Muthoot Capital Services Ltd
Ticker: MUTHOOTCAP
Decent
48/100
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Investing Reference
Price
272.85
Market Cap
448.77
Debt/Equity
4.3382
ROE %
7.207
PB
0.6820
Promoter %
62.617
Pledge %
0.000
1Y Rev Growth %
-11.780
5Y Rev Growth %
-4.079
NP Margin %
9.603
NP Margin 5Y Avg %
4.179
Trading Reference
1M Return %
-2.158
6M Return %
6.933
1Y Return %
-26.948
% Away 52W High
46.967
% Away 52W Low
16.598
Daily Volume
10474
Investment Verdict
Hold
Score 67/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 13/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Muthoot Capital Services Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it breaks above recent resistance levels. Volume has been increasing, suggesting bullish sentiment in the medium term.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Muthoot Capital Services Ltd is a prominent financial services provider in India, specializing in vehicle financing and personal loans. Catering primarily to middle-income individuals and small businesses, the company plays a crucial role in enhancing financial accessibility. With a robust presence across the country, Muthoot Capital focuses on customer-centric solutions, ensuring quick approvals and transparent processes. This commitment to service quality and financial inclusion makes it a trusted partner for those seeking to fulfill their financial aspirations.
- Established player in the Indian financial services sector
- Focus on vehicle financing and personal loans
- Serves middle-income individuals and small businesses
- Quick loan approvals with transparent processes
- Strong commitment to customer satisfaction
- Promotes financial inclusion across India
Investment Thesis
Muthoot Capital Services Ltd presents a compelling investment opportunity due to its strong promoter credibility, robust growth in digital services, and attractive valuation compared to its peers. The company's strategic initiatives position it well for future growth in the evolving financial landscape.
- Strong backing from the Muthoot Group, enhancing trust and stability.
- Significant growth potential in digital services catering to a tech-savvy customer base.
- Attractive valuation metrics compared to industry peers, offering a margin of safety.
- Focus on expanding loan portfolio, particularly in personal and vehicle loans.
- Strong financial performance with consistent revenue growth and profitability.
Opportunity vs Risk
Opportunities
- Strong growth in retail financing
- Expanding customer base
- Diversification into new segments
- Potential for increased market share
Risks ⚠️
- Regulatory changes impacting operations
- High competition in finance sector
- Economic slowdown affecting demand
- Interest rate fluctuations risk
Peer Perspective
Muthoot Capital Services Ltd trades at a discount to peers like Mahindra & Mahindra Financial Services and L&T Finance Holdings. A rerating could occur with improved margin stability and consistent growth in loan book.
Future Outlook
Muthoot Capital Services Ltd is well-positioned for growth, driven by strong market demand and strategic initiatives. However, successful execution and effective cost control will be crucial to fully realize its potential.
AI FAQs for Retail Users
- Q: What does Muthoot Capital Services Ltd do?A: Muthoot Capital provides financial services, including loans and vehicle financing, primarily in India.
- Q: Is Muthoot Capital a good investment?A: Investment suitability depends on individual financial goals and risk tolerance; conduct thorough research before investing.
- Q: What are the risks of investing in Muthoot Capital?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of Muthoot Capital?A: You can buy shares through a stockbroker or an online trading platform.
- Q: What is the dividend policy of Muthoot Capital?A: Muthoot Capital may declare dividends, but past performance does not guarantee future payouts.
📊 Stock Investment Checklist (100 Points)
Muthoot Capital Services Ltd • Updated: 2025-09-17 03:59:44
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10BusinessHighThe sector is evolving with increasing demand for financial services, but competition is intense.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighModerate debt levels with adequate liquidity, but reserves are limited.
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6GovernanceGoodPromoter holding is strong, but some pledging exists.
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8DriversHighGrowth drivers are present, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 48 / 100
• Decent
Muthoot Capital Services Ltd shows potential for growth but faces challenges in profitability and valuation. Caution is advised.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 75/100
- Governance: 60/100
- Market Confidence: 68/100