Income Statement Muthoot Finance Limited

Stocks

MUTHOOTFIN

INE414G01012

Consumer Lending

Market Closed - NSE India S.E. Other stock markets 07:05:09 2026-06-15 am EDT			5-day change	1st Jan Change
3,160.10 ^INR	+3.88%		+6.59%	-17.09%

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Published financial data: MUTHOOT FINANCE LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	112B	119B	116B	146B	197B
Interest Expense, Total	41B	42.56B	42.09B	54.3B	74.12B
Net Interest Income	71.32B	76.69B	73.47B	91.2B	123B
Gain (Loss) on Sale of Investments, Total (Rev)	-	-	10K	-106M	-89.31M
Other Revenues, Total	3.18B	2.94B	3.41B	5.22B	5.58B
Revenues Before Provison For Loan Losses	74.5B	79.63B	76.88B	96.32B	128B
Provision For Loan Losses	2.24B	2.61B	2.25B	3.18B	9.16B
Total Revenues	72.26B	77.02B	74.63B	93.14B	119B
Salaries And Other Employee Benefits	11.89B	12.39B	14.88B	18.28B	23.25B
Cost of Services Provided, Total	3.84B	3.69B	4.46B	5.65B	7.26B
Depreciation & Amortization - (IS) - (Collected)	674M	700M	782M	921M	1.16B
Provision for Bad Debts	316M	1.23B	169M	2.27B	7.14B
Other Operating Expenses	4.2B	4.92B	5.1B	6.02B	7.39B
Total Operating Expenses	20.92B	22.93B	25.38B	33.14B	46.2B
Operating Income	51.34B	54.09B	49.25B	60B	72.66B
Other Non Operating Income (Expenses)	11.06M	13.6M	-	7.5M	-
EBT, Excl. Unusual Items	51.35B	54.11B	49.25B	60.01B	72.66B
Gain (Loss) on Sale of Investments	-	-	-	-42.8M	-
Gain (Loss) on Sale of Assets	-35.31M	-6.47M	-21.16M	-1.11M	-900K
Asset Writedown	-	-	-	-	-
EBT, Incl. Unusual Items	51.31B	54.1B	49.23B	59.97B	72.66B
Income Tax Expense	13.13B	13.79B	12.53B	15.29B	19.14B
Earnings From Continuing Operations	38.19B	40.31B	36.7B	44.68B	53.52B
Net Income to Company	38.19B	40.31B	36.7B	44.68B	53.52B
Minority Interest	-145M	-147M	-575M	-1.43B	-195M
Net Income - (IS)	38.04B	40.17B	36.12B	43.24B	53.33B
Net Income to Common Incl Extra Items	38.04B	40.17B	36.12B	43.24B	53.33B
Net Income to Common Excl. Extra Items	38.04B	40.17B	36.12B	43.24B	53.33B
Per Share Items
Net EPS - Basic	94.84	100.1	89.99	107.72	132.84
Basic EPS - Continuing Operations	94.84	100.1	89.99	107.72	132.84
Basic Weighted Average Shares Outstanding	401M	401M	401M	401M	401M
Net EPS - Diluted	94.76	100.05	89.98	107.71	132.83
Diluted EPS - Continuing Operations	94.76	100.05	89.98	107.71	132.83
Diluted Weighted Average Shares Outstanding	401M	401M	401M	401M	401M
Normalized Basic EPS	79.65	83.91	75.25	89.85	112.63
Normalized Diluted EPS	79.57	83.87	75.24	89.85	112.63
Dividend Per Share	20	20	22	24	26
Payout Ratio	0.02	19.99	22.24	20.45	18.09
Supplemental Items
Total Revenues (As Reported)	116B	122B	120B	152B	203B
Effective Tax Rate - (Ratio)	25.58	25.49	25.45	25.5	26.34
Total Current Taxes	13.35B	14.1B	12.24B	15.8B	19.81B
Total Deferred Taxes	-225M	-315M	294M	-512M	-674M
Normalized Net Income	31.95B	33.67B	30.21B	36.07B	45.22B
Non-Cash Pension Expense	77.62M	2.31M	10.52M	9.24M	155M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	14.04M	-1.98M	-	-	-
Total Stock-Based Compensation	14.04M	-1.98M	-	-	-

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	77.78B	100B	77.7B	60.37B	81.67B
Long-Term Investments - (FS Template)	8.5B	5.66B	6.5B	8.28B	24.38B
Trading Asset Securities, Total	154M	605M	-	-	-
Loans and Lease Receivables - (FS Template)	588B	645B	706B	882B	1,206B
Other Receivables	2.46B	1.82B	1.99B	2.24B	2.16B
Gross Property Plant And Equipment	5.08B	5.98B	7.22B	9.12B	11.36B
Accumulated Depreciation	-1.95B	-2.49B	-3.13B	-3.87B	-4.89B
Net Property Plant And Equipment	3.13B	3.49B	4.09B	5.25B	6.47B
Goodwill	300M	300M	300M	300M	300M
Other Intangibles, Total	86.86M	59.23M	59.29M	62M	57.14M
Other Current Assets, Total	2.68B	2.98B	2.9B	2.63B	2.09B
Deferred Tax Assets Long-Term (Collected)	593M	1.09B	641M	976M	2.01B
Other Long-Term Assets, Total	2.64B	1.52B	1.76B	2.72B	3.68B
Total Assets	686B	763B	801B	965B	1,329B
Liabilities
Interest Bearing Deposits	2.58B	2.24B	3.31B	4.02B	5.78B
Deposits	2.58B	2.24B	3.31B	4.02B	5.78B
Accounts Payable, Total	2.11B	1.57B	1.34B	1.39B	1.37B
Accrued Expenses, Total	13.2B	13.45B	10.75B	14.06B	19.76B
Short-Term Borrowings	183B	160B	155B	210B	238B
Current Portion of Long-Term Debt	2.99B	-	45.17B	-	-
Current Portion of Leases	52.57M	58.39M	64.99M	55.75M	28.56M
Long-Term Debt	319B	389B	357B	469B	751B
Long-Term Leases	125M	101M	90.58M	70.16M	113M
Current Income Taxes Payable	1.3B	1.42B	812M	552M	2.59B
Unearned Revenue, Current	-	-	-	-	-
Deferred Tax Liability Current	-	-	-	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	850M	148M	153M	2.39B	1.77B
Unearned Revenue Non Current	12.75M	9.25M	8.04M	6.73M	4.23M
Pension & Other Post Retirement Benefits	95.66M	147M	93.87M	81.11M	389M
Deferred Tax Liability Non-Current	142M	166M	153M	168M	249M
Other Non Current Liabilities	3.41B	4.22B	6.35B	5.44B	7.65B
Total Liabilities	529B	572B	580B	707B	1,029B
Common Stock, Total	4.01B	4.01B	4.01B	4.01B	4.01B
Additional Paid In Capital	15.02B	15.06B	15.1B	15.11B	15.11B
Retained Earnings	101B	134B	162B	196B	239B
Comprehensive Income and Other	35.73B	35.02B	35.41B	36.09B	35.21B
Total Common Equity	156B	188B	217B	251B	294B
Minority Interest	1.85B	3.52B	4.87B	6.47B	6.27B
Total Equity	158B	191B	222B	258B	300B
Total Liabilities And Equity	686B	763B	801B	965B	1,329B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	401M	401M	401M	401M	401M
ECS Total Common Shares Outstanding	401M	401M	401M	401M	401M
Book Value / Share	388.22	468.07	539.69	625.39	731.49
Tangible Book Value	155B	187B	216B	251B	293B
Tangible Book Value Per Share	387.25	467.17	538.79	624.49	730.6
Total Debt	505B	548B	557B	679B	989B
Debt Equivalent of Unfunded Proj. Benefit Obligation	95.19M	142M	92.3M	81.11M	389M
Net Debt	427B	447B	479B	618B	907B
Full Time Employees	-	26.72K	-	28.29K	29.22K

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	38.04B	40.17B	36.12B	43.24B	53.33B
Depreciation, Depletion & Amortization	625M	659M	752M	890M	1.13B
Total Depreciation, Depletion & Amortization	625M	659M	752M	890M	1.13B
Amortization of Deferred Charges, Total	48.69M	40.94M	29.24M	31.19M	28.36M
(Gain) Loss On Sale of Asset - (CF)	-7.19M	-7.9M	-2.39M	-6.39M	-4.68M
(Gain) Loss on Sale of Investments - (CF)	-1.65B	-489M	-408M	-591M	-1.28B
Total Asset Writedown	1.21M	1.62M	10.11M	41.5M	44.2M
Provision for Credit Losses	2.55B	3.82B	2.29B	5.43B	16.31B
Stock-Based Compensation (CF)	14.04M	-1.98M	-	-	-
Change in Accounts Payable	-146M	-540M	586M	510M	-8.96M
Change in Other Net Operating Assets (Collected)	-122B	-60.8B	-62.38B	-181B	-340B
Other Operating Activities	4.35B	1.19B	-5.03B	-6.14B	5.44B
Cash from Operations	-78.14B	-15.96B	-28.04B	-138B	-265B
Capital Expenditure	-915M	-971M	-1.41B	-2.22B	-2.17B
Sale of Property, Plant, and Equipment	17.08M	24.11M	13.99M	19.08M	14.28M
Cash Acquisitions	-	-	-	-	-
Sale (Purchase) of Real Estate Properties (Collected)	8.65M	4.4M	8.74M	-380K	-29.58M
Investment in Marketable and Equity Securities, Total	185M	3.4B	464M	-835M	-16.77B
Other Investing Activities, Total	1.1B	1.76B	2.73B	3.49B	5.2B
Cash from Investing	396M	4.22B	1.81B	454M	-13.76B
Short Term Debt Issued, Total	-	-	-	-	-
Long-Term Debt Issued, Total	97.34B	55.57B	14.23B	129B	309B
Total Debt Issued	97.34B	55.57B	14.23B	129B	309B
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-372M	-15.8B	-4.44B	-89.23M	-386M
Total Debt Repaid	-372M	-15.8B	-4.44B	-89.23M	-386M
Issuance of Common Stock	7.92M	7.47M	5.15M	640K	110K
Common Dividends Paid	-6.75M	-8.03B	-8.03B	-8.84B	-9.65B
Common & Preferred Stock Dividends Paid	-6.75M	-8.03B	-8.03B	-8.84B	-9.65B
Other Financing Activities, Total	158M	2.71B	2.19B	-194M	974M
Cash from Financing	97.12B	34.45B	3.95B	120B	300B
Foreign Exchange Rate Adjustments	-29.46M	-111M	-10.3M	23.13M	16.18M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	19.35B	22.6B	-22.29B	-17.49B	21.42B
Supplemental Items
Cash Interest Paid	36.21B	39.71B	44.52B	57.59B	67.05B
Cash Income Tax Paid (Refund)	12.87B	14.02B	13.22B	16.33B	17.25B
Net Debt Issued / Repaid	96.97B	39.77B	9.78B	129B	309B

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	6.18	5.56	4.69	5.06	4.67
Return On Equity %	27.51	23.1	17.78	18.65	19.2
Return on Common Equity	27.76	23.38	17.86	18.49	19.58
Margin Analysis
Gross Profit Margin %	100	100	100	100	100
SG&A Margin	21.77	20.88	25.91	25.69	25.67
Income From Continuing Operations Margin %	52.85	52.34	49.17	47.97	45.03
Net Income Margin %	52.65	52.15	48.4	46.43	44.87
Net Avail. For Common Margin %	52.65	52.15	48.4	46.43	44.87
Normalized Net Income Margin	44.21	43.72	40.47	38.73	38.04
Asset Turnover
Asset Turnover	0.12	0.11	0.1	0.11	0.1
Short Term Liquidity
Current Ratio	3.26	4.21	3.64	4.08	4.8
Quick Ratio	3.25	4.19	3.63	4.07	4.79
Operating Cash Flow to Current Liabilities	-0.38	-0.09	-0.13	-0.59	-0.98
Long Term Solvency
Total Debt/Equity	320.52	286.56	251.43	263.66	329.77
Total Debt / Total Capital	76.22	74.13	71.54	72.5	76.73
LT Debt/Equity	202.59	203.13	161.05	182.26	250.36
Long-Term Debt / Total Capital	48.18	52.55	45.83	50.12	58.25
Total Liabilities / Total Assets	77.04	74.92	72.36	73.3	77.42
Tier 1 Capital Ratio %	26.31	29.1	31.01	29.61	22.95
Total Capital Ratio %	27.39	29.97	31.77	30.37	23.71
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	12.72	6.53	-2.67	22.88	27.61
Gross Profit, 1 Yr. Growth %	12.72	6.53	-2.67	22.88	27.61
Earnings From Cont. Operations, 1 Yr. Growth %	20.52	5.56	-8.97	21.74	19.8
Net Income, 1 Yr. Growth %	21.23	5.58	-10.07	19.71	23.32
Normalized Net Income, 1 Yr. Growth %	21.32	5.39	-10.29	19.14	25.35
Diluted EPS Before Extra, 1 Yr. Growth %	21.18	5.58	-10.06	19.7	23.32
Common Equity, 1 Yr. Growth %	31.67	20.61	15.33	15.88	16.96
Total Assets, 1 Yr. Growth %	25.07	11.18	5.02	20.36	37.72
Tangible Book Value, 1 Yr. Growth %	31.77	20.68	15.36	15.91	16.99
Cash From Operations, 1 Yr. Growth %	57.23	-79.57	75.64	390.5	94.96
Capital Expenditures, 1 Yr. Growth %	-0.55	6.1	45.42	57.59	-2.44
Dividend Per Share, 1 Yr. Growth %	33.33	0	10	9.09	8.33
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	19.45	9.61	1.6	10.21	25.22
Gross Profit, 2 Yr. CAGR %	19.45	9.61	1.6	10.21	25.22
Earnings From Cont. Operations, 2 Yr. CAGR %	34.76	12.79	-1.97	5.27	20.77
Net Income, 2 Yr. CAGR %	35.31	13.13	-2.56	3.76	21.5
Normalized Net Income, 2 Yr. CAGR %	25.71	13.08	-2.77	3.51	22.21
Diluted EPS Before Extra, 2 Yr. CAGR %	35.23	13.11	-2.55	3.76	21.5
Common Equity, 2 Yr. CAGR %	25.23	26.02	17.94	15.61	16.42
Total Assets, 2 Yr. CAGR %	28.25	17.92	8.06	12.43	28.75
Tangible Book Value, 2 Yr. CAGR %	25.32	26.1	17.99	15.63	16.45
Cash From Operations, 2 Yr. CAGR %	27.27	-43.32	-40.1	193.52	207.56
Capital Expenditures, 2 Yr. CAGR %	9.07	2.72	24.21	51.38	23.99
Dividend Per Share, 2 Yr. CAGR %	29.1	15.47	4.88	9.54	8.71
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	15.77	15	5.2	8.81	15.73
Gross Profit, 3 Yr. CAGR %	15.77	15	5.2	8.81	15.73
Earnings From Cont. Operations, 3 Yr. CAGR %	27.47	24.22	5.02	5.37	9.91
Net Income, 3 Yr. CAGR %	27.63	24.57	4.8	4.36	9.91
Normalized Net Income, 3 Yr. CAGR %	20.52	18.54	4.68	4.13	10.33
Diluted EPS Before Extra, 3 Yr. CAGR %	27.57	24.52	4.79	4.36	9.91
Common Equity, 3 Yr. CAGR %	25.62	23.67	22.35	17.25	16.06
Total Assets, 3 Yr. CAGR %	26.8	22.28	13.45	12.01	20.3
Tangible Book Value, 3 Yr. CAGR %	25.69	23.75	22.42	17.29	16.08
Cash From Operations, 3 Yr. CAGR %	76.05	-30.83	-17.37	20.74	155.17
Capital Expenditures, 3 Yr. CAGR %	35.96	8.07	15.34	34.47	30.76
Dividend Per Share, 3 Yr. CAGR %	25.99	18.56	13.62	6.27	9.14
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	23.55	18.35	9.89	12.96	13.14
Gross Profit, 5 Yr. CAGR %	23.55	18.35	9.89	12.96	13.14
Earnings From Cont. Operations, 5 Yr. CAGR %	36.1	27.27	14.76	16.26	11.05
Net Income, 5 Yr. CAGR %	36.11	27.34	14.57	15.79	11.19
Normalized Net Income, 5 Yr. CAGR %	31.07	22.58	10.6	12.28	11.42
Diluted EPS Before Extra, 5 Yr. CAGR %	36.2	27.28	14.54	15.76	11.18
Common Equity, 5 Yr. CAGR %	22.6	23.5	22.49	20.38	19.94
Total Assets, 5 Yr. CAGR %	20.17	18.85	18.94	18.24	19.34
Tangible Book Value, 5 Yr. CAGR %	22.58	23.57	22.55	20.44	19.99
Cash From Operations, 5 Yr. CAGR %	135.31	-6.09	14.38	23.31	39.78
Capital Expenditures, 5 Yr. CAGR %	24.77	11.14	31.13	23.67	18.73
Dividend Per Share, 5 Yr. CAGR %	27.23	27.23	17.08	14.87	11.63