Muthoot Finance (NSE:MUTHOOTFIN) Moat Score: 0/10 (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NSE:MUTHOOTFIN Muthoot Finance Ltd NSE:MUTHOOTFIN
78 GF Score
Price ₹2,841.10
GF Value ₹3,501.47
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Muthoot Finance Moat Score?

Muthoot Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Muthoot Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Muthoot Finance might have No Moat - No discernible moat.

Muthoot Finance  (NSE:MUTHOOTFIN) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Muthoot Finance Moat Score Related Terms

NSE:MUTHOOTFIN
78GF Score
Muthoot Finance Ltd NSE:MUTHOOTFIN
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Muthoot Finance (NSE:MUTHOOTFIN) Overvalued in 2026?

Based on GuruFocus' analysis, Muthoot Finance stock appears to be undervalued. The current stock price of ₹2,841.10 is trading 18.9% below its estimated GF Value™ of ₹3,501.47. GuruFocus considers Muthoot Finance to be Modestly Undervalued.

Key valuation signals for NSE:MUTHOOTFIN:

  • Moat Score: 0
  • GF Value™: ₹3,501.47 vs. price of ₹2,841.10 (18.9% below fair value)
  • GF Score™: 78/100 with 4 warning signs

No single metric tells the full story. See the NSE:MUTHOOTFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Muthoot Finance Business Description

Other Exchanges 533398:India
Address Banerji Road, Ernakulam, 2nd Floor, Muthoot Chambers, Opposite Saritha Theatre Complex, Kochi, KL, IND, 682 018
Muthoot Finance Ltd is a non-deposit-taking, non-banking financial company with thousands of branches in India. The company's main business is providing personal and business loans to individuals who do not have access to formal credit. The loans are typically secured by gold jewelry. The company also offers some microfinance loans and housing loans to customer segments and areas that are underserved by banks. Interest income accounts for nearly all the company's revenue. It has operations in Sri Lanka and India, with India providing almost all the company's revenue.
78GF Score

Get the complete analysis for NSE:MUTHOOTFIN

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹2,841.10
Price
₹3,501.47
GF Value