💡 Did you know?
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.
History
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 Finance Limited is an India-based Non-Banking Financial Company (NBFC), which is engaged in the business of financing. The Company provides business loans secured by gold jewelry or gold loans. It also provides collection services, loan against property, and money…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
An exceptional, fast-growing business, trading cheap versus its own history — carrying meaningful debt.
Muthoot Finance is scored on the nbfc / financials framework. It keeps a fat 34.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 38%/yr and profit at 42%/yr. Book value itself has compounded 22%/yr — the hallmark of a genuine compounder. Return on equity is an elite 27.8%. In the latest quarter profit grew 16% versus the prior quarter.
At 11× earnings, the stock sits at the 5th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-2%/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 | 9.32 | 11.61 | better |
| P/B | 2.61 | 1.4 | worse |
| EV/EBITDA | 9.32 | 13.86 | better |
| ROE | 27.77 | — | — |
| ROCE | 13.31 | — | — |
| ROA | 5.36 | — | — |
| Quick Ratio | 0.49 | — | — |
| 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.
Revenue has grown every year across all 4 financial years shown. 38% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (42% vs 38%) — margin expansion is at work. The latest year saw a +98% swing — check if it's a one-off or structural.
Operating margin has expanded from 41% to 46% — the business is keeping more of each rupee earned. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 27% — the business earns well above its cost of equity. ROE powered by fat margins — the hallmark of a high-quality franchise with pricing power. Capital efficiency improving — ROE up 10pp across the window.
EPS has grown every year — each share earns more than the last, consistently. 43% 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.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 15% sequentially — momentum is building.
Profit jumped 16% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 73.3% — heavily owner-operated with strong skin in the game. FIIs trimmed 2.0pp — foreign money is rotating out. MF holding up 2.1pp — domestic institutional discovery underway.
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.