Muthoot Finance - Public Comps and Valuation Multiples

Muthoot Finance Overview

About Muthoot Finance

Muthoot Finance Ltd is a non-deposit-taking, non-banking financial company with thousands of branches in India. The company's main business is providing personal and business loans to individuals who do not have access to formal credit. The loans are typically secured by gold jewelry. The company also offers some microfinance loans and housing loans to customer segments and areas that are underserved by banks. Interest income accounts for nearly all the company's revenue. It has operations in Sri Lanka and India, with India providing almost all the company's revenue.

Founded

1997

HQ

Employees

29.2K+

Website

muthootfinance.com

Sectors

Lending Solutions
FinTech

Financials

LTM Revenue $1.8B

LTM EBITDA $984M

EV

$27.9B

Valuation Multiples

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Muthoot Finance Financials

As of September 2025, Muthoot Finance reported last 12-month revenue of $1.8B and EBITDA of $984M.

In the same period, Muthoot Finance achieved $734M in LTM net income.

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Muthoot Finance P&L

In the most recent fiscal year, Muthoot Finance reported revenue of $1.4B.

Muthoot Finance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$1.8B	XXX	$1.4B	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	$984M	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	56%	XXX	n/a	XXX	XXX	XXX
EBIT	$1.0B	XXX	n/a	XXX	XXX	XXX
EBIT Margin	60%	XXX	n/a	XXX	XXX	XXX
Net Profit	$734M	XXX	$601M	XXX	XXX	XXX
Net Margin	42%	XXX	41%	XXX	XXX	XXX
Net Debt	XXX	XXX	$10.2B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Muthoot Finance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $1.8B. EBITDA for the last twelve months was $984M.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$1.8B	Analyst estimates available to subscribers	$1.4B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$984M	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	56.2% EBITDA margin	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$1.0B	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	59.6% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$734M	Analyst estimates available to subscribers	$601M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	41.9% net profit margin	Analyst estimates available to subscribers	41.5% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$10.2B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Muthoot Finance

This financial data table provides comprehensive performance metrics for Muthoot Finance, a company based in India. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Muthoot Finance generated $1.8B in revenue over the last twelve months.
The company achieved $984M in EBITDA over the last twelve months.
Net income over the last twelve months reached $734M.

Fiscal Year Performance

In the most recent fiscal year, Muthoot Finance reported $1.4B in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 41.5% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Muthoot Finance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Muthoot Finance Stock Performance

Muthoot Finance has current market cap of INR 1.34T (or $15.1B), and EV of INR 2.47T (or $27.9B).

Market Cap Evolution

Muthoot Finance Stock Data

As of October 17, 2025, Muthoot Finance's stock price is INR 3333 (or $38).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$27.9B	$15.1B	XXX	XXX	XXX	XXX	$1.82

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Muthoot Finance Valuation Multiples

Muthoot Finance's trades at 20.5x EV/Revenue multiple, and n/a EV/EBITDA.

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Muthoot Finance Financial Valuation Multiples

As of October 17, 2025, Muthoot Finance has market cap of $15.1B and EV of $27.9B.

Equity research analysts estimate Muthoot Finance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Muthoot Finance has a P/E ratio of 20.6x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$15.1B	XXX	$15.1B	XXX	XXX	XXX
EV (current)	$27.9B	XXX	$27.9B	XXX	XXX	XXX
EV/Revenue	15.9x	XXX	20.5x	XXX	XXX	XXX
EV/EBITDA	28.3x	XXX	n/a	XXX	XXX	XXX
EV/EBIT	26.7x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	20.6x	XXX	26.3x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-10.5x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Muthoot Finance Margins & Growth Rates

Muthoot Finance's last 12 month revenue growth is -1%

Muthoot Finance's revenue per employee in the last FY averaged $50K, while opex per employee averaged $15K for the same period.

Muthoot Finance's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Muthoot Finance's rule of X is 54% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Muthoot Finance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	-1%	XXX	14%	XXX	XXX	XXX
EBITDA Margin	56%	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	28%	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	54%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$50K	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$15K	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	3%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	31%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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