Muthoot Finance Ltd
NSE:MUTHOOTFIN
Intrinsic Value
Muthoot Finance Ltd. engages in the provision of personal and business loans secured by gold jewelry or gold loans. [ Read More ]
The intrinsic value of one
MUTHOOTFIN
stock under the Base Case scenario is
1 876.29
INR.
Compared to the current market price of 1 677.2 INR,
Muthoot Finance Ltd
is
Undervalued by 11%.
MUTHOOTFIN could be a value trap.A value trap occurs when a stock looks inexpensive based on fundamental analysis but fails to reach its intrinsic valuation over time, often due to underlying issues not reflected in quantitative data.
Scrutinize beyond numbers; assess long-term potential.
Muthoot Finance Ltd's market capitalization is 673.3B INR.
MUTHOOTFIN stock price is 1 677.2 INR.
MUTHOOTFIN stock price (1677.2 INR) is 11% less than its Intrinsic Value (1 876.29 INR).
MUTHOOTFIN stock (1 394.6 INR) is 17% less than its price (1677.2 INR). Open DCF Valuation
MUTHOOTFIN stock price (1677.2 INR) is 29% less than its Relative Value (2 357.98 INR). Open Relative Valuation
MUTHOOTFIN has downside potential of 3% compared to the average analyst price target.
Open Wall St Estimates
MUTHOOTFIN's ROIC (Return on Invested Capital) has decreased in the last 3 years from 7% to 6%.
MUTHOOTFIN's ROIC (Return on Invested Capital) for the past 12 months is positive and is equal to 6%.
MUTHOOTFIN's Revenue is forecast to fall at a rate of 5% per year over the next 3 years.
MUTHOOTFIN's Revenue has grown by an exceptional 22% over the past 12 months.
MUTHOOTFIN's ROE (Return on Equity) for the past 12 months is positive and is equal to 19%.
MUTHOOTFIN's Revenue has been growing by 9% per year for the last 3 years.
MUTHOOTFIN's long-term assets (929B INR) exceed its long-term liabilties (689B INR).
MUTHOOTFIN's ROE (Return on Equity) has decreased in the last 3 years from 28% to 19%.
MUTHOOTFIN has positive three-year average ROIC (Return on Invested Capital): 6%. The company is efficient at using invested capital to generate operating income.
MUTHOOTFIN has positive Net Income for the last twelve months.
MUTHOOTFIN has positive three-year average ROE (Return on Equity): 23%. The company is efficient at transforming stockholders' equity into net income.
MUTHOOTFIN has positive Operating Income for the last twelve months.
MUTHOOTFIN has positive Gross Profit for the last twelve months.
MUTHOOTFIN's D/E (Debt to Equity) is very high and is equal to 2.74.
MUTHOOTFIN has negative Free Cash Flow for the last twelve months.
MUTHOOTFIN's Altman Z-Score is very low and is equal to 1.23.
MUTHOOTFIN has positive Net Debt. This means that the company has more debt (657B INR) than cash and short-term investments (91B INR).
MUTHOOTFIN's short-term assets (92B INR) exceed its short-term liabilties (6B INR).
MUTHOOTFIN generates enough operating income (60B INR) to cover interest payments on its debt (54B INR).
Valuation Backtest
Muthoot Finance Ltd
Run backtest to discover the historical profit from buying and selling
MUTHOOTFIN
stocks based on their intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
Muthoot Finance Ltd
Balance Sheet Decomposition
Muthoot Finance Ltd
| Current Assets | 91.7B |
| Cash & Short-Term Investments | 91B |
| Receivables | 759.9m |
| Non-Current Assets | 837.5B |
| Long-Term Investments | 12.4B |
| PP&E | 5.1B |
| Intangibles | 359.2m |
| Other Non-Current Assets | 819.6B |
| Current Liabilities | 5.6B |
| Accounts Payable | 1.5B |
| Other Current Liabilities | 4.1B |
| Non-Current Liabilities | 683.4B |
| Long-Term Debt | 657.3B |
| Other Non-Current Liabilities | 26.1B |
Earnings Waterfall
Muthoot Finance Ltd
|
Revenue
|
141.1B
INR
|
|
Cost of Revenue
|
-50.7B
INR
|
|
Gross Profit
|
90.4B
INR
|
|
Operating Expenses
|
-30.1B
INR
|
|
Operating Income
|
60.3B
INR
|
|
Other Expenses
|
-18.7B
INR
|
|
Net Income
|
41.6B
INR
|
Free Cash Flow Analysis
Muthoot Finance Ltd
MUTHOOTFIN Profitability Score
Profitability Due Diligence
Muthoot Finance Ltd's profitability score is 55/100. The higher the profitability score, the more profitable the company is.
Score
Muthoot Finance Ltd's profitability score is 55/100. The higher the profitability score, the more profitable the company is.
MUTHOOTFIN Solvency Score
Solvency Due Diligence
Muthoot Finance Ltd's solvency score is 32/100. The higher the solvency score, the more solvent the company is.
Score
Muthoot Finance Ltd's solvency score is 32/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
MUTHOOTFIN Price Targets Summary
Muthoot Finance Ltd
According to Wall Street analysts, the average 1-year price target for
MUTHOOTFIN
is 1 623.38 INR
with a low forecast of 1 055.45 INR and a high forecast of 2 045.4 INR.
Shareholder Return
MUTHOOTFIN Price
Muthoot Finance Ltd
| Average Annual Return | 24.43% |
| Standard Deviation of Annual Returns | 38.34% |
| Max Drawdown | -45% |
| Market Capitalization | 673.3B INR |
| Shares Outstanding | 401 427 064 |
| Percentage of Shares Shorted |
N/A
|
Company Profile
Muthoot Finance Ltd
Country
Industry
Market Cap
Dividend Yield
Description
Muthoot Finance Ltd. engages in the provision of personal and business loans secured by gold jewelry or gold loans. The company is headquartered in Kochi, Kerala. The company went IPO on 2011-05-06. The firm is a non-deposit taking, non-banking financial company, which is engaged primarily in the business of financing. The company provides personal and business loans secured by gold jewelry. The company lends against security of household used gold ornaments (HUGO) and does not deal in gold bullion. Its gold loan schemes include Muthoot One Percent Loan, Muthoot Ultimate Loan, Muthoot Delight Loan, Muthoot EMI Scheme, Muthoot Mudra Loan, Muthoot Advantage Loan, Muthoot High Value Loan Plus, Muthoot High Value Loan and Muthoot Big Business Loans. Its core offering is gold loans, however the Company offers a range of other products and services to its customers, which includes foreign inward money transfer services, domestic money transfer services, instant money transfer services, microfinance, non-convertible debentures, home loans, personal loans, corporate loans, foreign exchange services and insurance services, among others.
Contact
IPO
Employees
Officers
The intrinsic value of one
MUTHOOTFIN
stock under the Base Case scenario is
1 876.29
INR.
Compared to the current market price of 1 677.2 INR,
Muthoot Finance Ltd
is
Undervalued by 11%.
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