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Muthoot Capital (MUTHOOTCAP) | Financial Analysis & Statements

Muthoot Capital Services Ltd. | Small-cap | Financial Services

₹278.10

-0.22%

Muthoot Capital vs Bajaj Finance Muthoot Capital vs Indian Railway Muthoot Capital vs Northern Arc Capital Muthoot Capital vs Dhani Services Muthoot Capital vs Paisalo Digital Muthoot Capital vs NIFTY 50 | Market

TL;DR Income Statement Balance Sheet Cash Flow Key Ratios Peer Comparison

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Jun 2025

Income Metrics

Revenue 1.5B

Gross Profit 412.4M 28.41%

Operating Income 182.8M 12.60%

Net Income -46.7M -3.22%

EPS (Diluted) ₹-2.84

Balance Sheet Metrics

Total Assets 35.8B

Total Liabilities 29.3B

Shareholders Equity 6.6B

Debt to Equity 4.45

Cash Flow Metrics

Revenue & Profitability Trend

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This page uses interactive financial charts and dynamic data visualization tools that require JavaScript. For detailed financial analysis:

Available Financial Data:

Income statements (annual and quarterly)
Balance sheets with asset and liability details
Cash flow statements and free cash flow analysis
Key financial ratios and performance metrics
Peer comparison and industry benchmarking

All financial data is displayed in accessible table format below. Use the table headers and structure to analyze trends and compare metrics across different periods.

Muthoot Capital Income Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Revenue i	4.6B	3.8B	4.3B	4.0B	4.9B
Cost of Goods Sold i	2.1B	2.1B	2.2B	2.1B	2.2B
Gross Profit i	2.5B	1.7B	2.1B	1.9B	2.7B
Gross Margin % i	54.4%	45.6%	48.7%	47.3%	55.4%
Operating Expenses
Research & Development i	-	-	-	-	-
Selling, General & Administrative i	72.2M	69.7M	58.4M	53.6M	45.0M
Other Operating Expenses i	266.5M	135.7M	106.1M	129.8M	112.0M
Total Operating Expenses i	338.7M	205.4M	164.5M	183.4M	157.0M
Operating Income i	1.9B	1.3B	1.7B	1.5B	2.3B
Operating Margin % i	40.5%	33.5%	38.5%	36.6%	47.2%
Non-Operating Items
Interest Income i	102.8M	176.1M	94.9M	127.1M	110.8M
Interest Expense i	1.2B	717.3M	592.0M	509.7M	808.0M
Other Non-Operating Income	-	-	-	-	-
Pre-tax Income i	604.0M	1.6B	1.1B	-2.2B	695.0M
Income Tax i	146.5M	416.8M	301.2M	-537.6M	180.4M
Effective Tax Rate % i	24.3%	25.4%	27.7%	0.0%	26.0%
Net Income i	457.5M	1.2B	786.8M	-1.6B	514.6M
Net Margin % i	9.9%	32.4%	18.3%	-40.8%	10.4%
Key Metrics
EBITDA i	2.1B	1.5B	1.8B	1.6B	2.5B
EPS (Basic) i	₹27.81	₹74.58	₹47.84	₹-98.47	₹31.29
EPS (Diluted) i	₹27.81	₹74.58	₹47.84	₹-98.47	₹31.29
Basic Shares Outstanding i	16448000	16448000	16448000	16400000	16400000
Diluted Shares Outstanding i	16448000	16448000	16448000	16400000	16400000

Income Statement Trend

Muthoot Capital Balance Sheet From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Assets
Current Assets
Cash & Equivalents i	3.0B	1.8B	5.0B	2.9B	5.4B
Short-term Investments i	1.0B	1.4B	478.8M	404.5M	640.4M
Accounts Receivable i	-	-	-	-	-
Inventory i	-	-	-	-	-
Other Current Assets	2.6M	63.9M	1.5M	16.8M	15.1M
Total Current Assets i	33.9B	12.7B	11.1B	19.4B	24.8B
Non-Current Assets
Property, Plant & Equipment i	22.8M	400.0K	400.0K	400.0K	400.0K
Goodwill i	30.2M	38.7M	851.0K	1.4M	3.2M
Intangible Assets i	30.2M	38.7M	851.0K	1.4M	3.2M
Long-term Investments	-	0	0	1.1M	-
Other Non-Current Assets	88.3M	4.1M	34.0M	5.0M	5.0M
Total Non-Current Assets i	1.9B	10.5B	13.2B	1.6B	778.0M
Total Assets i	35.8B	23.1B	24.4B	21.0B	25.6B
Liabilities
Current Liabilities
Accounts Payable i	279.1M	148.8M	297.8M	284.9M	208.0M
Short-term Debt i	-	12.8B	14.9B	1.3B	1.7B
Current Portion of Long-term Debt	-	-	-	-	-
Other Current Liabilities	432.0M	121.4M	183.4M	385.1M	385.7M
Total Current Liabilities i	1.1B	13.3B	15.6B	2.3B	2.6B
Non-Current Liabilities
Long-term Debt i	28.1B	3.5B	3.7B	14.4B	17.2B
Deferred Tax Liabilities i	-	-	-	-	-
Other Non-Current Liabilities	1.0K	205.7M	194.5M	972.0K	-3.7M
Total Non-Current Liabilities i	28.1B	3.7B	3.9B	14.6B	17.4B
Total Liabilities i	29.3B	17.0B	19.5B	16.9B	20.0B
Equity
Common Stock i	164.5M	164.5M	164.5M	164.5M	164.5M
Retained Earnings i	2.9B	2.6B	1.6B	962.3M	2.5B
Treasury Stock i	-	-	-	-	-
Other Equity	-	-	-	-	-
Total Shareholders Equity i	6.6B	6.1B	4.9B	4.1B	5.6B
Key Metrics
Total Debt i	28.1B	16.3B	18.5B	15.7B	18.9B
Working Capital i	32.8B	-658.3M	-4.5B	17.1B	22.2B

Balance Sheet Composition

Muthoot Capital Cash Flow Statement From 2021 to 2025

Metric	2025	2024	2023	2022	2021
Operating Activities
Net Income i	604.0M	1.6B	1.1B	-2.2B	695.0M
Depreciation & Amortization i	-	-	-	-	-
Stock-Based Compensation i	-	-	-	-	-
Working Capital Changes i	-11.3B	1.0B	-1.7B	-30.9M	5.1B
Operating Cash Flow i	-8.5B	4.3B	895.6M	-688.7M	7.7B
Investing Activities
Capital Expenditures i	-38.2M	-8.5M	-5.9M	-1.1M	-4.3M
Acquisitions i	-	-	-	-	-
Investment Purchases i	-	-	-	-	-
Investment Sales i	-	-	-	-	-
Investing Cash Flow i	-38.2M	-8.5M	-5.9M	-1.1M	-4.3M
Financing Activities
Share Repurchases i	-	-	-	-	-
Dividends Paid i	-	-	-	-	-
Debt Issuance i	17.6B	-	-	-	2.8B
Debt Repayment i	-14.4B	-	-	-3.2B	-7.0B
Financing Cash Flow i	4.4B	-48.8M	-213.5M	-3.1B	-4.2B
Free Cash Flow i	-11.0B	-118.7M	-470.0M	731.7M	6.7B
Net Change in Cash i	-4.1B	4.3B	676.2M	-3.8B	3.5B

Cash Flow Trend

Muthoot Capital Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 15.15

Price to Book 0.70

Price to Sales 2.02

PEG Ratio -0.11

Profitability Ratios

Profit Margin 13.34%

Operating Margin -13.52%

Return on Equity 6.95%

Return on Assets 1.28%

Financial Health

Current Ratio 29.54

Debt to Equity 427.26

Beta -0.17

Per Share Data

EPS (TTM) ₹18.39

Book Value per Share ₹399.66

Revenue per Share ₹137.95

Peer Financial Comparison

Company	Market Cap	P/E Ratio	P/B Ratio	ROE	Profit Margin	Debt/Equity
muthootcap	4.6B	15.15	0.70	6.95%	13.34%	427.26
Bajaj Finance	6.2T	34.91	6.29	20.08%	44.94%	294.16
Indian Railway	1.7T	23.71	2.97	12.68%	97.62%	748.58
Northern Arc Capital	45.5B	15.01	1.28	8.85%	26.85%	287.35
Dhani Services	39.6B	106.42	1.26	-1.91%	10.03%	17.62
Paisalo Digital	34.6B	16.59	2.25	13.04%	47.61%	231.89

Financial data is updated regularly. All figures are in the company's reporting currency.