Muthoot Finance Intrinsic Value
MUTHOOTFIN Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹2893.92 | ₹2315.14 - ₹3472.70 | -26.2% | EPS: ₹241.16, Sector P/E: 12x |
| Book Value Method | asset | ₹784.20 | ₹705.78 - ₹862.62 | -80.0% | Book Value/Share: ₹746.09, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1176.30 | ₹1058.67 - ₹1293.93 | -70.0% | Revenue/Share: ₹729.65, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2614.97 | ₹2353.47 - ₹2876.47 | -33.3% | EBITDA: ₹23412.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹1543.42 | ₹1389.08 - ₹1697.76 | -60.6% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹1987.16 | ₹1788.44 - ₹2185.88 | -49.3% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹3840.00 | ₹3456.00 - ₹4224.00 | -2.1% | ROE: 32.2%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹1492.19 | ₹1342.97 - ₹1641.41 | -61.9% | EPS: ₹241.16, BVPS: ₹746.09 |
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Valuation Comparison Chart
MUTHOOTFIN Intrinsic Value Analysis
What is the intrinsic value of MUTHOOTFIN?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Muthoot Finance (MUTHOOTFIN) is ₹1987.16 (median value). With the current market price of ₹3921.00, this represents a -49.3% variance from our estimated fair value.
The valuation range spans from ₹784.20 to ₹3840.00, indicating ₹784.20 - ₹3840.00.
Is MUTHOOTFIN undervalued or overvalued?
Based on our multi-method analysis, Muthoot Finance (MUTHOOTFIN) appears to be trading above calculated value by approximately 49.3%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 4.43 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 32.2% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 80.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.22x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Muthoot Finance
Additional stock information and data for MUTHOOTFIN
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-7,814 Cr | ₹-7,814 Cr | Negative Cash Flow | 3/10 |