MUTHOOTCAPFinancial Services

Muthoot Capital Services Limited

Non Banking Financial Company (NBFC) · ISIN INE296G01013 · BSE 511766 · NSE EQ · FV ₹10
Last price
₹235
+0.43%today
What this company does

Muthoot Capital Services Limited operates in Non Banking Financial Company (NBFC), part of the Financial Services sector. It booked ₹156 cr of revenue in its latest quarter (Q1 FY27) and kept 5.2% of sales as profit.

In the report:
47out of 100
Equitytale Health Score
Mixed

Healthier than 47% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 95–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
49

At close. Not part of the score.

Profitability & returns18

How much profit it earns on the money it employs

Cash quality10

Whether reported profit actually arrives as cash

Growth & consistency33

Whether sales and profit have grown, and how steadily

Valuation88

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
Makes a profit
Sales up 7% vs last year
Promoters hold 63%
No promoter shares pledged
Watch-outs
! Thin 5.2% net margin
! Low 4.8% return on equity
! Carries high debt (D/E 3.0)
! Operating cash flow is negative

What if I invest in MUTHOOTCAP?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹235 +0.43%
latest close · 2026-09-17
1-year return
-40.0%
52-wk low ₹14452-wk high ₹421
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio11.9Low
LowAverageHigh
P/B ratio0.58Below book
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity4.8%Weak
WeakFairStrong ▸15%
Net margin5.2%Decent
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity2.97High
LowModerateHigh ▸1
More figures
Market cap
₹387 cr
Book value
₹408
EPS
₹4.94
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
0.8%
Earnings yield
8.41%
P/S
0.62
Sales / share
₹378.2
Tax rate
25.2%
Face value
₹10
Shares
1.6 cr
Working capital
Current assets
Current liabilities
Delivery %
62.4%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the FY 2025 report & filings
not investment advice
Looks underpricedMedium confidence
Median of 2 models ₹333 vs market price ₹235 — price is 29% below it
Safety cushion+29.4%(target ≥ +20%)
Models span ₹226₹439, midpoint ₹333
Model ₹333
Price ₹235
Cheap sideExpensive side

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹156 cr
Other Income₹5 cr
Total Income₹161 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹32 cr
Finance Costs₹78 cr
Depreciation & Amortisation₹1 cr
Other Expenses₹0 cr
Total Expenses₹150 cr
Profit before Tax₹11 cr
Tax Expense₹3 cr
Net Profit₹8 cr
Net margin on total income5.1%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹32 cr19.6%
Finance costs₹78 cr48.5%
Depreciation & amortisation₹1 cr0.7%
Other expenses₹39 cr24.5%
Tax expense₹3 cr1.7%
Profit for the period₹8 cr5.1%
Total income ₹161 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue155 cr167 cr156 cr
Total income161 cr169 cr161 cr
Expenses151 cr159 cr150 cr
Profit before tax10 cr8 cr11 cr
Tax3 cr2 cr3 cr
Net profit (owners' share)8 cr5 cr8 cr
Net margin (owners' share, on revenue)4.9%3.2%5.2%
EPS (₹)4.653.264.94
YoY (latest quarter): total income +8.9% · net profit
Balance sheet & cash flow · as of Mar 2026
High debt
Total assets
₹4,056 cr
Shareholder equity
₹670 cr
parent shareholders
Total debt
₹1,990 cr
Cash
₹365 cr
Cash flow · H1 FY26
Operating
₹-246 cr
Investing
₹-6 cr
Financing
₹136 cr
Peer comparison
Non Banking Financial Company (NBFC) · by market value
CompanyPriceMarket capP/E
Bajaj Finance Limited₹1,015₹6.31 L cr26.4
Shriram Finance Limited₹995₹2.34 L cr16.7
Cholamandalam Investment and Finance Company Limited₹1,765₹1.51 L cr22.7
Tata Capital Limited₹344₹1.45 L cr23.5
Muthoot Finance Limited₹2,770₹1.11 L cr9.9
L&T Finance Limited₹302₹75,742 cr21.0
SBI Cards and Payment Services Limited₹637₹60,613 cr22.8
HDB Financial Services Limited₹681₹56,586 cr18.0
Sundaram Finance Limited₹4,663₹51,398 cr20.2
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
trailing 12 months
Dividend / share (TTM)
Last dividend
₹5.5
ex 17 Mar 2016
ActionDetailEx-date
Bonus issue10:112 Jun 2017
Dividend₹5.5 / share17 Mar 2016
Dividend₹5 / share13 Aug 2015
Dividend₹4.5 / share21 Aug 2014
Dividend₹4 / share1 Aug 2013
Dividend₹3.5 / share23 Jul 2012
Who owns it · 2026-06-30
No pledge
Promoter
63.3%
FII / Foreign
1.3%
DII / Domestic
1.0%
Retail / others
34.4%
Promoter stake up 0.7% over the last 12 quarters.
Smart-money activity
Insider trades
BoughtThomas John Muthoot · Promoters100 · ₹54,06418 Sep 19
BoughtThomas John Muthoot · Promoters400 · ₹2.1 L18 Sep 19
BoughtThomas John Muthoot · Promoters500 · ₹2.7 L17 Sep 19
Bulk / block deals
BoughtGRAVITON RESEARCH CAPITAL LLP · NSE1.09 L @ ₹375.75 Sep 24
SoldGRAVITON RESEARCH CAPITAL LLP · NSE1.09 L @ ₹376.595 Sep 24
SoldGRAVITON RESEARCH CAPITAL LLP · NSE95,346 @ ₹336.8124 Jan 24
Stake changes
DisposalDSP Trustee Private Limited on behalf of schemes of DSP Mutual Fund (Seller)→ 3.64%19 Sep 22
BoughtElevation Capital VI FII Holdings Limited→ 9.52% · 4.10 L22 Feb 21
BoughtSAIF India VI FII Holdings Limited→ 7.02% · 3.32 L30 Oct 20
Promoter pledges
PledgedVardhman Trusteeship Private Limited (as the debenture trustee and Vardhman Trusteeship Private Limited28.08 L · 0.00% held13 Oct 25
PledgedVardhman Trusteeship Private Limited (as the debenture trustee and Vardhman Trusteeship Private Limited28.07 L · 0.00% held13 Oct 25
What shareholders were asked to approve
1 proposal passed only on promoter votes

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Yearly shareholder meeting · 31 Aug 2026
See the official result
1
To receive, consider and adopt the Audited Standalone Financial Statements of the Company for the Financial Year ended March 31, 2026, together with the Reports of the Board of Directors and the Statutory Auditors thereon.
Backed by 100% of shareholders other than promotersneeded 50%
1.31 L votes for, 58 against · 0% of mutual funds and other big investors said no
2
To appoint a Director in place of Ms. Susan John (DIN: 10763021), who retires by rotation in accordance with Section 152(6) of the Companies Act, 2013 and being eligible, offers herself for re-appointment.
⚑ Passed only because promoters voted yesPromoters had a personal stake in this
Backed by 8% of shareholders other than promotersneeded 50%
10,538 votes for, 1.21 L against · 99% of mutual funds and other big investors said no
3
Appointment of Ms. Manimekhalai A (DIN: 08411575) as an Independent Director of the Company
Backed by 100% of shareholders other than promotersneeded 75%
1.31 L votes for, 58 against · 0% of mutual funds and other big investors said no
4
Re-appointment of Mrs. Shirley Thomas (DIN: 08586100) as an Independent Director of the Company
Backed by 100% of shareholders other than promotersneeded 75%
1.31 L votes for, 300 against · 0% of mutual funds and other big investors said no

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 32 named members
owning 63.3% between them · as of 2026-06-30
Thomas John Muthoot19.17%
Thomas George Muthoot19.05%
Thomas Muthoot18.71%
Remmy Thomas2.39%
Nina George1.82%
Preethi John Muthoot1.48%
Ritu Elizabeth George0.39%
Tina Suzanne George0.32%

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.