Muthoot Finance Limited
Muthoot Finance Limited, a non-banking financing company, provides gold loans in India. The company offers various loans, including personal, small and corporate business, SME, and vehicle, as well as loans against property; insurance products, such as health, home, vehicle, life, travel, shop, and group; housing and micro finance; and mutual funds. It also provides gold flexi credit; PAN card; m… Read more
Muthoot Finance Limited (MUTHOOTFIN) - Net Assets
Latest net assets as of December 2025: ₹362.18 Billion INR
Based on the latest financial reports, Muthoot Finance Limited (MUTHOOTFIN) has net assets worth ₹362.18 Billion INR as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹1.80 Trillion) and total liabilities (₹1.44 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹362.18 Billion |
| % of Total Assets | 20.1% |
| Annual Growth Rate | 35.73% |
| 5-Year Change | 90.32% |
| 10-Year Change | 429.92% |
| Growth Volatility | 34.62 |
Muthoot Finance Limited - Net Assets Trend (2006–2025)
This chart illustrates how Muthoot Finance Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Muthoot Finance Limited (2006–2025)
The table below shows the annual net assets of Muthoot Finance Limited from 2006 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹299.93 Billion | +16.46% |
| 2024-03-31 | ₹257.54 Billion | +16.26% |
| 2023-03-31 | ₹221.53 Billion | +15.75% |
| 2022-03-31 | ₹191.38 Billion | +21.44% |
| 2021-03-31 | ₹157.60 Billion | +31.32% |
| 2020-03-31 | ₹120.01 Billion | +19.14% |
| 2019-03-31 | ₹100.74 Billion | +27.03% |
| 2018-03-31 | ₹79.30 Billion | +19.97% |
| 2017-03-31 | ₹66.10 Billion | +16.78% |
| 2016-03-31 | ₹56.60 Billion | +10.70% |
| 2015-03-31 | ₹51.13 Billion | +19.89% |
| 2014-03-31 | ₹42.65 Billion | +14.16% |
| 2013-03-31 | ₹37.36 Billion | +27.68% |
| 2012-03-31 | ₹29.26 Billion | +119.25% |
| 2011-03-31 | ₹13.34 Billion | +128.42% |
| 2010-03-31 | ₹5.84 Billion | +61.63% |
| 2009-03-31 | ₹3.61 Billion | +73.00% |
| 2008-03-31 | ₹2.09 Billion | +31.24% |
| 2007-03-31 | ₹1.59 Billion | +76.05% |
| 2006-03-31 | ₹904.33 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Muthoot Finance Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 23844.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹167.96 Billion | 57.19% |
| Common Stock | ₹4.01 Billion | 1.37% |
| Other Comprehensive Income | ₹106.57 Billion | 36.29% |
| Other Components | ₹15.13 Billion | 5.15% |
| Total Equity | ₹293.67 Billion | 100.00% |
Muthoot Finance Limited Competitors by Market Cap
The table below lists competitors of Muthoot Finance Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Chandra Asri Petrochemical Tbk
JK:TPIA
|
$3.26 Billion |
|
Yes Bank Limited
NSE:YESBANK
|
$3.26 Billion |
|
Delivery Hero AG
LSE:0RTC
|
$3.27 Billion |
|
Ubiquiti Networks Inc
NYSE:UI
|
$3.27 Billion |
|
Box Inc
NYSE:BOX
|
$3.26 Billion |
|
Sinopharm Group Co. Ltd
F:X2S
|
$3.26 Billion |
|
Acer Incorporated
PINK:ACEYY
|
$3.26 Billion |
|
CyberAgent Inc
F:CL2
|
$3.26 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Muthoot Finance Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 251,072,070,000 to 293,666,270,000, a change of 42,594,200,000 (17.0%).
- Net income of 53,329,000,000 contributed positively to equity growth.
- Dividend payments of 9,648,050,000 reduced retained earnings.
- Share repurchases of 110,000 reduced equity.
- New share issuances of 110,000 increased equity.
- Other comprehensive income increased equity by 70,474,170,000.
- Other factors decreased equity by 71,560,920,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹53.33 Billion | +18.16% |
| Dividends Paid | ₹9.65 Billion | -3.29% |
| Share Repurchases | ₹110.00K | -0.0% |
| Share Issuances | ₹110.00K | +0.0% |
| Other Comprehensive Income | ₹70.47 Billion | +24.0% |
| Other Changes | ₹-71.56 Billion | -24.37% |
| Total Change | ₹- | 16.96% |
Book Value vs Market Value Analysis
This analysis compares Muthoot Finance Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 4.56x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 1370.07x to 4.56x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2006-03-31 | ₹2.43 | ₹3333.20 | x |
| 2007-03-31 | ₹4.28 | ₹3333.20 | x |
| 2008-03-31 | ₹6.01 | ₹3333.20 | x |
| 2009-03-31 | ₹12.90 | ₹3333.20 | x |
| 2010-03-31 | ₹15.72 | ₹3333.20 | x |
| 2011-03-31 | ₹35.90 | ₹3333.20 | x |
| 2012-03-31 | ₹79.67 | ₹3333.20 | x |
| 2013-03-31 | ₹100.50 | ₹3333.20 | x |
| 2014-03-31 | ₹114.73 | ₹3333.20 | x |
| 2015-03-31 | ₹127.38 | ₹3333.20 | x |
| 2016-03-31 | ₹139.57 | ₹3333.20 | x |
| 2017-03-31 | ₹163.19 | ₹3333.20 | x |
| 2018-03-31 | ₹195.94 | ₹3333.20 | x |
| 2019-03-31 | ₹247.66 | ₹3333.20 | x |
| 2020-03-31 | ₹294.76 | ₹3333.20 | x |
| 2021-03-31 | ₹387.92 | ₹3333.20 | x |
| 2022-03-31 | ₹467.93 | ₹3333.20 | x |
| 2023-03-31 | ₹539.68 | ₹3333.20 | x |
| 2024-03-31 | ₹625.35 | ₹3333.20 | x |
| 2025-03-31 | ₹731.45 | ₹3333.20 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Muthoot Finance Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.16%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.32%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 4.52x
- Recent ROE (18.16%) is below the historical average (23.95%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2006 | 29.73% | 41.48% | 0.07x | 10.40x | ₹178.43 Million |
| 2007 | 27.55% | 43.90% | 0.06x | 10.11x | ₹279.36 Million |
| 2008 | 28.22% | 35.08% | 0.08x | 10.23x | ₹407.20 Million |
| 2009 | 27.08% | 31.59% | 0.08x | 10.40x | ₹617.24 Million |
| 2010 | 39.12% | 48.24% | 0.07x | 11.02x | ₹1.70 Billion |
| 2011 | 37.03% | 21.34% | 0.17x | 10.47x | ₹3.61 Billion |
| 2012 | 30.49% | 19.61% | 0.19x | 7.99x | ₹5.99 Billion |
| 2013 | 26.88% | 18.64% | 0.18x | 7.87x | ₹6.31 Billion |
| 2014 | 18.29% | 15.78% | 0.19x | 6.00x | ₹3.54 Billion |
| 2015 | 13.20% | 15.47% | 0.16x | 5.31x | ₹1.63 Billion |
| 2016 | 14.49% | 16.49% | 0.18x | 4.87x | ₹2.52 Billion |
| 2017 | 18.35% | 20.20% | 0.18x | 4.92x | ₹5.46 Billion |
| 2018 | 23.29% | 26.98% | 0.20x | 4.29x | ₹10.44 Billion |
| 2019 | 20.92% | 27.39% | 0.18x | 4.20x | ₹10.85 Billion |
| 2020 | 26.53% | 32.37% | 0.18x | 4.64x | ₹19.55 Billion |
| 2021 | 24.43% | 32.93% | 0.17x | 4.41x | ₹22.47 Billion |
| 2022 | 21.38% | 32.88% | 0.16x | 4.06x | ₹21.38 Billion |
| 2023 | 16.67% | 30.31% | 0.15x | 3.70x | ₹14.46 Billion |
| 2024 | 17.22% | 28.66% | 0.16x | 3.84x | ₹18.14 Billion |
| 2025 | 18.16% | 26.32% | 0.15x | 4.52x | ₹23.96 Billion |
Industry Comparison
This section compares Muthoot Finance Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $29,648,174,333
- Average return on equity (ROE) among peers: 5.09%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Muthoot Finance Limited (MUTHOOTFIN) | ₹362.18 Billion | 29.73% | 3.98x | $3.26 Billion |
| Akme Fintrade India Ltd (AFIL) | $1.37 Billion | 3.01% | 1.73x | $13.99 Million |
| Arman Financial Services Limited (ARMANFIN) | $78.33 Million | 10.06% | 2.58x | $94.77 Million |
| Baid Finserv Limited (BAIDFIN) | $1.38 Billion | 5.44% | 1.30x | $4.92 Million |
| Bajaj Finance Limited (BAJFINANCE) | $9.96 Billion | 4.78% | 2.56x | $26.81 Billion |
| Capital Trust Limited (CAPTRUST) | $1.20 Billion | -9.01% | 1.95x | $596.12K |
| Capri Global Capital Limited (CGCL) | $43.04 Billion | 11.12% | 3.84x | $561.11 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $221.24 Billion | 8.01% | 7.00x | $1.79 Billion |
| Capital India Finance Limited (CIFL) | $6.60 Billion | 1.77% | 1.73x | $2.74K |
| CP Capital Limited (CPCAP) | $4.72 Billion | 4.81% | 0.10x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $729.64 Million |