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Muthoot FinanceBOM:533398 +2.45%78 PEG Ratio is 0.50 as of Sep. 21, 2026, which is 43% below its 10-year median of 0.87. GuruFocus rates BOM:533398 with a GF Score™ of 78/100 and a GF Value™ of ₹3,931.02 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 236 Credit Services companies, Muthoot Finance ranks better than 62.71% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Muthoot Finance's PEG Ratio or its related term are showing as below:
BOM:533398'
s PEG Ratio Range Over the Past 10 Years
Min: 0.51 Med: 0.87 Max: 1.19
Current: 0.53
During the past 13 years, Muthoot Finance's highest PEG Ratio was 1.19. The lowest was 0.51. And the median was 0.87.
BOM:533398's PEG Ratio is ranked better than 62.71% of 236
companies
in the Credit Services industry
Industry Median: 0.805
vs BOM:533398: 0.53
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Muthoot Finance (BOM:533398) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Muthoot Finance PEG Ratio Related Terms
Muthoot Finance PEG Ratio Historical Data
* Premium members only.
The historical data trend for Muthoot Finance's PEG Ratio 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.
For the Credit Services subindustry, Muthoot Finance's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Finance's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Muthoot Finance's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Muthoot Finance (BOM:533398) has a PEG Ratio of 0.50 as of Sep. 21, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Muthoot Finance and its competitors. This is 43% below median its historical median of 0.87. Over the past decade, Muthoot Finance's PEG Ratio has ranged from 0.51 to 1.19. According to the industry distribution chart, Muthoot Finance ranks #88 out of 236 companies in the Credit Services industry, placing it in the top 37.3%.
Is Muthoot Finance's PEG Ratio too high?
Muthoot Finance's current PEG Ratio of 0.50 is 43% below median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 1.19. The Credit Services industry median PEG Ratio is 0.81. Muthoot Finance's value of 0.50 is 37.9% below this industry median. Based on the distribution chart, Muthoot Finance ranks #88 out of 236 companies in the Credit Services industry, which is above the industry midpoint. 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 PEG Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Finance ranks #88 out of 236 companies for PEG Ratio. This puts Muthoot Finance in the upper half of its industry. The industry median PEG Ratio is 0.81. Muthoot Finance's value of 0.50 is 37.9% below this benchmark. Historically, Muthoot Finance's own PEG Ratio has ranged from 0.51 to 1.19 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 0.81, Muthoot Finance has consistently been below 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 PEG Ratio for a Credit Services company?
The median PEG Ratio among Credit Services companies is 0.81, based on 236 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muthoot Finance's current PEG Ratio of 0.50 is 37.9% below 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Muthoot Finance and its competitors. For the Credit Services industry, the median PEG Ratio is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muthoot Finance's current PEG Ratio is 0.50, which is 43% below median its own 10-year median of 0.87. 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 (BOM:533398) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹3,931.02, compared to a current price of ₹2,840.00 — trading 27.8% below its estimated fair value. The current PEG Ratio is 0.50, which is 43% below median its 10-year median of 0.87 and 37.9% below the Credit Services industry median of 0.81. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Muthoot Finance (BOM:533398), the current PEG Ratio is 0.50 as of Sep. 21, 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 (BOM:533398) Overvalued in 2026?
Based on GuruFocus' analysis, Muthoot Finance stock appears to be undervalued.
The current stock price of ₹2,840.00 is trading 27.8% below its estimated GF Value™ of ₹3,931.02.
GuruFocus considers Muthoot Finance to be Modestly Undervalued.
Key valuation signals for BOM:533398:
PEG Ratio: 0.50 (43% below median its 10-year median of 0.87)
GF Value™: ₹3,931.02 vs. price of ₹2,840.00 (27.8% below fair value)
Industry Position: 37.9% below the Credit Services median (#88 of 236)
No single metric tells the full story. See the BOM:533398 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
Get the complete analysis for BOM:533398
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