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MUTHOOTFIN (Muthoot Finance Limited) Stock Analysis
Buy, Hold or Sell?

Let's analyze Muthoot Finance Limited together

I guess you are interested in Muthoot Finance Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Muthoot Finance Limited’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Muthoot Finance Limited’s Price Targets

I'm going to help you getting a better view of Muthoot Finance Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Muthoot Finance Limited (30 sec.)










1.2. What can you expect buying and holding a share of Muthoot Finance Limited? (30 sec.)

How much money do you get?

How much money do you get?
INR1.12
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR747.06
Expected worth in 1 year
INR1,169.46
How sure are you?
100.0%

+ What do you gain per year?

Total Gains per Share
INR518.52
Return On Investment
19.7%

For what price can you sell your share?

Current Price per Share
INR2,637.40
Expected price per share
INR2,341 - INR2,670
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Muthoot Finance Limited (5 min.)




Live pricePrice per Share (EOD)
INR2,637.40
Intrinsic Value Per Share
INR-9,185.54 - INR-3,942.66
Total Value Per Share
INR-8,438.49 - INR-3,195.60

2.2. Growth of Muthoot Finance Limited (5 min.)




Is Muthoot Finance Limited growing?

Current yearPrevious yearGrowGrow %
How rich?$3.5b$3b$495.9m14.1%

How much money is Muthoot Finance Limited making?

Current yearPrevious yearGrowGrow %
Making money$623.9m$505.9m$118m18.9%
Net Profit Margin26.2%28.5%--

How much money comes from the company's main activities?

2.3. Financial Health of Muthoot Finance Limited (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#23 / 231

Most Revenue
#20 / 231

Most Profit
#14 / 231
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Muthoot Finance Limited?

Welcome investor! Muthoot Finance Limited's management wants to use your money to grow the business. In return you get a share of Muthoot Finance Limited.

First you should know what it really means to hold a share of Muthoot Finance Limited. And how you can make/lose money.

Speculation

The Price per Share of Muthoot Finance Limited is INR2,637. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Muthoot Finance Limited.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Muthoot Finance Limited, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR747.06. Based on the TTM, the Book Value Change Per Share is INR105.60 per quarter. Based on the YOY, the Book Value Change Per Share is INR89.66 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR24.03 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Muthoot Finance Limited.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps1.550.1%1.550.1%1.260.0%1.290.0%1.230.0%0.880.0%
Usd Book Value Change Per Share1.240.0%1.240.0%1.050.0%1.050.0%1.050.0%0.730.0%
Usd Dividend Per Share0.280.0%0.280.0%0.260.0%0.260.0%0.200.0%0.230.0%
Usd Total Gains Per Share1.520.1%1.520.1%1.310.0%1.310.0%1.250.0%0.960.0%
Usd Price Per Share27.88-27.88-17.32-18.89-17.27-11.19-
Price to Earnings Ratio17.94-17.94-13.75-14.19-13.72-11.85-
Price-to-Total Gains Ratio18.38-18.38-13.26-13.98-13.52-10.66-
Price to Book Ratio3.19-3.19-2.31-2.42-2.63-2.32-
Price-to-Total Gains Ratio18.38-18.38-13.26-13.98-13.52-10.66-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share30.85758
Number of shares32
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.280.20
Usd Book Value Change Per Share1.241.05
Usd Total Gains Per Share1.521.25
Gains per Quarter (32 shares)48.5340.00
Gains per Year (32 shares)194.14160.00
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
13615818426134150
27231637852268310
310847457277403470
4144633766103537630
5180791960129671790
62169491154155805950
7252110713481809401110
82881265154220610741270
93241423173623212081430
103601581193025813421590

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.00.07.065.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%20.00.00.0100.0%
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3.2. Key Performance Indicators

The key performance indicators of Muthoot Finance Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--105.600105.6000%89.659+18%90.119+17%89.624+18%61.970+70%
Book Value Per Share--747.060747.0600%641.460+16%646.773+16%561.908+33%386.208+93%
Current Ratio--11.68211.6820%0.093+12513%23.236-50%34.091-66%21.169-45%
Debt To Asset Ratio--0.7740.7740%0.733+6%0.744+4%0.750+3%0.764+1%
Debt To Equity Ratio--3.5033.5030%2.817+24%2.999+17%3.087+13%3.330+5%
Dividend Per Share--24.03124.0310%22.029+9%22.022+9%17.216+40%19.907+21%
Enterprise Value--11490126607.10011490126607.1000%-52392779943.400+556%-49915778845.433+534%-10744440345.220+194%-54107399870.797+571%
Eps--132.830132.8300%107.706+23%110.171+21%105.064+26%75.093+77%
Ev To Ebitda Ratio--0.1560.1560%-0.453+391%-0.845+643%-0.144+193%-1.616+1138%
Ev To Sales Ratio--0.0570.0570%-0.346+711%-0.567+1103%-0.093+265%-1.188+2202%
Free Cash Flow Per Share---662.378-662.3780%106.299-723%-209.814-68%-173.706-74%-120.733-82%
Free Cash Flow To Equity Per Share--82.18582.1850%405.448-80%141.370-42%102.550-20%62.978+30%
Gross Profit Margin--1.0001.0000%0.938+7%0.962+4%0.963+4%0.947+6%
Intrinsic Value_10Y_max---3942.663----------
Intrinsic Value_10Y_min---9185.545----------
Intrinsic Value_1Y_max---180.285----------
Intrinsic Value_1Y_min---392.967----------
Intrinsic Value_3Y_max---705.385----------
Intrinsic Value_3Y_min---1644.573----------
Intrinsic Value_5Y_max---1427.848----------
Intrinsic Value_5Y_min---3394.962----------
Market Cap1058821153600.000+10%956694076607.100956694076607.1000%594387570056.600+61%648165431154.567+48%592598443654.780+61%383999143658.515+149%
Net Profit Margin--0.2620.2620%0.285-8%0.339-23%0.406-35%0.383-31%
Operating Margin--0.3580.3580%0.756-53%0.463-23%0.428-16%0.519-31%
Operating Ratio--0.6420.6420%0.531+21%0.509+26%0.434+48%0.650-1%
Pb Ratio3.530+10%3.1903.1900%2.308+38%2.425+32%2.628+21%2.322+37%
Pe Ratio19.855+10%17.93917.9390%13.745+31%14.192+26%13.721+31%11.847+51%
Price Per Share2637.400+10%2382.9002382.9000%1480.450+61%1614.433+48%1476.030+61%956.405+149%
Price To Free Cash Flow Ratio-3.982-11%-3.597-3.5970%13.927-126%-1.009-72%-8.141+126%2.389-251%
Price To Total Gains Ratio20.345+10%18.38218.3820%13.255+39%13.980+31%13.520+36%10.660+72%
Quick Ratio--11.68211.6820%0.095+12134%22.602-48%33.702-65%20.915-44%
Return On Assets--0.0400.0400%0.045-10%0.043-7%0.048-16%0.047-14%
Return On Equity--0.1820.1820%0.172+5%0.174+5%0.196-7%0.201-10%
Total Gains Per Share--129.631129.6310%111.688+16%112.141+16%106.840+21%81.877+58%
Usd Book Value--3509201826.0003509201826.0000%3013222680.000+16%3038100858.000+16%2639461921.200+33%1814345634.468+93%
Usd Book Value Change Per Share--1.2361.2360%1.049+18%1.054+17%1.049+18%0.725+70%
Usd Book Value Per Share--8.7418.7410%7.505+16%7.567+16%6.574+33%4.519+93%
Usd Dividend Per Share--0.2810.2810%0.258+9%0.258+9%0.201+40%0.233+21%
Usd Enterprise Value--134434481.303134434481.3030%-612995525.338+556%-584014612.492+534%-125709952.039+194%-633056578.488+571%
Usd Eps--1.5541.5540%1.260+23%1.289+21%1.229+26%0.879+77%
Usd Free Cash Flow---3111422886.000-3111422886.0000%499332483.000-723%-985559991.000-68%-815959076.400-74%-567113933.789-82%
Usd Free Cash Flow Per Share---7.750-7.7500%1.244-723%-2.455-68%-2.032-74%-1.413-82%
Usd Free Cash Flow To Equity Per Share--0.9620.9620%4.744-80%1.654-42%1.200-20%0.737+30%
Usd Market Cap12388207497.120+10%11193320696.30311193320696.3030%6954334569.662+61%7583535544.508+48%6933401790.761+61%4492789980.805+149%
Usd Price Per Share30.858+10%27.88027.8800%17.321+61%18.889+48%17.270+61%11.190+149%
Usd Profit--623949300.000623949300.0000%505941696.000+23%517509954.000+21%493517793.600+26%352765291.948+77%
Usd Revenue--2377964862.0002377964862.0000%1774040814.000+34%1684698210.000+41%1371476737.800+73%975484198.674+144%
Usd Total Gains Per Share--1.5171.5170%1.307+16%1.312+16%1.250+21%0.958+58%
 EOD+5 -3MRQTTM+0 -0YOY+26 -143Y+24 -165Y+22 -1810Y+26 -14

3.3 Fundamental Score

Let's check the fundamental score of Muthoot Finance Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1519.855
Price to Book Ratio (EOD)Between0-13.530
Net Profit Margin (MRQ)Greater than00.262
Operating Margin (MRQ)Greater than00.358
Quick Ratio (MRQ)Greater than111.682
Current Ratio (MRQ)Greater than111.682
Debt to Asset Ratio (MRQ)Less than10.774
Debt to Equity Ratio (MRQ)Less than13.503
Return on Equity (MRQ)Greater than0.150.182
Return on Assets (MRQ)Greater than0.050.040
Total6/10 (60.0%)

3.4 Technical Score

Let's check the technical score of Muthoot Finance Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5070.237
Ma 20Greater thanMa 502,555.635
Ma 50Greater thanMa 1002,319.682
Ma 100Greater thanMa 2002,266.064
OpenGreater thanClose2,625.000
Total4/5 (80.0%)

4. In-depth Analysis

4.1 About Muthoot Finance Limited

Muthoot Finance Limited, a non-banking financing company, primarily engages in the provision of gold loan in India. The company offers personal and business loans secured by gold jewelry, or gold loans primarily to individuals and micro finance. It also provides housing finance, gold coins, money transfer, and foreign exchange services; mutual funds and non-convertible debentures; health, home, vehicle, life, and travel insurance products; and vehicle, corporate, and SME loans; as well as offers banking services. In addition, the company generates electric power through three windmills with a combined capacity of 3.75 MW in Tamil Nadu. Muthoot Finance Limited was founded in 1887 and is headquartered in Kochi, India.

Fundamental data was last updated by Penke on 2025-06-22 01:11:03.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Muthoot Finance Limited earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • A Net Profit Margin of 26.2%Β means thatΒ ₹0.26 for each ₹1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Muthoot Finance Limited:

  • The MRQ is 26.2%. The company is making a huge profit. +2
  • The TTM is 26.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ26.2%TTM26.2%0.0%
TTM26.2%YOY28.5%-2.3%
TTM26.2%5Y40.6%-14.4%
5Y40.6%10Y38.3%+2.3%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ26.2%11.9%+14.3%
TTM26.2%12.2%+14.0%
YOY28.5%14.1%+14.4%
3Y33.9%14.4%+19.5%
5Y40.6%15.5%+25.1%
10Y38.3%15.0%+23.3%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Muthoot Finance Limited is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • 4.0% Return on Assets means thatΒ Muthoot Finance Limited generatedΒ ₹0.04 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Muthoot Finance Limited:

  • The MRQ is 4.0%. Using its assets, the company is less efficient in making profit.
  • The TTM is 4.0%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ4.0%TTM4.0%0.0%
TTM4.0%YOY4.5%-0.5%
TTM4.0%5Y4.8%-0.7%
5Y4.8%10Y4.7%+0.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ4.0%0.9%+3.1%
TTM4.0%0.9%+3.1%
YOY4.5%1.0%+3.5%
3Y4.3%1.0%+3.3%
5Y4.8%1.0%+3.8%
10Y4.7%1.0%+3.7%
4.3.1.3. Return on Equity

Shows how efficient Muthoot Finance Limited is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • 18.2% Return on Equity means Muthoot Finance Limited generated ₹0.18Β for eachΒ ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Muthoot Finance Limited:

  • The MRQ is 18.2%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 18.2%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ18.2%TTM18.2%0.0%
TTM18.2%YOY17.2%+0.9%
TTM18.2%5Y19.6%-1.4%
5Y19.6%10Y20.1%-0.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ18.2%3.1%+15.1%
TTM18.2%3.2%+15.0%
YOY17.2%3.7%+13.5%
3Y17.4%3.4%+14.0%
5Y19.6%3.2%+16.4%
10Y20.1%3.9%+16.2%
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4.3.2. Operating Efficiency of Muthoot Finance Limited.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Muthoot Finance Limited is operatingΒ .

  • Measures how much profit Muthoot Finance Limited makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • An Operating Margin of 35.8%Β means the company generated ₹0.36 Β for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Muthoot Finance Limited:

  • The MRQ is 35.8%. The company is operating very efficient. +2
  • The TTM is 35.8%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ35.8%TTM35.8%0.0%
TTM35.8%YOY75.6%-39.9%
TTM35.8%5Y42.8%-7.0%
5Y42.8%10Y51.9%-9.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ35.8%17.7%+18.1%
TTM35.8%16.1%+19.7%
YOY75.6%23.8%+51.8%
3Y46.3%17.1%+29.2%
5Y42.8%18.8%+24.0%
10Y51.9%23.4%+28.5%
4.3.2.2. Operating Ratio

Measures how efficient Muthoot Finance Limited is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Credit Services industry mean).
  • An Operation Ratio of 0.64 means that the operating costs are ₹0.64 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of Muthoot Finance Limited:

  • The MRQ is 0.642. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.642. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.642TTM0.6420.000
TTM0.642YOY0.531+0.112
TTM0.6425Y0.434+0.208
5Y0.43410Y0.650-0.215
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6420.979-0.337
TTM0.6420.918-0.276
YOY0.5310.832-0.301
3Y0.5090.866-0.357
5Y0.4340.825-0.391
10Y0.6500.796-0.146
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4.4.3. Liquidity of Muthoot Finance Limited.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Muthoot Finance Limited is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Credit Services industry mean).
  • A Current Ratio of 11.68Β means the company has ₹11.68 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of Muthoot Finance Limited:

  • The MRQ is 11.682. The company is very able to pay all its short-term debts. +2
  • The TTM is 11.682. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ11.682TTM11.6820.000
TTM11.682YOY0.093+11.589
TTM11.6825Y34.091-22.409
5Y34.09110Y21.169+12.922
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ11.6822.164+9.518
TTM11.6822.013+9.669
YOY0.0931.772-1.679
3Y23.2363.397+19.839
5Y34.0914.033+30.058
10Y21.1694.568+16.601
4.4.3.2. Quick Ratio

Measures if Muthoot Finance Limited is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • A Quick Ratio of 11.68Β means the company can pay off ₹11.68 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Muthoot Finance Limited:

  • The MRQ is 11.682. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 11.682. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ11.682TTM11.6820.000
TTM11.682YOY0.095+11.587
TTM11.6825Y33.702-22.020
5Y33.70210Y20.915+12.788
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ11.6820.921+10.761
TTM11.6820.992+10.690
YOY0.0951.515-1.420
3Y22.6022.595+20.007
5Y33.7024.212+29.490
10Y20.9154.424+16.491
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4.5.4. Solvency of Muthoot Finance Limited.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of Muthoot Finance LimitedΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Muthoot Finance Limited to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.77Β means that Muthoot Finance Limited assets areΒ financed with 77.4% credit (debt) and the remaining percentage (100% - 77.4%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of Muthoot Finance Limited:

  • The MRQ is 0.774. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.774. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.774TTM0.7740.000
TTM0.774YOY0.733+0.041
TTM0.7745Y0.750+0.024
5Y0.75010Y0.764-0.014
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7740.731+0.043
TTM0.7740.735+0.039
YOY0.7330.714+0.019
3Y0.7440.720+0.024
5Y0.7500.719+0.031
10Y0.7640.706+0.058
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Muthoot Finance Limited is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • A Debt to Equity ratio of 350.3% means that company has ₹3.50 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Muthoot Finance Limited:

  • The MRQ is 3.503. The company is unable to pay all its debts with equity. -1
  • The TTM is 3.503. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ3.503TTM3.5030.000
TTM3.503YOY2.817+0.686
TTM3.5035Y3.087+0.416
5Y3.08710Y3.330-0.243
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.5032.569+0.934
TTM3.5032.593+0.910
YOY2.8172.533+0.284
3Y2.9992.518+0.481
5Y3.0872.429+0.658
10Y3.3302.407+0.923
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every ₹1 in earnings Muthoot Finance Limited generates.

  • Above 15 is considered overpriced butΒ always compareΒ Muthoot Finance Limited to theΒ Credit Services industry mean.
  • A PE ratio of 17.94 means the investor is paying ₹17.94Β for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Muthoot Finance Limited:

  • The EOD is 19.855. Based on the earnings, the company is fair priced.
  • The MRQ is 17.939. Based on the earnings, the company is fair priced.
  • The TTM is 17.939. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD19.855MRQ17.939+1.916
MRQ17.939TTM17.9390.000
TTM17.939YOY13.745+4.194
TTM17.9395Y13.721+4.218
5Y13.72110Y11.847+1.874
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD19.8559.075+10.780
MRQ17.9398.666+9.273
TTM17.93910.013+7.926
YOY13.7458.011+5.734
3Y14.1929.630+4.562
5Y13.72110.718+3.003
10Y11.84712.923-1.076
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Muthoot Finance Limited:

  • The EOD is -3.982. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -3.597. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -3.597. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.982MRQ-3.597-0.384
MRQ-3.597TTM-3.5970.000
TTM-3.597YOY13.927-17.525
TTM-3.5975Y-8.141+4.543
5Y-8.14110Y2.389-10.529
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-3.9820.830-4.812
MRQ-3.5970.685-4.282
TTM-3.5970.685-4.282
YOY13.9270.034+13.893
3Y-1.009-0.131-0.878
5Y-8.1410.194-8.335
10Y2.389-0.119+2.508
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Muthoot Finance Limited is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Credit Services industry mean).
  • A PB ratio of 3.19 means the investor is paying ₹3.19Β for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of Muthoot Finance Limited:

  • The EOD is 3.530. Based on the equity, the company is fair priced.
  • The MRQ is 3.190. Based on the equity, the company is fair priced.
  • The TTM is 3.190. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD3.530MRQ3.190+0.341
MRQ3.190TTM3.1900.000
TTM3.190YOY2.308+0.882
TTM3.1905Y2.628+0.562
5Y2.62810Y2.322+0.306
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD3.5300.946+2.584
MRQ3.1900.871+2.319
TTM3.1900.946+2.244
YOY2.3081.012+1.296
3Y2.4251.034+1.391
5Y2.6281.135+1.493
10Y2.3221.421+0.901
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2021-03-312022-03-312023-03-312024-03-312025-03-31
Other Current Liabilities  -2,111,530541,330-1,570,200228,990-1,341,210-599,380-1,940,5905,131,4603,190,870



6.2. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets1,328,595,910
Total Liabilities1,028,664,130
Total Stockholder Equity293,666,270
 As reported
Total Liabilities 1,028,664,130
Total Stockholder Equity+ 293,666,270
Total Assets = 1,328,595,910

Assets

Total Assets1,328,595,910
Total Current Assets83,578,750
Long-term Assets1,245,017,160
Total Current Assets
Cash And Cash Equivalents 83,460,180
Net Receivables 118,570
Total Current Assets  (as reported)83,578,750
Total Current Assets  (calculated)83,578,750
+/-0
Long-term Assets
Property Plant Equipment 6,465,870
Goodwill 299,960
Long Term Investments 28,532,990
Intangible Assets 57,140
Long-term Assets Other 1,236,180,930
Long-term Assets  (as reported)1,245,017,160
Long-term Assets  (calculated)1,271,536,890
+/- 26,519,730

Liabilities & Shareholders' Equity

Total Current Liabilities7,154,480
Long-term Liabilities1,021,509,650
Total Stockholder Equity293,666,270
Total Current Liabilities
Accounts payable 1,371,260
Other Current Liabilities 3,190,870
Total Current Liabilities  (as reported)7,154,480
Total Current Liabilities  (calculated)4,562,130
+/- 2,592,350
Long-term Liabilities
Long-term Liabilities  (as reported)1,021,509,650
Long-term Liabilities  (calculated)0
+/- 1,021,509,650
Total Stockholder Equity
Common Stock4,014,640
Other Stockholders Equity 289,651,630
Total Stockholder Equity (as reported)293,666,270
Total Stockholder Equity (calculated)293,666,270
+/-0
Other
Capital Stock4,014,640
Cash and Short Term Investments 83,460,180
Common Stock Shares Outstanding 401,483
Liabilities and Stockholders Equity 1,328,595,910
Net Debt 904,585,240
Net Invested Capital 1,281,570,590
Net Working Capital 76,424,270
Property Plant and Equipment Gross 6,465,870
Short Long Term Debt Total 988,045,420



6.3. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2025-03-312024-03-312023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-312006-03-31
> Total Assets 
9,405,240
16,092,080
22,857,650
37,600,430
64,401,410
139,664,125
233,722,019
294,162,655
255,938,740
269,961,915
273,947,531
321,841,420
336,717,980
417,347,990
548,816,920
686,414,350
763,164,740
801,489,200
964,694,200
1,328,595,910
1,328,595,910964,694,200801,489,200763,164,740686,414,350548,816,920417,347,990336,717,980321,841,420273,947,531269,961,915255,938,740294,162,655233,722,019139,664,12564,401,41037,600,43022,857,65016,092,0809,405,240
   > Total Current Assets 
8,799,760
15,264,950
21,629,800
36,259,890
62,818,490
134,370,076
229,861,589
25,767,738
32,492,742
29,168,735
23,175,061
28,604,444
9,653,257
20,056,620
58,347,650
77,775,200
100,358,140
77,701,830
62,720,020
83,578,750
83,578,75062,720,02077,701,830100,358,14077,775,20058,347,65020,056,6209,653,25728,604,44423,175,06129,168,73532,492,74225,767,738229,861,589134,370,07662,818,49036,259,89021,629,80015,264,9508,799,760
       Cash And Cash Equivalents 
369,280
563,208
2,580,380
8,825,320
5,759,920
13,754,950
6,271,009
13,419,980
20,489,260
17,571,212
8,488,753
15,787,037
8,889,297
22,046,620
59,544,590
79,115,330
102,292,610
80,356,590
60,373,450
83,460,180
83,460,18060,373,45080,356,590102,292,61079,115,33059,544,59022,046,6208,889,29715,787,0378,488,75317,571,21220,489,26013,419,9806,271,00913,754,9505,759,9208,825,3202,580,380563,208369,280
       Short-term Investments 
132,830
0
-5
-5
0
0
3,583,181
750,008
315,308
119,254
3,885
184,691
363,230
-1,990,000
-1,196,940
-1,340,130
-1,934,470
-2,654,760
2,870,670
0
02,870,670-2,654,760-1,934,470-1,340,130-1,196,940-1,990,000363,230184,6913,885119,254315,308750,0083,583,18100-5-50132,830
       Net Receivables 
0
0
0
0
0
3,468,661
7,411,504
11,515,689
11,651,038
11,550,052
14,682,423
12,817,407
541,440
689,740
1,563,870
1,577,920
1,690,840
98,950
1,418,860
118,570
118,5701,418,86098,9501,690,8401,577,9201,563,870689,740541,44012,817,40714,682,42311,550,05211,651,03811,515,6897,411,5043,468,66100000
       Other Current Assets 
8,430,480
14,701,740
19,049,420
27,434,570
57,058,570
117,146,465
213,599,700
82,062
37,136
47,471
-21,161
289,598,052
222,520
-22,695,190
-63,261,690
-82,996,900
-714,786,010
-723,481,480
590,300
0
0590,300-723,481,480-714,786,010-82,996,900-63,261,690-22,695,190222,520289,598,052-21,16147,47137,13682,062213,599,700117,146,46557,058,57027,434,57019,049,42014,701,7408,430,480
   > Long-term Assets 
605,480
827,130
1,227,850
1,340,530
1,582,910
2,839,923
3,860,429
281,567,723
235,803,216
252,593,027
267,298,317
3,638,924
331,989,423
2,663,930
3,267,120
3,516,710
3,847,350
4,448,120
912,710,920
1,245,017,160
1,245,017,160912,710,9204,448,1203,847,3503,516,7103,267,1202,663,930331,989,4233,638,924267,298,317252,593,027235,803,216281,567,7233,860,4292,839,9231,582,9101,340,5301,227,850827,130605,480
       Property Plant Equipment 
512,180
496,887
1,056,146
1,161,907
1,532,700
1,883,537
2,660,003
2,984,045
3,203,533
2,649,967
2,371,691
2,362,184
2,131,230
2,284,120
2,881,790
3,129,890
3,488,160
4,088,870
5,249,510
6,465,870
6,465,8705,249,5104,088,8703,488,1603,129,8902,881,7902,284,1202,131,2302,362,1842,371,6912,649,9673,203,5332,984,0452,660,0031,883,5371,532,7001,161,9071,056,146496,887512,180
       Goodwill 
0
0
0
0
0
0
0
0
0
42,191
35,780
211,495
212,160
299,960
299,960
299,960
299,960
299,960
299,960
299,960
299,960299,960299,960299,960299,960299,960299,960212,160211,49535,78042,191000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
353,750
83,071
347,157
965,326
1,655,663
2,751,820
9,919,880
12,622,100
8,645,350
8,910,120
11,260,840
28,532,990
28,532,99011,260,8408,910,1208,645,35012,622,1009,919,8802,751,8201,655,663965,326347,15783,071353,75000000000
       Intangible Assets 
0
0
0
0
0
2,205
22,257
46,128
66,333
65,239
51,764
99,919
108,000
79,850
85,370
86,860
59,230
59,290
62,000
57,140
57,14062,00059,29059,23086,86085,37079,850108,00099,91951,76465,23966,33346,12822,2572,20500000
       Long-term Assets Other 
122,910
330,243
171,704
178,623
75,050
954,181
199,223
-3,855,223
-3,623,616
-2,959,722
264,348,241
-3,638,924
-4,107,053
-2,663,930
-3,267,120
-3,516,710
-3,847,350
-4,448,120
898,709,280
1,236,180,930
1,236,180,930898,709,280-4,448,120-3,847,350-3,516,710-3,267,120-2,663,930-4,107,053-3,638,924264,348,241-2,959,722-3,623,616-3,855,223199,223954,18175,050178,623171,704330,243122,910
> Total Liabilities 
8,500,910
14,500,050
20,768,325
33,985,960
58,559,490
126,320,000
204,464,700
256,807,002
213,292,970
218,832,396
217,347,893
255,741,644
257,419,100
316,612,220
428,803,400
528,818,350
571,785,780
579,961,160
707,153,800
1,028,664,130
1,028,664,130707,153,800579,961,160571,785,780528,818,350428,803,400316,612,220257,419,100255,741,644217,347,893218,832,396213,292,970256,807,002204,464,700126,320,00058,559,49033,985,96020,768,32514,500,0508,500,910
   > Total Current Liabilities 
322,890
459,100
1,224,880
1,805,570
4,524,350
95,915,082
139,361,233
11,972,015
15,948,106
18,825,365
21,829,556
20,238,117
22,524,509
1,664,050
2,220,280
2,111,530
1,570,200
1,341,210
677,202,550
7,154,480
7,154,480677,202,5501,341,2101,570,2002,111,5302,220,2801,664,05022,524,50920,238,11721,829,55618,825,36515,948,10611,972,015139,361,23395,915,0824,524,3501,805,5701,224,880459,100322,890
       Short-term Debt 
1,359,120
4,451,760
5,852,760
11,068,930
21,915,070
93,548,733
133,361,961
0
194,847,540
50,934,059
135,015,763
1,626,350
57,533,680
211,107,850
216,255,040
284,317,820
305,772,730
351,071,090
678,591,460
0
0678,591,460351,071,090305,772,730284,317,820216,255,040211,107,85057,533,6801,626,350135,015,76350,934,059194,847,5400133,361,96193,548,73321,915,07011,068,9305,852,7604,451,7601,359,120
       Short Long Term Debt 
0
0
0
0
0
0
0
0
194,847,540
50,934,059
50,568,268
45,656,759
34,354,964
0
0
0
0
0
0
0
000000034,354,96445,656,75950,568,26850,934,059194,847,54000000000
       Accounts payable 
0
0
0
0
0
244,034
7,669,638
11,972,015
15,948,106
18,825,365
21,829,556
20,238,117
1,260,120
1,664,050
2,220,280
2,111,530
1,570,200
1,341,210
1,388,910
1,371,260
1,371,2601,388,9101,341,2101,570,2002,111,5302,220,2801,664,0501,260,12020,238,11721,829,55618,825,36515,948,10611,972,0157,669,638244,03400000
       Other Current Liabilities 
322,890
459,100
1,224,880
1,805,570
4,524,350
2,122,315
-4,544,338
-11,972,015
-15,948,106
-18,825,365
-21,829,556
-20,238,117
20,399,929
-1,664,050
-2,220,280
-2,111,530
-1,570,200
-1,341,210
-1,940,590
3,190,870
3,190,870-1,940,590-1,341,210-1,570,200-2,111,530-2,220,280-1,664,05020,399,929-20,238,117-21,829,556-18,825,365-15,948,106-11,972,015-4,544,3382,122,3154,524,3501,805,5701,224,880459,100322,890
   > Long-term Liabilities 
8,178,020
14,040,950
19,501,700
32,180,390
54,035,140
126,320,000
65,103,467
240,915,108
144,246,940
151,167,453
163,082,320
219,048,488
163,104,360
125,412,430
233,124,240
319,148,030
388,653,620
401,848,640
707,153,800
1,021,509,650
1,021,509,650707,153,800401,848,640388,653,620319,148,030233,124,240125,412,430163,104,360219,048,488163,082,320151,167,453144,246,940240,915,10865,103,467126,320,00054,035,14032,180,39019,501,70014,040,9508,178,020
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
54,265,572
220,439,980
236,254,220
298,656,130
406,959,560
501,564,140
543,450,720
554,722,490
0
0
00554,722,490543,450,720501,564,140406,959,560298,656,130236,254,220220,439,98054,265,5720000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
8,993,810
12,090,378
11,277,415
6,816,744
2,300,590
2,435,300
3,714,480
3,699,960
4,539,260
6,608,930
0
0
006,608,9304,539,2603,699,9603,714,4802,435,3002,300,5906,816,74411,277,41512,090,3788,993,81000000000
> Total Stockholder Equity
904,330
1,592,030
2,234,485
3,614,470
5,841,920
13,344,125
29,257,319
37,355,652
42,645,762
50,840,218
56,222,873
65,380,396
78,565,750
99,312,000
118,292,100
155,750,250
187,857,240
216,657,520
251,072,070
293,666,270
293,666,270251,072,070216,657,520187,857,240155,750,250118,292,10099,312,00078,565,75065,380,39656,222,87350,840,21842,645,76237,355,65229,257,31913,344,1255,841,9203,614,4702,234,4851,592,030904,330
   Common Stock
39,970
50,000
50,000
490,000
3,010,000
3,202,128
3,717,128
3,717,128
3,717,128
3,979,664
3,990,023
3,994,755
4,000,410
4,006,610
4,010,370
4,011,960
4,013,450
4,014,480
4,014,620
4,014,640
4,014,6404,014,6204,014,4804,013,4504,011,9604,010,3704,006,6104,000,4103,994,7553,990,0233,979,6643,717,1283,717,1283,717,1283,202,1283,010,000490,00050,00050,00039,970
   Retained Earnings 
701,440
1,052,040
1,555,500
1,918,750
1,841,790
0
9,569,276
13,687,641
9,901,776
8,742,191
8,873,816
10,808,411
34,145,690
21,828,500
34,008,940
64,000,770
88,039,640
109,953,230
135,089,680
0
0135,089,680109,953,23088,039,64064,000,77034,008,94021,828,50034,145,69010,808,4118,873,8168,742,1919,901,77613,687,6419,569,27601,841,7901,918,7501,555,5001,052,040701,440
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
14,665,742
0
14,797,040
14,890,410
14,968,790
15,016,440
15,063,700
15,100,290
0
0
0015,100,29015,063,70015,016,44014,968,79014,890,41014,797,040014,665,7420000000000
   Treasury Stock00000000000000000000
   Other Stockholders Equity 
162,920
489,990
628,985
1,205,720
990,130
10,141,997
16,924,182
21,352,497
20,581,798
-9,015,800
1,490,239
54,383,427
-42,629,560
-49,132,300
-67,566,380
-48,984,330
-72,975,940
-94,852,940
75,875,830
289,651,630
289,651,63075,875,830-94,852,940-72,975,940-48,984,330-67,566,380-49,132,300-42,629,56054,383,4271,490,239-9,015,80020,581,79821,352,49716,924,18210,141,997990,1301,205,720628,985489,990162,920



6.4. Balance Sheets

Currency in INR. All numbers in thousands.




6.5. Cash Flows

Currency in INR. All numbers in thousands.




6.6. Income Statements

Currency in INR. All numbers in thousands.


6.7. Latest Income Statement

Income Statement (annual), 2025-03-31. Currency in INR. All numbers in thousands.

Gross Profit (+$)
totalRevenue203,244,860
Cost of Revenue-74,123,020
Gross Profit129,121,840129,121,840
 
Operating Income (+$)
Gross Profit129,121,840
Operating Expense-56,461,780
Operating Income72,660,06072,660,060
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense56,461,7800
 
Net Interest Income (+$)
Interest Income196,628,840
Interest Expense-74,123,020
Other Finance Cost-0
Net Interest Income122,505,820
 
Pretax Income (+$)
Operating Income72,660,060
Net Interest Income122,505,820
Other Non-Operating Income Expenses0
Income Before Tax (EBT)72,660,06088,419,250
EBIT - interestExpense = -1,462,960
72,465,450
127,452,020
Interest Expense74,123,020
Earnings Before Interest and Taxes (EBIT)72,660,060146,783,080
Earnings Before Interest and Taxes (EBITDA)73,819,930
 
After tax Income (+$)
Income Before Tax72,660,060
Tax Provision-19,136,450
Net Income From Continuing Ops53,523,61053,523,610
Net Income53,329,000
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses130,584,800
Total Other Income/Expenses Net-15,759,190-122,505,820
 

Technical Analysis of Muthoot Finance Limited
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Muthoot Finance Limited. The general trend of Muthoot Finance Limited is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Muthoot Finance Limited's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Muthoot Finance Limited Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Muthoot Finance Limited.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 2,670.

The bearish price targets are: 2,406 > 2,372 > 2,341.

Know someone who trades $MUTHOOTFIN? Share this with them.πŸ‘‡

Muthoot Finance Limited Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Muthoot Finance Limited. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Muthoot Finance Limited Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Muthoot Finance Limited. The current macd is 90.99.

The long score for the Moving Average Convergence/Divergence (MACD) is 1/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -2/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Muthoot Finance Limited price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Muthoot Finance Limited. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Muthoot Finance Limited price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Muthoot Finance Limited Daily Moving Average Convergence/Divergence (MACD) ChartMuthoot Finance Limited Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Muthoot Finance Limited. The current adx is 32.94.

The long score for the Directional Movement Index (DMI) is 3/7.
The longshort score for the Directional Movement Index (DMI) is 3/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Muthoot Finance Limited shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending down: The ADX is above 25 and indicates a strong bullish trend. The ADX is declining, the bullish trend is weakening. Could be a potential reversal to the downside. +2
Muthoot Finance Limited Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Muthoot Finance Limited. The current sar is 2,516.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Muthoot Finance Limited Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Muthoot Finance Limited. The current rsi is 70.24. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 0/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending up: The RSI is trending up. +1
Muthoot Finance Limited Daily Relative Strength Index (RSI) ChartMuthoot Finance Limited Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Muthoot Finance Limited. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Muthoot Finance Limited price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Muthoot Finance Limited Daily Stochastic Oscillator ChartMuthoot Finance Limited Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Muthoot Finance Limited. The current cci is 70.18.

Muthoot Finance Limited Daily Commodity Channel Index (CCI) ChartMuthoot Finance Limited Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Muthoot Finance Limited. The current cmo is 44.05.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Muthoot Finance Limited Daily Chande Momentum Oscillator (CMO) ChartMuthoot Finance Limited Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Muthoot Finance Limited. The current willr is -19.40298507.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Muthoot Finance Limited Daily Williams %R ChartMuthoot Finance Limited Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of Muthoot Finance Limited.

Muthoot Finance Limited Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Muthoot Finance Limited. The current atr is 68.19.

Muthoot Finance Limited Daily Average True Range (ATR) ChartMuthoot Finance Limited Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Muthoot Finance Limited. The current obv is 59,362,334.

Muthoot Finance Limited Daily On-Balance Volume (OBV) ChartMuthoot Finance Limited Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Muthoot Finance Limited. The current mfi is 60.55.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Muthoot Finance Limited Daily Money Flow Index (MFI) ChartMuthoot Finance Limited Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Muthoot Finance Limited.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-06STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-10MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-11SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-02-12DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-02-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-14STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-18MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-19MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-20CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-02-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-02-24SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-02-27STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-28DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-04STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-05STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-06STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-10DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-03-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-17MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-19ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-20RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-28STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-03STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-04STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-11WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-16STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-21CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-28STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-02CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-05-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-07CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-08STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-12STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-05-13STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-14STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-15MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-16CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-05-20BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-05-21STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-23STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-26STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-27STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-28STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-29STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-03WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-06-04CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-06-06BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-06-09ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-10STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-13STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-18STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-24SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-06-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-06-30SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-01WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside

6.3. Candlestick Patterns

Muthoot Finance Limited Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Muthoot Finance Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5070.237
Ma 20Greater thanMa 502,555.635
Ma 50Greater thanMa 1002,319.682
Ma 100Greater thanMa 2002,266.064
OpenGreater thanClose2,625.000
Total4/5 (80.0%)
Penke
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