Muthoot Finance Ltd.

Financial

	Muthoot Finance	L&T Finance	LIC Housing Finance
Operational Metrics
Banking Sector
Net Interest Margin	11.62 %	9.14 %	3.15 %
Yield On Advances	18.27 %	15.54 %	n/a
NBFC
Gross NPA	4.0 %	3.15 %	3.31 %
Net NPA	3.7 %	0.79 %	2.75 %
Cost To Income Ratio	30.0 %	40.1 %	12.2 %
Cost of Borrowing	8.7 %	7.82 %	7.76 %
AUM - NBFC	89078.6 Crs	85565.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	30.37 %	22.84 %	19.77 %
Tier I Capital	29.61 %	21.02 %	18.11 %
Gold Kept As Security	188.0 Tonnes	n/a	n/a
Unclassified
LTV -Gold Loan	63.0 %	n/a	n/a
Advertisement Spend as a % of Total Sales	n/a	n/a	n/a
Financials
5 yr Average ROE	21.99 %	7.91 %	12.24 %
5yr average Equity Multiplier	4.2	5.5	11.18
5yr Average Asset Turnover Ratio	0.17	0.12	0.08
5yr Avg Net Profit Margin	31.21 %	11.62 %	12.82 %
5yr Avg Net Profit Margin	31.21 %	11.62 %	12.82 %
5yr CAGR Net Profit	11.69 %	6.42 %	3.51 %
5yr CAGR Sales	9.52 %	-0.85 %	5.49 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.87	1.99	1.39
P/E	16.69	20.1	9.18
Shareholdings
Promoter Holding	73.35 %	65.86 %	45.24 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.05 %	2.24 %	4.93 %
Change in Mutual Fund Holding (3 Yrs)	8.21 %	2.62 %	7.21 %

Business

	Muthoot Finance	L&T Finance	LIC Housing Finance
Product Wise Break-Up	Product Wise Break-Up Interest Income 95.56 Service Charges 2.55 Sale of Services 0.05 Dividend Income 0.02 Fee and commission income 0 Others 1.82	-	Product Wise Break-Up Dividend Income 0 Interest Income 99.21 Service Charges 0 Fee and commission income 0.19 Sale of Services 0 Others 0.6
Loan Break-Up	Loan Break-Up Gold Loan 84.65 Small & Medium Enterprises (SME) loans 11.19 Home loans 2.27 Auto loans 1.25 Personal Loan 0 Non-Housing Loan 0 Infra Debt Fund (IDF) 0 Infrastructure Finance 0 Real Estate Finance 0 LAP (Loan against Property) 0 Home Loans 0 Consumer Loans 0 Micro Loans 0 2W Finance 0 Farm Equipment 0 Others 0.64	Loan Break-Up Non-Housing Loan 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 0 Home loans 11.86 Infra Debt Fund (IDF) 0 Small & Medium Enterprises (SME) loans 0.84 Infrastructure Finance 2.08 Real Estate Loans 0.02 2W Finance 0 Gold Loan 0 Auto loans 0 Loan Against Property 4.49 Farm Equipment 9.96 Home loans 0 Consumer Finance 6.3 Others 64.45	-
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 63.01 Secured Non-Convertible Debentures 27.87 Commercial Papers 7.85 Subordinated Debt 0.09 External Commercial Borrowings 0 Overdraft against Deposite 0 Cash Credit/ Short term loan 0 Securitised Loans 0 Loans from related party 0 Pass through certificates payable 0 Loan from Financial Institutions 0 Term Loan from Bank 0 ECB 0 NCD (retail) 0 NCD (ex retail) 0 Bank loan 0 Others 1.18	Borrowings Break-Up Term Loan from Bank 0 Pass through certificates payable 0 Loan From Banks 0 Securitised Loans 0 Overdraft against Deposite 0 Cash Credit/ Short term loan 0 Subordinated Debt 0 Bank Loan 48.0 External Commercial Borrowings 0 Loan from Financial Institutions 0 ECB 3.0 NCD 2.0 Loans from related party 0 NCD 35.0 Secured Non-Convertible Debentures 0 Commercial Papers 0 Others 12.0	-
Borrowings - Geography Wise	Borrowings - Geography Wise Borrowings in India 88.5 Borrowings outside India 11.5	-	-

Muthoot Finance Ltd.

SIGN UP FOR FREE