Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Which stocks are undervalued right now? Check free
Discover now →
Muthoot Capital Services Limited (511766) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Muthoot Capital Services Limited ₹362, price ₹214, upside +69.1%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? No
- Add to watchlist
MC
Thin data
Sep 24, 2026
Muthoot Capital Services Limited
511766 · BSECheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.
✓Fair value ₹361.57 · Strongly undervalued (+69.1%)
!Quality 36/100
!Weak Growth (revenue 5y −4.3 %/yr)
✓Solidly profitable · 17.2% net margin (TTM)
!High debt
!Moderate moat 54/100
!Evidence only low, so the estimate is less certain
Watch Muthoot Capital Services Limited for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.
Watch for free
Pro now: $1 first month
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range ₹165.80 – ₹471.70 · fair‑value band ₹271.18 – ₹451.97 · the ₹213.80 price screens below the ₹361.57 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Muthoot Capital Services Limited, a non-banking finance company (NBFC), provides fund and non-fund based financial services. The company offers two wheeler, used car, consumer durable, secured business, term, and loyalty loans; short-term and long-term deposit plans; and subordinated debts, as well as advisory services.
Show more
Muthoot Capital Services Limited, a non-banking finance company (NBFC), provides fund and non-fund based financial services. The company offers two wheeler, used car, consumer durable, secured business, term, and loyalty loans; short-term and long-term deposit plans; and subordinated debts, as well as advisory services. It is also involved in buying loan portfolio of other NBFCs/micro finance companies. The company serves retail, corporate, and institutional customers through a network of branches in India. Muthoot Capital Services Limited was founded in 1994 and is based in Kochi, India.
Stock analysis
Muthoot Capital Services Limited (511766) currently trades at ₹213.80, while our model-based Fair Value estimate is ₹361.57, implying the stock looks roughly 40.9% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of ₹361.57 per share, and 6 of the 6 models we run sit above the ₹213.80 price.
Bear case: the Earnings-Based group reads lowest at ₹218.89, and 0 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹271.18 (bear) to ₹451.97 (bull), the price of ₹213.80 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 36/100 (below-average quality), in the Financial sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Muthoot Capital Services Limited reported revenue of ₹4.7B in FY2025 versus ₹5.1B in FY2021, a compound −1.7%/yr. Reported net income was ₹457M in FY2025, compounding −2.9%/yr from FY2021.
Key figures
Market cap ₹6.2B (≈ $64.0M) · P/E ratio 10.5 · P/S ratio 1.01 · EPS (TTM) ₹37.41 · Net margin 9.7% · Return on equity 12.2% · Return on assets (EBIT) 8.3% · Operating margin 23.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 27% below its 52-week high and 20% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial peers we cover trades at 10% fair-value upside, at 69%, 511766 screens cheaper than that median.
Fair Value models
Bear ₹271.18
Fair Value ₹361.57
Bull ₹451.97
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (₹37.41 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
₹292.03
₹293.14
₹312.48
71
Graham-Dodd
₹189.13
₹659.21
₹886.08
64
P/E Multiple
₹271.18
₹361.57
₹451.97
63
All 6 models by family
Earnings-Based
Graham-Dodd
₹189.13
₹659.21
₹886.08
64
Lynch FV
₹153.22
₹218.89
₹284.56
61
Multiples
P/E Multiple
₹271.18
₹361.57
₹451.97
63
P/B Multiple
₹354.62
₹472.83
₹591.03
55
Asset-Based
NCAV (Graham)
₹200.05
₹268.07
₹400.10
54
Economic Profit
Residual Income
₹292.03
₹293.14
₹312.48
71
Notify me when 511766 reaches fair value
Put 511766 on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
36/100
Of which business quality 33 · Market factors (momentum, volatility) 37
Profitability
26
Margins and returns on capital today
Quality Growth
54
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
24
Balance sheet, leverage, solvency risk
Investment
39
Disciplined investing over empire-building
Low Volatility
42
Calm price path (market factor)
Momentum
44
Price trend over the last 3–12 months (market factor)
52W Momentum
19
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
30/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+18.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.3%
Start year 2020 (pandemic). Over 10 years: +14.9% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.3%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−2.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.2%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.55% → 59%
Watch 511766, get fair value alerts →
Compare Muthoot Capital Services Limited with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks
Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Credit Services median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Indian Stocks
- Valuation of the India market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.33 | $221.29 | −38% |
| Mastercard Incorporated MA | $551.47 | $359.54 | −35% |
| American Express Company AXP | $304.10 | $208.54 | −31% |
| Capital One Financial Corporation COF | $193.07 | $125.94 | −35% |
| Bajaj Finance Limited BAJFINANCE | ₹948.30 | ₹1,100 | +16% |
| PayPal Holdings PYPL | $53.06 | $104.12 | +96% |
| Shriram Finance Limited SHRIRAMFIN | ₹994.10 | ₹1,364 | +37% |
| Affirm Holdings AFRM | $67.21 | $73.93 | +10% |
| Synchrony Financial, SYF | $71.52 | $141.92 | +98% |
| SoFi Technologies, Inc SOFI | $15.72 | $5.53 | −65% |
Explore undervalued stocks
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is Muthoot Capital Services Limited (511766) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of ₹361.57 versus a price of ₹213.80, about +69% upside (undervalued).
What is the fair value of 511766?
Our model-based fair value for Muthoot Capital Services Limited is ₹361.57 (as of Sep 24, 2026), built from audited fundamentals. The current price: ₹213.80.
What is the quality score of 511766?
Muthoot Capital Services Limited has a Quality Score of 36/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Muthoot Capital Services Limited (511766)?
Our model-based price target is the fair value of ₹361.57 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario ₹271.18, optimistic scenario ₹451.97. It is a calculation from audited fundamentals, not an analyst target.
What is the Muthoot Capital Services Limited stock forecast for 2026?
Our models put fair value at ₹361.57, about +69% upside versus a price of ₹213.80 (undervalued). Cautious scenario ₹271.18, optimistic scenario ₹451.97. The calculation is refreshed regularly with new filings.
What is the revenue of Muthoot Capital Services Limited (511766)?
Muthoot Capital Services Limited reported trailing-twelve-month revenue of about ₹3.6B (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Muthoot Capital Services Limited (511766)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Muthoot Capital Services Limited it is ₹361.57 per share (as of Sep 24, 2026), against a price of ₹213.80. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Muthoot Capital Services Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 511766 trades below its calculated fair value: price ₹213.80, fair value ₹361.57, a gap of about +69% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 511766?
No. The price is what the market pays today (₹213.80); the fair value is what the company's own numbers justify (₹361.57). For Muthoot Capital Services Limited the two are ₹147.77 per share apart. That gap is exactly why we show both numbers side by side.
How much is Muthoot Capital Services Limited worth?
The market values Muthoot Capital Services Limited at about ₹6.2B (market capitalisation, as of Sep 24, 2026). Per share that is ₹213.80; our models calculate a fair value of ₹361.57 per share.
What do the bullish and bearish scenarios say about 511766?
Our models span a range for Muthoot Capital Services Limited: cautious scenario ₹271.18, base ₹361.57, optimistic ₹451.97 per share (as of Sep 24, 2026, price ₹213.80). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 511766?
Muthoot Capital Services Limited trades at a price-to-earnings ratio of 10.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹361.57 is built from several models across several years. Other multiples: P/B 0.9, P/S 1.7.
How solid is the balance sheet of Muthoot Capital Services Limited (511766)?
Balance-sheet figures for Muthoot Capital Services Limited (as of Sep 24, 2026): return on equity 12.2%, debt of 1.60 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is 511766 from its 52-week high?
Muthoot Capital Services Limited trades at ₹213.80, about 27% below its 52-week high of ₹293.55 and 20% above the low of ₹178.45 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹361.57 is for.
Which stocks are comparable to Muthoot Capital Services Limited?
From the same area (Financial) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Muthoot Capital Services Limited stock attractive at the current price?
The data as of Sep 24, 2026: price ₹213.80, calculated fair value ₹361.57 (+69%), Quality Score 36/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 511766 calculated?
We run Muthoot Capital Services Limited through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹361.57, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Muthoot Capital Services Limited currently trades 41 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Muthoot Capital Services Limited (511766)?
The closing price on Oct 1, 2026 was ₹213.80. Our model-based fair value is ₹361.57, about +69% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Muthoot Capital Services Limited right now?
The large discount to fair value meets weak quality (36/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (₹271.18). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Muthoot Capital Services Limited
How large is the market capitalisation of Muthoot Capital Services Limited (511766)?
The market capitalisation of Muthoot Capital Services Limited is ₹6.2B (≈ $64.0M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Muthoot Capital Services Limited (511766)?
The price-to-sales ratio of Muthoot Capital Services Limited is 1.01 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Muthoot Capital Services Limited (511766)?
Earnings per share at Muthoot Capital Services Limited are ₹37.41 (price ÷ EPS = P/E 10.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Muthoot Capital Services Limited (511766)?
The net margin of Muthoot Capital Services Limited is 9.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Muthoot Capital Services Limited (511766)?
The return on equity (ROE) of Muthoot Capital Services Limited is 12.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Muthoot Capital Services Limited (511766)?
On an EBIT basis the return on assets of Muthoot Capital Services Limited is 8.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Muthoot Capital Services Limited (511766)?
The operating margin of Muthoot Capital Services Limited is 23.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Muthoot Capital Services Limited (511766)?
Revenue at Muthoot Capital Services Limited is growing +10.2% versus a year earlier (3y avg +4.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Muthoot Capital Services Limited (511766)?
Earnings per share at Muthoot Capital Services Limited are growing +12.3% versus a year earlier. How much earnings per share grew versus a year earlier.
Free · no account needed
Watch Muthoot Capital Services Limited in the live analysis
One click puts Muthoot Capital Services Limited on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.