Muthoot Finance Limited
Financial trend (100/100) does the heavy lifting; momentum (37/100) is the drag.
Buy zoneMuthoot Finance Limited earns a Strong Buy from StocksWizard, with a blended score of 75/100. We put fair value near ₹5,947.24; at ₹3,119.6 that leaves roughly 91% upside, so the stock screens undervalued by 91%. On 11.9x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 23% below its 52-week high of ₹4,057.39 and 25% above the low of ₹2,488.86. Financial health scores 100/100, with a Piotroski F-score of 2/9. The average analyst target of ₹3,836 implies about 23% upside across 21 analysts. It clears 8 of 12 investability checks, with durability 80, valuation 60 and momentum 37 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹4,757.79. Low-confidence estimate — limited data.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-23.11% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Strong Buy75Piotroski F-score 2/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 30.4%
- Fail: Low debt (D/E < 0.5): 3.80x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 54%
- Pass: Earnings growing: 127%
- Pass: Net margin ≥ 10%: 55.2%
- Pass: Current ratio > 1.5: 128.29
- Pass: Below our fair value
- Pass: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 2/9
Quarterly results
Annual financials
Shareholding
- Promoter73.4%
- Institutions16.6%
- Public & other10.1%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Strong return on equity (30.4%).
- Healthy profit margin (55.2%).
Opportunities
- Earnings growing (127% YoY).
- Revenue growing (54% YoY).
- Trading in our value buy zone versus sector peers.
- Trades ~91% below our estimated fair value.
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (2/9).
About Muthoot Finance Limited
Muthoot Finance Limited operates as a non-banking finance company offering gold loans alongside personal, business, SME, vehicle, and property-backed loans in India. The company provides insurance products including health, home, vehicle, life, travel, and group coverage, as well as housing finance, microfinance, mutual funds, gold flexi credit, money transfer services, and national pension scheme products.
Muthoot Finance Limited — frequently asked questions
Is Muthoot Finance Limited a buy, hold or sell?
StocksWizard currently rates Muthoot Finance Limited (MUTHOOTFIN) a Strong Buy, based on a blended score of 75/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Muthoot Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates Muthoot Finance Limited's fair value at about ₹5,947.24, versus a current price of ₹3,119.6 — roughly 91% upside. On that basis the stock looks undervalued by 91%.
Is Muthoot Finance Limited financially healthy?
Muthoot Finance Limited scores 100/100 on our financial-health model, with a Piotroski F-score of 2/9.
How has Muthoot Finance Limited's share price performed?
Muthoot Finance Limited is down 9% over three months, and last traded at ₹3,119.6. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.