Muthoot Capital Services Limited (511766) Fair Value & Analysis
Financial · IN · Market cap ₹6.2B
Fair value as of: Aug 15, 2026
From 9 valuation models · updated today
Share price +13.0% over the past month.
Below-average quality, screening 40% undervalued on our models.
What matters now
- The large discount to fair value meets weak quality (37/100). 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.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 15, 2026.
How to read this chart
60‑month range ₹165.80 – ₹471.70 · fair‑value band ₹271.18 – ₹451.97 · the ₹257.50 price screens below the ₹361.57 fair value. Dashed = 300-day average. As of Aug 15, 2026.
Analysis
Muthoot Capital Services Limited (511766) currently trades at ₹257.50, while our model-based Fair Value estimate is ₹361.57, implying the stock looks roughly 40.4% undervalued today. The Quality Score stands at 37/100 (below-average quality), in the Financial sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Muthoot Capital Services Limited generated revenue of ₹3.6B at a net margin of 17.2%. Revenue grew 10.2% year over year. It earns a return on equity of 12.2%. The stock trades on a trailing P/E of 10.5 (as of Aug 15, 2026). Fundamentals as of Aug 15, 2026
Our scenario range runs from ₹271.18 (bear case) to ₹451.97 (bull case); at ₹257.50, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 20% below its 52-week high and 46% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial peers we cover trades at -45% fair-value upside, at 40%, 511766 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 9 models by family
Widest divergence: Multiples (₹361.57) versus Dividend Discount (₹0.0900). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 15, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 33 · Market factors (momentum, volatility) 41
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Peer Group
Credit Services · 334 stocks
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.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 15, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,094 | ₹397.61 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,918 | ₹796.52 | -58% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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