is outpacing profit (12% vs -48%) — costs are rising faster than the top line. The latest year saw a -76% swing — check if it's a one-off or structural.
Operating margin has compressed from 25% to 3% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 2% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 14pp.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -48% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue fell 7% QoQ — could be seasonality or a genuine slowdown. Low quarterly variance (8% spread) — a predictable, non-seasonal revenue stream.
Profit jumped 51% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (2% → 5%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 63.3% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.