Flash Finance

Muthoot Finance LimitedMUTHOOTFINBank / NBFC

Financial Services Credit Services Latest results: Mar 2026 14 quarters of data
Consolidated Standalone
₹2,598.30
MCap ₹104,314 Cr · P/E 3.7
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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.
₹8,180 Cr
Interest Earned · Mar 2026
+71.0% YoY
—
Operating Profit · Mar 2026
₹3,086 Cr
Net Profit · Mar 2026
+104.7% YoY
₹76.87
EPS · Mar 2026
+104.7% YoY
2.35%
Gross NPA % · Mar 2026
2.04%
Net NPA % · Mar 2026

📝 Muthoot Finance Limited — results explained

Quarter ended March 2026 (Q4 FY26)

Muthoot Finance Limited reported total income of ₹8,194 crore for the quarter ended March 2026 (Q4 FY26), up 67.6% from ₹4,888 crore in the same quarter last year, and up 12.8% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹8,180 crore and other income ₹14 crore. Net interest income (interest earned minus interest expended of ₹2,863 crore) worked out to ₹5,317 crore.

Net profit rose 104.7% year-on-year to ₹3,086 crore, from ₹1,508 crore. Earnings per share (EPS) came in at ₹76.87.

On asset quality, gross NPA stood at 2.35% and net NPA at 2.04% (gross NPA was 3.41% a year ago).

Full year and trailing twelve months

For the full year FY26, Muthoot Finance Limited posted total income of ₹79,118 crore, a growth of 361.2% over FY25, with a net profit of ₹28,551 crore (up 449.0% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹79,118 crore with a net profit of ₹28,551 crore.

Valuation snapshot

At the current price of ₹2,598.30, MUTHOOTFIN has a market capitalisation of ₹104,314 crore and a trailing P/E of about 3.7.

Within the Credit Services industry, it is the 5th-largest of the 23 companies we track by market value.

Shareholding pattern

As of Jun 2026, promoters held 73.35%, foreign institutional investors (FIIs) 11.61%, domestic institutional investors (DIIs) 10.76%, public shareholders 4.29% of Muthoot Finance Limited.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close
Valuation
Market Cap ?
₹104,314 Cr
Current Price ?
₹2,598.3
P/E ?
3.65below ind
Industry P/E ?
15.80
P/B ?
2.76
P/S ?
1.32
P/FCF ?
-2.46
Enterprise Value ?
N/A
EV/EBITDA ?
N/A
PEG ?
0.08
Earnings Yield ?
27.4%
Dividend Yield ?
1.16%
Profitability & Returns
Total Income (TTM) ?
₹79,118 Cr
OPM ?
N/A
Profit after tax (TTM) ?
₹28,551 Cr
EPS (TTM) ?
₹711.15
ROCE ?
N/A
ROE ?
75.6%
ROA ?
15.9%
Gross NPA % ?
2.35%
Net NPA % ?
2.04%
Growth
Total Income — latest qtr ?
₹8,194 Cr
PAT — latest qtr ?
₹3,086 Cr
YoY qtr sales growth ?
67.6%
YoY qtr profit growth ?
104.7%
Sales growth (3y) ?
38%
Sales growth (5y) ?
21%
Profit growth (3y) ?
43%
Profit growth (5y) ?
22%
Financial Health
Debt ?
N/A
Debt to Equity ?
N/A
Interest Coverage ?
N/A
Current Ratio ?
N/A
Ownership
Promoter holding ?
73.35%
Change in promoter holding ?
0.00%
Pledged percentage ?
N/A
Market
Return 3 months ?
-13.1%
Return 6 months ?
-27.2%

🗓️ Quarterly results (14 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best
Metric Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026 YoY % QoQ %
Interest Earned 2,6182,7942,9583,0603,1683,3583,7044,1174,4234,78455,9236,4327,1148,180 +71.0% +15.0%
Other Income 497069148616981051,2772914914 -86.7% -90.6%
Total Income 2,6672,8643,0263,0743,1763,4183,7104,1264,4314,88857,2006,4617,2638,194 +67.6% +12.8%
Interest Expended 9149411,0641,1561,2121,2231,3511,5501,6481,88021,1912,3132,6472,863 +52.3% +8.2%
Operating Profit 1,2621,2921,401——1,5101,715——2,14827,887—3,693— — —
Provisions 567586——86224——127433—111— — —
Profit Before Tax 1,2071,2161,3151,3301,3801,4241,4921,7081,8512,02027,4553,1513,5824,167 +106.2% +16.3%
Net Profit 9029039759911,0271,0561,0791,2511,3631,50820,4632,3452,6563,086 +104.7% +16.2%
EPS 22.4622.4924.2924.6925.5926.3226.8731.1633.9537.5650.9758.4266.1676.87 +104.7% +16.2%
Gross NPA % — 3.79% 4.26% 4.01% 3.62% 3.28% 3.98% 4.30% 4.22% 3.41% 2.58% 2.25% 1.58% 2.35% — —
Net NPA % — 3.40% 3.82% 3.59% 3.23% 2.90% 3.48% 3.68% 3.51% 2.79% 2.10% 1.86% 1.30% 2.04% — —
Capital Adequacy Ratio — — — — — — 27.47% 26.96% — — 21.96% 20.89% 20.27% — — —

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric FY25 FY26 TTM YoY %
Interest Earned ₹17,027 Cr ₹77,649 Cr ₹77,649 Cr +356.0%
Other Income ₹128 Cr ₹1,469 Cr ₹1,469 Cr +1045.6%
Total Income ₹17,156 Cr ₹79,118 Cr ₹79,118 Cr +361.2%
Interest Expended ₹6,429 Cr ₹29,014 Cr ₹29,014 Cr +351.3%
Net Interest Income ₹10,599 Cr ₹48,635 Cr ₹48,635 Cr +358.9%
Operating Profit ₹3,863 Cr ₹31,580 Cr ₹31,580 Cr +717.5%
Provisions ₹351 Cr ₹543 Cr ₹543 Cr +54.8%
Profit Before Tax ₹7,071 Cr ₹38,355 Cr ₹38,355 Cr +442.4%
Tax ₹926 Cr ₹7,917 Cr ₹7,917 Cr +755.4%
Net Profit ₹5,201 Cr ₹28,551 Cr ₹28,551 Cr +449.0%
EPS ₹129.54 ₹252.42 ₹252.42 +94.9%

🏛️ Balance Sheet (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Equity Capital 401401401401 +0.0%
Reserves 20,66023,88928,03637,341 +33.2%
Borrowing 49,73458,78389,820138,443 +54.1%
Other Liabilities 1,8241,9552,9913,759 +25.7%
Total Liabilities 72,62085,028121,249179,945 +48.4%
Fixed Assets 272350480514 +7.1%
CWIP 67881310 -23.1%
Investments 1,3172,2684,4993,855 -14.3%
Other Assets 70,96482,322116,257175,566 +51.0%
Total Assets 72,62085,028121,249179,945 +48.4%

💧 Cash Flow (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
Cash from Operating Activity -1,902-9,302-25,855-42,324 -63.7%
Cash from Investing Activity 188-739-1,9441,270 +165.3%
Cash from Financing Activity -1,0368,64929,93345,569 +52.2%
Net Cash Flow -2,750-1,3922,1344,516 +111.6%
Free Cash Flow -1,995-9,471-25,975-42,441 -63.4%
CFO/OP -8%-78%-178%-164% +7.9%

➗ Ratios (latest 4 periods)

Metric Mar 2023Mar 2024Mar 2025Mar 2026 % Chg
ROE % 18%18%20%31% +55.0%

👥 Shareholding (latest 5 periods)

Metric Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026 % Chg
Promoters 73.35%73.35%73.35%73.35%73.35% +0.0%
FIIs 10.84%11.58%11.75%12.31%11.61% -5.7%
DIIs 12.21%11.37%11.13%10.43%10.76% +3.2%
Public 3.60%3.70%3.77%3.92%4.29% +9.4%
No. of Shareholders 2,88,6882,99,7093,05,9643,14,8873,12,071 -0.9%

⚖️ Peer comparison

Industry: Credit Services · 23 companies · full page →
# Company CMP MCap (Cr) P/E Total Inc TTM NP TTM OPM% NPM% Inc YoY% NP YoY% Qtr Rev Δ% Qtr NP Δ%
1 BAJFINANCE Bajaj Finance ₹1,034.50 643,553 31.7 86,183 20,648 21.1% 24.0% 18.4% 15.2% 18.7% 27.6%
2 SHRIRAMFIN Shriram Finance ₹1,028.60 242,034 21.1 50,068 11,318 27.5% 22.6% 15.1% 4.7% 16.3% 59.9%
3 CHOLAFIN Cholamandalam Investment ₹1,845.90 157,642 27.2 33,144 5,751 14.1% 17.4% 20.6% 22.7% 21.8% 45.6%
4 PFC Power Finance ₹353.45 116,642 4.5 115,462 33,642 28.0% 29.1% 8.4% 10.2% -0.2% 0.2%
5 MUTHOOTFIN Muthoot Finance ₹2,792.10 112,094 10.6 31,349 10,606 33.7% 33.8% 54.4% 98.1% 65.1% 135.2%
6 IRFC Indian Railway ₹81.09 105,973 14.4 30,364 7,372 18.9% 24.3% 0.7% 7.8% 24.4% 10.2%
7 RECLTD REC ₹312.70 82,341 5.1 59,274 16,035 27.4% 27.1% 5.7% 2.7% -2.4% -6.1%
8 LTF L&T Finance ₹309.10 77,462 15.9 20,052 4,871 12.7% 24.3% 12.4% 67.1% 26.5% 32.4%
9 SBICARD SBI Cards ₹655.20 62,352 28.8 20,712 2,166 28.8% 10.5% 11.1% 13.1% 7.4% 14.0%
10 HDBFS HDB FINANCIAL ₹670.85 55,577 20.2 18,902 2,761 31.0% 14.6% — — 10.6% 38.3%
11 PIRAMALFIN PIRAMAL FINANCE ₹2,256.00 53,275 — — — — — — — — —
12 SUNDARMFIN Sundaram Finance ₹4,700.00 51,802 23.4 10,164 2,220 23.7% 21.8% 15.2% 9.5% 12.8% 33.9%
13 M&MFIN Mahindra & Mahindra ₹356.50 49,540 15.2 21,808 3,259 14.7% 14.9% 13.9% 26.5% 14.1% 75.3%
14 POONAWALLA Poonawalla Fincorp ₹444.00 38,888 34.7 8,900 1,088 15.8% 12.2% 60.9% 652.7% 70.1% 405.2%
15 HUDCO Housing and Urban ₹172.35 34,503 8.1 14,119 4,255 19.2% 30.1% 28.8% 48.9% 26.9% 35.1%
16 IREDA Indian Renewable ₹111.71 31,382 16.0 8,628 1,964 9.8% 22.8% 23.4% 10.3% 14.8% 36.8%
17 MANAPPURAM Manappuram Finance ₹329.00 30,904 20.9 10,300 1,445 16.2% 14.0% -5.5% -17.5% 34.2% 341.4%
18 CHOLAHLDNG Cholamandalam Financial ₹1,539.00 28,899 10.8 41,410 6,015 18.6% 14.5% 18.3% 15.7% 19.5% 42.0%
19 CGCL Capri Global ₹265.50 25,545 22.7 5,318 1,128 22.2% 21.2% 45.9% 98.4% 57.3% 102.0%
20 IIFL IIFL Finance ₹600.00 25,517 — — — — — 30.8% 214.4% 28.4% 92.6%
21 CREDITACC CreditAccess Grameen ₹1,403.30 22,489 18.6 6,383 1,211 31.9% 19.0% 5.3% 46.5% 21.9% 719.7%
22 IFCI IFCI ₹82.67 22,274 96.0 2,043 432 32.0% 21.2% 3.2% 24.7% -19.6% -3.5%
23 KISSHT OnEMI Technology ₹361.35 6,406 — — — — — — — 44.6% 58.5%
❓ Frequently asked questions
What was Muthoot Finance Limited's total income in Q4 FY26?
Muthoot Finance Limited reported total income of ₹8,194 crore for the quarter ended March 2026 (Q4 FY26), up 67.6% from ₹4,888 crore in the same quarter last year, and up 12.8% sequentially over the December 2025 quarter.
What was Muthoot Finance Limited's net profit in Q4 FY26?
Net profit rose 104.7% year-on-year to ₹3,086 crore, from ₹1,508 crore. Earnings per share (EPS) came in at ₹76.87.
What is MUTHOOTFIN's market capitalisation and P/E ratio?
At the current price of ₹2,598.30, MUTHOOTFIN has a market capitalisation of ₹104,314 crore and a trailing P/E of about 3.7.
What are Muthoot Finance Limited's NPA levels?
On asset quality, gross NPA stood at 2.35% and net NPA at 2.04% (gross NPA was 3.41% a year ago).
Who owns Muthoot Finance Limited? (shareholding pattern)
As of Jun 2026, promoters held 73.35%, foreign institutional investors (FIIs) 11.61%, domestic institutional investors (DIIs) 10.76%, public shareholders 4.29% of Muthoot Finance Limited.
TTM ends 2026-03-31. Amounts are ₹ crore unless stated otherwise. Figures are extracted by AI from public quarterly filings; gaps are filled from public market data. Live price refreshed about twice a day from exchange data. Educational information only — not financial advice.
⚠️ How this site is made: Market data pages are computed automatically from NSE/BSE publications and company filings; news articles and announcement analyses are written with AI assistance, with a human in the loop: our editors review what the AI produces. Both can contain errors. Verify with the original sources before any investment decision. Not investment advice; Flash Finance is not SEBI-registered. How we use AI