MUTHOOTCAP · Muthoot Capital Services Ltd · Consumer Financial Services
MUTHOOTCAP · Muthoot Capital Services Ltd · Consumer Financial Services
As of 06 Nov close
52-week range
35.6% below 52-week high
52-week range: as of 06 Nov 2026 close.
Price chartDaily closes on the stock page.
Weighted combination of 8 measured readings. Not a probability, a rating or a forecast.
Full signal detail →Fundamentals as of 15 Sep 2026 · the company's own latest record is 53 days old
Revenue (latest Q)
₹156 Cr
Revenue YoY
PAT YoY
+273.9%
Operating margin
Revenue, last 8 quarters
P/E (TTM)
P/B
0.6
P/S (TTM)
0.6
Sector P/E
24.3
Dividend yield
0.0%
| Company | P/E | P/B | Net margin | ROE | D/E | Div. yield |
|---|---|---|---|---|---|---|
| MUTHOOTCAP (this stock) | 13.9 | 0.6 | +3.8% | +3.6% | 4.94 | 0.0% |
| Bajaj Finance | 30.8 | 5.7 | +23.8% | +17.8% | 3.22 | +0.5% |
| Shriram Finance | 18.4 | 3.6 | +22.8% | +17.2% | 3.8 | +1.1% |
| Jio Financial Services | 93.9 | 1.1 | +49.8% | Not available from data source | 11.81 | +0.2% |
Promoter
stable
FII
falling 3q
MF
3.07% (-2.90pp)
falling 3q
Insider trades
No insider trades in the last 12 months.
Bulk/block deals
No bulk/block deals in the last 12 months.
News timeline
No related news.
Concalls & investor presentations
AI-generatedKey takeaway: Muthoot Capital Services Limited held its Q1 FY27 earnings conference call on July 17, 2026, where management highlighted key achievements, including a CRISIL rating upgrade to AA- stable, the crossing of INR100 crores in public deposits, and a reduction in gross non-performing assets (GNPA) to 3.94%. CEO Mathews Markose noted that the company focused on maintaining asset quality while pursuing growth, with a disciplined credit acceptance ratio of 35-40%. CFO Ramandeep Gill reported a significant increase in the retail portfolio to INR2,851 crores, while co-lending decreased to INR499 crores. The company emphasized its investment in technology, particularly AI, to enhance operations. Management set a goal of reaching an AUM of INR4,000-4,200 crores for FY27 and a pretax return on assets (ROA) of around 2.5%. The call concluded with a Q&A session addressing various operational and financial queries.
Management emphasized significant achievements and a strong focus on growth and asset quality.
Sourced from an exchange-filed transcript, dated 20 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Muthoot Capital Services Limited (MCSL) provided an investor presentation for the quarter ended June 30, 2026. The presentation highlighted MCSL's status as a Non-Banking Finance Company (NBFC) and its recognition as a leading automobile finance provider in India. The company's total Assets Under Management (AUM) reached ₹3,379 crore, reflecting a 4% year-over-year growth. The retail portfolio constituted 84% of the total AUM, with a year-over-year increase of 23%. The presentation reported a Gross Non-Performing Asset (GNPA) ratio of 3.94%, a decrease of 182 basis points from the previous year. MCSL's disbursements for the quarter were ₹534 crore, showing a 5% increase from the previous quarter. The company maintained a stable portfolio yield of 21% and reported a profit after tax (PAT) of ₹7.95 crore, which was a 58% increase quarter-over-quarter. The document also detailed the company's strategic partnerships and liquidity position.
Management emphasized growth in AUM and profitability.
Sourced from an exchange-filed presentation, dated 16 Jul 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Muthoot Capital Services Limited held its Q4 FY '26 earnings conference call on May 11, 2026, where management discussed the company's performance amidst a challenging macroeconomic environment. CEO Mathews Markose highlighted a calibrated growth strategy, achieving an AUM of INR 3,500 crores, with significant contributions from commercial vehicles and used car financing. The company focused on digital transformation, implementing AI-driven processes across various functions. CFO Ramandeep Gill provided insights into asset quality, reporting a GNPA of 6.41% and emphasizing a reduction in slippages. Management acknowledged the need for prudent risk management while expressing optimism about long-term opportunities in India's mobility financing sector. They outlined a goal of INR 3,000 crores in disbursements for the upcoming year, aiming for deeper market penetration and continued investment in technology. The call concluded with management inviting further discussions with investors to address concerns and showcase improvements.
Management reported growth and strategic advancements while acknowledging challenges in profitability and asset quality.
Sourced from an exchange-filed transcript, dated 13 May 2026. Summary is RedixFi-generated and distinct from investment advice.
Key takeaway: Muthoot Capital Services Limited (MCSL) provided an investor presentation for the quarter and financial year ended March 31, 2026. The presentation highlighted MCSL's status as a Non-Banking Finance Company (NBFC) registered with the Reserve Bank of India, emphasizing its establishment in 1994 and recognition in the automobile finance sector. Key financial metrics included a balance sheet size of ₹4,056 crore and a debt-equity ratio of 4.94x. The company reported a gross non-performing asset (GNPA) ratio of 6.41% and a net non-performing asset (NNPA) ratio of 3.50%. MCSL's total disbursements for FY 26 reached ₹2,349 crore, with a quarterly disbursement of ₹569 crore in Q4 FY 26. The presentation also noted a CRISIL rating of A+ and highlighted the company's partnerships and borrowing profile, which included significant sanctions from public sector banks.
The presentation provided a balanced overview of financial performance and operational metrics.
Sourced from an exchange-filed presentation, dated 08 May 2026. Summary is RedixFi-generated and distinct from investment advice.
AI Summary of Annual Report
AI-generatedMuthoot Capital Services Limited (MUTHOOTCAP) reported no defaults in loan repayments or statutory dues during FY2025-26, maintaining compliance with RBI and SEBI regulations. The company faced no material legal or regulatory actions, and its internal controls were deemed effective. Key audit matters included impairment loss allowances under Ind AS 109, reflecting complex credit risk assessments. The Board noted no significant adverse environmental impacts, and the company generated no Green Credits. Strategic focus remained on risk management and sustainable growth.
- No defaults in loan repayments or statutory dues during FY2025-26.
- Effective internal controls and compliance with RBI/SEBI regulations.
- Key audit matter: Impairment loss allowances under Ind AS 109 due to complex credit risk assessments.
- No material legal, regulatory, or environmental risks reported.
- No Green Credits generated, and no significant adverse environmental impact noted.
Key takeaway: Muthoot Capital Services Limited maintained strong compliance, no defaults, and effective risk management in FY2025-26, with key audit focus on credit risk assessments.
The following annual report excerpts provide qualitative strategic context. Do not treat any specific financial figures in these excerpts as authoritative — they may be incorrectly labeled due to PDF table extraction limitations. For precise financial data, refer to the structured fundamentals data above.
Governance disclosures
AI-generatedNeeds attention
Regulatory Action (2 items); Investigation or enforcement mention (1 item)
Items of these kinds are disclosed in the filings. This is a count of disclosed items. It is not a finding about the company and its cause has not been independently established.
Regulatory Action
2 occurrencesRecent (last 12 months)
BSE Limited took action against the company for a delay in disclosing the extent and nature of security created and maintained with respect to its secured listed non-convertible debt securities for the quarter ended.
Earlier (1-3 years ago)
The company was fined by National Stock Exchange of India Limited and BSE Limited for delays in submitting related party transaction disclosures and other regulatory filings, with total fines amounting to INR 1,60,000, INR 31,000, INR 2,67,860, and INR 1,43,960, which were paid by the company.
Investigation or enforcement mention
1 occurrenceRecent (last 12 months)
The company has disclosed cases of fraud involving cheating by concealment of facts, forgery with intent to commit fraud, and misappropriation of funds and criminal breach of trust. However, no penalties have been imposed by statutory authorities for the financial years ending 31 March 2026 and 2025.
Routine disclosures
Related-Party Transaction
2 occurrencesRecent (last 12 months)
BSE Limited was fined ₹15,000/- for delay in submission of related party transaction disclosures for the half year ended March 31, within the due date.
Earlier (1-3 years ago)
The company sought shareholder approval for Related Party Transactions as an Ordinary resolution during the financial year 2024-25.
Statutory dues in dispute
1 occurrenceRecent (last 12 months)
The company has disputes over service tax under the Finance Act 1994 for FY 2012-13 to 2017-18 pending before the Commissioner (Appeals), Central Tax & Central Excise.