Muthoot Finance Intrinsic Value
Muthoot Finance intrinsic value. Muthoot Finance (MUTHOOTFIN) median intrinsic value is ₹2135.81 from 9 valuation models (range ₹790–₹5268), vs current price ₹2634.10 — -18.9% downside (Trading Above Median Value), margin of safety -23.3%. Compare with MUTHOOTFIN fair value to assess whether the stock is under or overvalued.
MUTHOOTFIN Valuation Methods Summary — DCF, Graham Number & P/E
Muthoot Finance intrinsic value across 9 models vs current price ₹2634.10 — upside/downside and value range per method. Read MUTHOOTFIN dividend history for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹4004.64 | ₹3203.71 - ₹4805.57 | +52.0% | EPS: ₹333.72, Sector P/E: 12x |
| Book Value Method | asset | ₹791.52 | ₹712.37 - ₹870.67 | -70.0% | Book Value/Share: ₹989.40, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹924.48 | ₹832.03 - ₹1016.93 | -64.9% | Revenue/Share: ₹924.48, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3862.19 | ₹3475.97 - ₹4248.41 | +46.6% | EBITDA: ₹31052.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹2135.81 | ₹1922.23 - ₹2349.39 | -18.9% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹2749.85 | ₹2474.86 - ₹3024.84 | +4.4% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹5268.20 | ₹4741.38 - ₹5795.02 | +100.0% | ROE: 34.2%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹1978.81 | ₹1780.93 - ₹2176.69 | -24.9% | EPS: ₹333.72, BVPS: ₹989.40 |
| Dividend Yield Method | dividend | ₹790.23 | ₹711.21 - ₹869.25 | -70.0% | DPS: ₹30.00, Target Yield: 4.0% |
MUTHOOTFIN Intrinsic Value vs Market Price — All Valuation Models
Muthoot Finance fair value range ₹790–₹5268 vs current market price ₹2634.10 across 9 valuation models. For current market price and key ratios, visit Muthoot Finance share price today.
MUTHOOTFIN Intrinsic Value Analysis — Undervalued or Overvalued?
Muthoot Finance median intrinsic value ₹2135.81, current price ₹2634.10 — Trading Above Median Value by 18.9%, margin of safety -23.3%.
What is the intrinsic value of MUTHOOTFIN?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Muthoot Finance (MUTHOOTFIN) is ₹2135.81 (median value). With the current market price of ₹2634.10, this represents a -18.9% variance from our estimated fair value.
The valuation range spans from ₹790.23 to ₹5268.20, indicating ₹790.23 - ₹5268.20.
Is MUTHOOTFIN undervalued or overvalued?
Based on our multi-method analysis, Muthoot Finance (MUTHOOTFIN) appears to be trading above median value by approximately 18.9%.
MUTHOOTFIN Financial Health — Key Ratios vs Industry Benchmarks
Muthoot Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 34.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 84.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.19x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
MUTHOOTFIN Cash Flow Quality — Operating & Free Cash Flow
Muthoot Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-47,393 Cr | ₹-47,393 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-26,525 Cr | ₹-27,213 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-13,606 Cr | ₹-13,606 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-2,804 Cr | ₹-2,804 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-1,596 Cr | ₹-1,596 Cr | Negative Cash Flow | 3/10 |