Announcement
Announcement under Regulation 30 (LODR)-Meeting Updates 3 Oct - Approved private placement of up to ₹200 crore senior secured NCDs at 9.25% for 36 months.
Source: Bse
Muthoot Capital Services Limited (MUTHOOTCAP)
Small CapFinancial Services stocks · Small cap · NSE
Muthoot Capital Services Limited operates in Vehicle Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers.
₹208.94
-4.93 · -2.31%
Market cap ₹361 Cr
Data qualityFresh enough for analysisQuote updated 21 Oct, 04:45 am ISTDetails
Quote21 Oct, 04:45 am IST
Base fundamentals06 Oct 2026 · screener
Latest result16 Jul, 08:54 pm IST
Score21 Oct, 04:30 am IST · v4.3-runtime-valuation
Tags03 May 2026
Coverage12/14 · 86%
Valuation2026-07-20 · Rf 6.8% · Financial Services P/E 17.0 (n=243)
Technical timing lens
Trend score and candlestick chart
39BearishSMA20 -8.7% / mo · MACD +
Stock trend: 35
Sector RS: 44
Sector 3M: -5.8% vs Nifty 500 -5.6%
Financial Services FPI tailwindNot confirmed
Latest mapped FPI equity flow was not positive. View sector evidence
Technical chart
MUTHOOTCAPD candles · FIT view+4.4%Latest close ₹208.94 on 2026-10-19
Bar
-1.4%
RSI
35
MACD hist
0.21
52W pos
26%
2026-10-19O ₹212.00H ₹218.00L ₹208.52C ₹208.94Vol 4,218 sh
Up bar
Down bar
EMA 20
EMA 50
Volume + 20D avg
Result date
RSI(14)
MACD / signal
Market context
Relative performance and chart statistics
Adjusted completed-session prices, rebased to 100
MUTHOOTCAPNifty Financial ServicesNifty 500
- MUTHOOTCAP
- -2.7%
- Nifty 500
- -5.6%
- Nifty Financial Services
- -6.0%
- Vs Nifty 500
- +2.8 pp
Chart stats
19 Oct 2026- From 52W high
- -31.0%
- 52W range position
- 26%
- ATR (14)
- 4.5%
- Volume vs 20D
- 0.52x
- Avg traded value
- ₹0.2 Cr
- 20D price channel
- ₹198.7 - ₹236
₹303
₹175.3 - ₹303
₹9.3
Latest completed session
20-session average
24.3% annualized volatility
Research snapshot
What the evidence says now
Weak fundamentals, management evidence is still limited to a financial-only Trust Lite signal, price trend argues for patience, and recent execution is weak.
Suggested next step
Verify management risk first
Do not let cheap valuation override weak Trust or governance evidence.
U-Score
Legacy · OVERVALUED15
Fundamental lens: valuation, quality, growth, balance sheet, and cash flow.
Latest result
Bad20
Revenue +7.1% · PAT NDF YoY
Technical
Bearish39
Price trend and sector-relative-strength timing.
Valuation
Legacy model-635.4%
Legacy margin-of-safety estimate; the revised evidence label remains in shadow validation.
Trust
Limited evidence45
Financial-only signal; management claim evidence is not sufficient yet.
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Financials
Fundamentals, quarterly history, margins, returns and balance-sheet evidence
Latest result
Quarter ended 30 Jun 2026
Bad · 20/100Rev +7% YoY
Filed 16 Jul 2026
Open results browser →| Metric | This quarter | YoY | QoQ |
|---|---|---|---|
| Revenue | ₹155.5 Cr | +7.1% | -6.5% |
| EBITDA | NDF | NDF | NDF |
| Operating margin | NDF | NDF | NDF |
| PAT | ₹8.1 Cr | NDF | +51.2% |
| PAT margin | 5.2% | +844 bps | +199 bps |
NDF means not disclosed in the current structured filing feed. It is intentionally not treated as zero.
Fundamentals
Valuation
- P/E
- 14.40
- P/B
- 0.54
- EV/EBITDA
- 525.00
- Market Cap
- 361.00Cr
Profitability
- ROE
- 1.86%
- ROCE
- 10.30%
- ROA
- 0.59%
- Dividend Y
- —
Growth (CAGR)
- Revenue 5Y
- 4.00%
- EPS 5Y
- -25.00%
- Revenue 3Y
- 12.00%
- EPS 3Y
- -46.00%
Balance Sheet
- Debt/Equity
- 4.95
- Interest Coverage
- —
- Altman Z
- 0.35
- Book Value
- 408.00
Cash Flow
- FCF Yield
- —
- FCF Positive Y
- 3/5
- OCF
- -375.00 Cr
- EPS TTM
- 14.57
Shareholding
- Promoter Hold
- 63.33%
- Promoter Pledge
- 0.00%
- Momentum 52W
- 32%
Financial History
Updated 20/10/2026
Revenue
₹ CrLatest: 3.0+112.0% vs prev
Net Profit
₹ CrLatest: 11.0-76.1% vs prev
Return on Equity
%Latest: 1.6-76.5% vs prev
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Technicals
Trend interpretation, Stage 2, relative strength, volume and indicator evidence
Daily technical trend read
Mixed signalsSignals are conflicting — long-term trend down. RSI 35. Wait for confirmation.
- Price below SMA200 (long-term downtrend) — short-term bounces likely countertrend.
- SMA20 falling (~9.5% over last month) — short-term momentum negative.
- RSI(14) at 35 — rising, no extreme reading.
- MACD above signal, histogram expanding — bullish momentum building.
- 31% off 52W high · 19% above 52W low.
Mechanical read from the price + indicator series above. Not a recommendation — technical setups can reverse without warning, especially around earnings and macro events.
Nifty 500 leadership
Relative Strength & Trend Stage
40
RS percentile
Stage 1 Base / Transition
1M return
-10.8%
3M return
-2.7%
6M return
+0.5%
1Y return
-29.0%
RS 1D
-4
RS 20D
-13
Sector rank
#10
Industry rank
#47
Stage evidence
- Price is within 3.1% of the 30-week proxy.
- The 30-week proxy changed +0.3% over 20 sessions.
- The moving-average structure does not confirm Stage 2 or Stage 4.
50-DMA
price below
200-DMA
price below
Sector
weakening
Industry
weakening
Relative-strength line vs Nifty 500 (base 100)
261 observations
19 Oct 2026Value 76.9-1.30%
RS vs Nifty 50077
Valuation & peers
U-Score 15 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Valuation & peers
U-Score 15 · legacy U-Score band OVERVALUED · valuation evidence and comparable companies
Distress Watch
Fundamental score breakdown
U band · OVERVALUEDValuation13/30
Growth2/25
Quality0/20
Balance Sheet1/15
Cash Flow2/10
Piotroski
2/9 (+0)
Penalties
-3
Raw sum
15
Why this score?
Top U-Score contributors and drags from the latest stored fundamentals.
15/100 · legacy band OVERVALUED
Positive drivers
- Valuation contributes 13/30 to the score.
- Cash flow contributes 2/10 to the score.
- Growth contributes 2/25 to the score.
Main drags
- Altman Z is 0.3, in distress territory.
- Penalty bucket subtracts 3 points.
- Fair-value margin of safety is negative at -635.4%.
Sector valuation model
NBFC valuation: P/B, ROA, borrowing cost, and asset quality
Lenders can look optically cheap before credit losses emerge, so valuation is tied to book quality.
Primary lens
P/B adjusted for ROA/ROE and leverage quality.
Secondary checks
AUM growth, spreads, credit cost, liquidity and ALM risk.
Main risk check
Fast growth with weak asset quality deserves a discount.
PE
14.4
PB
0.5
EV/EBITDA
525.0
ROE
1.9%
ROCE
10.3%
FCF Yield
—
Debt/Equity
5.0
MoS
-635.4%
Score movement
Stored run vs live recompute
This shows the stored score trend when snapshots exist, and also compares the latest stored nightly score with a live recompute from current fundamentals and price.
Stored run: 21 Oct 2026
v4.3-runtime-valuation
Final score
15
Previous: 15
Legacy U-Score band
OVERVALUED
Previous: OVERVALUED
Margin of safety
-635.4%
Previous: -635.4%
Score history
12 stored score snapshots. Latest stored move: +0 points.
21 Oct 2026
v4.3-runtime-valuation
15
15
15
15
15
15
15
15
15
15
15
15
Factor attribution
No pillar movement versus the latest stored run. Historical score trend will appear after snapshot storage is enabled.
Modelled fair value
Graham Number
₹365.72
+42.9% MoS
Growth-justified P/E
1.9
Growth-justified Value
₹28.41
-635.4% MoS
PEG
—
Comparable companies
Peers
Business-comparable peers in Financial Services — ranked by industry, sub-sector, theme-tag overlap, market cap, and U-Score similarity. Green cells mark the best available peer metric in this table.
Ticker
Name
Why peer
Score
PE
ROE
MoS
Verdict
SUNDARMFIN
Large
Sundaram Finance Limited
NBFC / Capital Markets / Insurance
match 135
29
20.8
15.0%
+31%
OVERVALUED
CHOLAFIN
Large
Cholamandalam Investment and Finance Company Limited
NBFC / Capital Markets / Insurance
match 135
33
23.2
19.4%
+10%
WATCHLIST
M&MFIN
Mid
Mahindra & Mahindra Financial Services Limited
NBFC / Capital Markets / Insurance
match 134
34
13.2
12.3%
+49%
WATCHLIST
MONEYBOXX
Small
Moneyboxx Finance Limited
NBFC / Capital Markets / Insurance
match 132
13
272.0
0.5%
-903%
OVERVALUED
VIJIFIN
Small
Viji Finance Limited
NBFC / Capital Markets / Insurance
match 131
5
67.0
1.2%
-2285%
OVERVALUED
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business, management & trust
Growth engines, risks, management commitments and evidence-backed delivery
Business and thesis
Issuer presentation review pending
Muthoot Capital Services Limited operates in Vehicle Finance, within the Financial Services sector. Use the latest filing and company disclosures below to verify its revenue mix and current business drivers. The structured result feed currently covers the quarter ended 30 Jun 2026. Investor presentations and earnings-call PDFs will be added as issuer-backed evidence before management claims appear here.
Trust Score
45Limited evidence · low confidenceTrust Lite
Trust asks: does management behaviour match later outcomes? Higher is better, but confidence and evidence depth matter as much as the number.
Limited evidence: Claim history is still being built. It ranks around the 2nd percentile of the scored universe and 3rd percentile within Financial Services. Main check: balance sheet trust is weak at 22/100.
This is a financial-behaviour screen, not a claim-tested management reliability verdict.
Computed 05 Sept 2026
management-trust-v1
67 docs text-extracted · 18 concalls text-extracted
Score band
Limited evidence
Financial behaviour is scored, but management claims do not yet have enough outcome checks.
Relative rank
2nd percentile
overall median 67 · Financial Services: 3rd pctile, median 62 · Small: 3rd pctile, median 66
Evidence depth
Financial-only
67 documents have extracted text, but claim history is not strong enough yet.
Claim delivery
Outcome history still building
0 claims extracted · No contradicted claim yet
How to read this Trust Score
Limited evidence · low confidenceWhat it measures
Reliability of management and financial delivery, using financial behaviour only.
Confidence
Treat this as an early read until more concalls and outcomes are matched.
Investor use
Needs extra due diligence; demand valuation comfort and recent improvement.
Read Trust alongside U-Score, result consistency, and technical trend. A cheap stock with weak Trust needs a larger margin of safety; a high Trust score does not make an expensive stock attractive by itself.
Forensic breakdown
Read low sub-scores as due-diligence warnings, not automatic sell signals.
Promoter
86
strong · holding, pledge, alignment
Cash flow
40
weak · profit to cash conversion
Balance sheet
22
weak · leverage and solvency
Discipline
40
weak · capital discipline
Results
39
weak · quarterly consistency
Trust positives
- ▸Promoter holding is 63.3%.
- ▸Promoter pledge is zero.
- ▸4/4 latest quarters had positive YoY revenue growth.
Trust risks
- ▸Operating cash flow is negative at ₹-375 Cr.
- ▸Debt/equity is 4.95.
- ▸Altman Z is 0.36.
- ▸3 latest quarters had PAT decline worse than 25% YoY.
Trust Lite uses financial behaviour only. Prefer claim-tested Trust when enough concall claims have later outcomes.
Continue researching Muthoot Capital Services Limited
Important announcements & filings
Latest exchange and company disclosures found within the past two years.
Open source ↗
Announcement
Announcement under Regulation 30 (LODR)-Allotment 23 Sep - Approved allotment of 15,000 NCDs worth up to ₹150 crore at 9.25% for 24 months.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Issue of Securities 16 Sep - Board approved private placement of NCDs up to ₹150 crore at 9.25% coupon for 24 months.
Source: Bse
Announcement
Announcement under Regulation 30 (LODR)-Newspaper Publication 1 Sep - Newspaper Publication w.r.t acceptance/renewal of Fixed Deposits
Source: Bse
Annual report
Annual Report 2026
Source: Bse
Annual report
Annual Report 2025
Source: Bse
All information is for study purposes only. For investment decisions, consult your financial advisor. See Playbook for methodology.