Muthoot Capital Services Ltd - Stock Valuation and Financial Performance

BSE: 511766 | NSE: MUTHOOTCAP | Finance - NBFC | Small Cap

Muthoot Capital Serv Share Price

278.30 -11.20 -3.87%
as on 11-Feb'25 16:59

DeciZen - make an informed investing decision on Muthoot Capital Serv

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Undervalued

3. Price Trend

Muthoot Capital Services stock performance -
278.30 -23.00-8.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
8.97
Market Cap:
457.7 Cr.
52-wk low:
265
52-wk high:
405.7

Is Muthoot Capital Services Ltd an attractive stock to invest in?

1. Is Muthoot Capital Services Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Muthoot Capital Services Ltd is a average quality company.

2. Is Muthoot Capital Services Ltd undervalued or overvalued?

The key valuation ratios of Muthoot Capital Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone.

3. Is Muthoot Capital Services Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Muthoot Capital Services Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Muthoot Capital Serv:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Muthoot Capital Services Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
190228284398518586504411443398432
YoY Gr. Rt. %
-19.6%24.7%40%30.4%13.1%-14%-18.5%7.7%-10%-
Adj EPS (₹ )
16.316.721.932.652.336.831.3-98.447.874.631
YoY Gr. Rt. %
-2.5%31.6%48.8%60.4%-29.8%-14.9%-414.7%NA55.9%-
BVPS (₹ )
97.2107.8129.7239.5271.9308.4340.2250.1297.5371.9396.4
YoY Gr. Rt. %
-11%20.3%84.6%13.5%13.5%10.3%-26.5%19%25%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
2.82.42.63.33.82.21.9-7.13.65.30

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income8.5%-5.1%-7.6%-10%
Adj EPS18.5%7.3%33.6%55.9%
BVPS16.1%6.5%3%25%
Share Price 5.3% -13.7% -6.2% -8.7%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
11.71010.613.516.610.310.2-39.417.830.811.8
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
17.716.318.518.820.512.79.7-33.417.522.37.8

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 8.10%

Net Profit has increased 33.59 CAGR in last 3 years

Total Income has declined 5.61 CAGR in last 3 years

Total income growth is poor in last 4 quarters

Latest Financials - Muthoot Capital Services Ltd.

Standalone Consolidated
TTM EPS (₹) 31 -
TTM Sales (₹ Cr.) 432 -
BVPS (₹.) 396.4 -
Reserves (₹ Cr.) 636 -
P/BV 0.70 -
PE 8.97 -
From the Market
52 Week Low / High (₹) 265.00 / 405.70
All Time Low / High (₹) 0.74 / 1300.00
Market Cap (₹ Cr.) 458
Equity (₹ Cr.) 16.5
Face Value (₹) 10
Industry PE 27.1

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income97.8 -14.399.8 -5.8108 11.3126 31.2
Adj EPS (₹)7.10 -556.57 -39.19.71 -0.97.63 25.3
Net Profit Mgn %11.93 -1063 bps10.80 -586 bps14.70 -176 bps9.99 -44 bps

Management X-Ray of Muthoot Capital Serv:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:62.62%Institutions:2.73%Non-Institutions:34.65%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Muthoot Capital Serv

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Muthoot Capital Serv

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 958.8 -52.7 (-5.2%) Small Cap 10,020 23.1 -16.8 41.6 0.8
Edelweiss Financial 109.2 1.4 (1.3%) Small Cap 9,500 4.9 5.6 22.3 2
Manappuram Finance 197.4 -7.5 (-3.6%) Small Cap 8,848 26.7 24.8 7.4 1.3
CreditAccess Grameen 995.3 -61.1 (-5.8%) Small Cap 5,167 55.2 28 18 2.3
Spandana Sphoorty 326.6 -12.4 (-3.7%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 171.6 -7.9 (-4.4%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 151.2 -4.5 (-2.9%) Small Cap 2,270 17.5 19.8 8.6 0.9
Five Star Business 700.6 -26.2 (-3.6%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 184.3 -3.1 (-1.6%) Small Cap 1,829 17.4 15.3 10.6 0.9
Fedbank Financial 92.8 -1.8 (-1.9%) Small Cap 1,577 5.9 15.5 15.6 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income191228284398519587505411443401
Interest Income190228284398518586504411443398
Other Income 1100001003
Expenditure 157193238316386493436627334333
Interest Expense 7787104123179228187150148168
Operating Expenses 6687111156156181144141173155
Provisions 1419233751851053361311
Exceptional Items 00000000096
Profit Before Tax 343546821339370-216109164
Taxes 12131629473318-543042
Profit After Tax 22233054866051-16279123
Adjusted EPS (₹)16.316.721.932.652.336.831.3-98.447.874.6
Dividend Payout Ratio (%)28%30%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital133148178394447507560411489612
Share Capital 12121216161616161616
Reserves 121135166377431491543395473595
Minority Interest0000000000
Long Term Borrowings1125118919341,081914621919890
Current Liabilities 7298959761,4811,2261,2981,064966934757
Trade Payables001016221621283015
Short term borrowings5857338151,2531,1601,2441,010905881716
Other Liabilities-585-733-825-1,269-1,182-1,260-1,031-934-910-731
Total Liabilities 8731,0671,2721,9662,6082,8862,5381,9992,3432,259

Assets

Non Current Asset 17185178492,5002,4481,8951,6291,7311,972
Loan Asset 004928282,4762,4281,8721,5971,6811,855
Other Non Current Asset 171824212420243250117
Current Asset 8561,0507551,117107438643369612287
Current Investment0000850000
Other Current Asset8561,0507551,11799433643369612286
Total Assets 8731,0671,2721,9662,6082,8862,5381,9992,3432,259

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -129-166-99-614-5012467073-46-7
Cash Flow From Investing Activity -60-2-3021-9-17-63
Cash Flow From Financing Activity 130165107619529229-416-311272-251
Net Cash Flow -506229255255-248209-321
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)18182433523731-984875
DPS (₹)5600000000
BVPS (₹)107119143240272308340250297372

Performance Ratios

ROA (%)2.82.42.63.33.82.21.9-7.13.65.3
ROE (%)17.716.318.518.820.512.79.7-33.417.522.3
ROCE (%)14.613.213.713.714.211.89.6-2.911.614.3

Valuation Parameters

Price/Book(x)1.91.21.93.13.30.81.11.00.90.7

Muthoot Capital Services Ltd Stock News

Muthoot Capital Services Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Muthoot Capital Serv on 11-Feb-2025 16:59 is ₹278.3.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-Feb-2025 16:59 the market cap of Muthoot Capital Serv stood at ₹457.7.
The latest P/E ratio of Muthoot Capital Serv as of 11-Feb-2025 16:59 is 8.97.
The latest P/B ratio of Muthoot Capital Serv as of 11-Feb-2025 16:59 is 0.70.
The 52-week high of Muthoot Capital Serv is ₹405.7 and the 52-week low is ₹265.0.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Muthoot Capital Serv is ₹431.6 ( Cr.) .

About Muthoot Capital Services Ltd

Muthoot Capital Services (MCSL), established in February 1994, is a Non Banking Financial Company (NBFC) registered with the Reserve Bank of India (RBI) and is listed on the Bombay Stock Exchange.

Established in Kerala, MCSL offers capital market solutions that include leasing & hire purchase, vehicle loans and bonds & deposits among others, with cost-effective value-added services for the benefit of their customers.

To augment its fund base, MCSL came out with a public issue in February 1995. The issue was oversubscribed by 8.5 times -- at a time when the Indian capital market was sluggish. Almost the entire subscription was received from the state of Kerala.

MSCL has also diversified into fund and non-fund based activities laying equal emphasis on the corporate and non-corporate sectors of Kerala.

Promoted by the Muthoot Pappachan Group, MCSL has today emerged as one of the leading financial institutions in the capital market operations, with its foundations dating back to the year 1939, with a stronghold in the banking and finance sector especially in the rural and semi-urban areas in South India.

Over the last decade, MCSL has established itself as the clear service leader in the capital market. The MCSL team comprisesseasoned business professionals and we have recruited management and support staff with years of experience in the relevant disciplines and markets in order to provide our customers with informed, competent and responsive service and advice.

Services offered by the company:

MCSL has actively entered into the areas ofcapital market operations, to focus mainly on the potential corporate clients based in Kerala. Whatever your finance requirements may be, MCSL's direct approach is to help you work out which of the finance plans would best suit the requirements:

  • Inter Corporate Deposits
  • Leasing
  • Hire Purchase
  • Bill Discounting
  • Disbursing Loan against Shares
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