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Muthoot FinanceNSE:MUTHOOTFIN +2.56%78 Net Margin % is 32.19% as of Jun. 2026, which is 30% below its 10-year median of 45.82. GuruFocus rates NSE:MUTHOOTFIN with a GF Score™ of 78/100 and a GF Value™ of ₹3,501.47 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 542 Credit Services companies, Muthoot Finance ranks better than 86.35% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Muthoot Finance's Net Income for the
three
months ended in Jun. 2026 was ₹27,991 Mil. Muthoot Finance's Revenue for the
three
months ended in Jun. 2026 was ₹86,948 Mil. Therefore, Muthoot Finance's net margin for the quarter that ended in Jun. 2026 was 32.19%.
The historical rank and industry rank for Muthoot Finance's Net Margin % or its related term are showing as below:
NSE:MUTHOOTFIN'
s Net Margin % Range Over the Past 10 Years
Min: 33.33 Med: 45.82 Max: 53.01
Current: 53.01
NSE:MUTHOOTFIN's Net Margin % is ranked better than 86.35% of 542
companies
in the Credit Services industry
Industry Median: 15.535
vs NSE:MUTHOOTFIN: 53.01
Muthoot Finance (NSE:MUTHOOTFIN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Muthoot Finance Net Margin % Related Terms
Muthoot Finance Net Margin % Historical Data
* Premium members only.
The historical data trend for Muthoot Finance's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:MUTHOOTFIN vs V, MA, AXP: Net Margin % Comparison
For the Credit Services subindustry, Muthoot Finance's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Muthoot Finance Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Finance's Net Margin % distribution charts can be found below:
* The bar in red indicates where Muthoot Finance's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Muthoot Finance (NSE:MUTHOOTFIN) has a Net Margin % of 32.19% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Muthoot Finance and its competitors. This is 30% below median its historical median of 45.82. Over the past decade, Muthoot Finance's Net Margin % has ranged from 33.33 to 53.01. According to the industry distribution chart, Muthoot Finance ranks #74 out of 542 companies in the Credit Services industry, placing it in the top 13.7%.
Is Muthoot Finance's Net Margin % too high?
Muthoot Finance's current Net Margin % of 32.19% is 30% below median its 10-year median of 45.82. Over the past 10 years, this metric has ranged from a low of 33.33 to a high of 53.01. The Credit Services industry median Net Margin % is 15.54. Muthoot Finance's value of 32.19% is 107.2% above this industry median. Based on the distribution chart, Muthoot Finance ranks #74 out of 542 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Muthoot Finance has a GF Score™ of 78/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Muthoot Finance's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Finance ranks #74 out of 542 companies for Net Margin %. This places Muthoot Finance in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.54. Muthoot Finance's value of 32.19% is 107.2% above this benchmark. Historically, Muthoot Finance's own Net Margin % has ranged from 33.33 to 53.01 over the past decade. While the company's 10-year median is 45.82 vs. the industry median of 15.54, Muthoot Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.54, based on 542 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muthoot Finance's current Net Margin % of 32.19% is 107.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Muthoot Finance and its competitors. For the Credit Services industry, the median Net Margin % is 15.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muthoot Finance's current Net Margin % is 32.19%, which is 30% below median its own 10-year median of 45.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Muthoot Finance stock overvalued right now?
Based on GuruFocus' analysis, Muthoot Finance (NSE:MUTHOOTFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹3,501.47, compared to a current price of ₹2,841.10 — trading 18.9% below its estimated fair value. The current Net Margin % is 32.19%, which is 30% below median its 10-year median of 45.82 and 107.2% above the Credit Services industry median of 15.54. Muthoot Finance's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Muthoot Finance (NSE:MUTHOOTFIN), the current Net Margin % is 32.19% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
Net Margin %: 32.19% (30% below median its 10-year median of 45.82)
GF Value™: ₹3,501.47 vs. price of ₹2,841.10 (18.9% below fair value)
Industry Position: 107.2% above the Credit Services median (#74 of 542)
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 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
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