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.
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.
Muthoot FinanceBOM:533398 +2.45%78 PE Ratio (TTM) is 10.03 as of Sep. 20, 2026, which is 32% below its 10-year median of 14.84. 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 413 Credit Services companies, Muthoot Finance ranks better than 62.23% on this metric.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-09-20), Muthoot Finance's share price is
₹2840.00.
Muthoot Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹283.29. Therefore, Muthoot Finance's PE Ratio (TTM) for today is 10.03.
Good Sign:
Muthoot Finance Ltd stock PE Ratio (=9.86) is close to 5-year low of 9.84.
The historical rank and industry rank for Muthoot Finance's PE Ratio (TTM) or its related term are showing as below:
BOM:533398'
s PE Ratio (TTM) Range Over the Past 10 Years
Min: 7.75 Med: 14.84 Max: 109.93
Current: 10.02
During the past 13 years, the highest PE Ratio (TTM) of Muthoot Finance was 109.93. The lowest was 7.75. And the median was 14.84.
BOM:533398's PE Ratio (TTM) is ranked better than 62.23% of 413
companies
in the Credit Services industry
Industry Median: 12.74
vs BOM:533398: 10.02
During the past 12 months, Muthoot Finance's average EPS without NRIGrowth Rate was 83.90% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was 43.10% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 19.20% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 23.00% per year.
During the past 13 years, Muthoot Finance's highest 3-Year average EPS without NRI Growth Rate was 109.80% per year. The lowest was -11.50% per year. And the median was 32.25% per year.
Muthoot Finance's EPS (Basic) for the
three
months ended in Jun. 2026 was ₹69.72.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹283.29.
Muthoot Finance (BOM:533398) PE Ratio (TTM) Explanation
The PE Ratio (TTM) can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio (TTM) is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.
In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio (TTM) is positive. Also for stocks with the same PE Ratio (TTM), the one with faster growth business is more attractive.
If a company loses money, the PE Ratio (TTM) becomes meaningless.
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio (TTM) divided by the growth ratio. He thinks a company with a PE Ratio (TTM) equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio (TTM) of 20, instead of a company growing 10% a year with a PE Ratio (TTM) of 10.
Because the PE Ratio (TTM) measures how long it takes to earn back the price you pay, the PE Ratio (TTM) can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.
Investors need to be aware that the PE Ratio (TTM) can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratio (TTM)s are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio (TTM) is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio .
PE Ratio (TTM) can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio (TTM).
Muthoot Finance PE Ratio (TTM) Related Terms
Muthoot Finance PE Ratio (TTM) Historical Data
* Premium members only.
The historical data trend for Muthoot Finance's PE Ratio (TTM) 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.
BOM:533398 vs V, MA, AXP: PE Ratio (TTM) Comparison
For the Credit Services subindustry, Muthoot Finance's PE Ratio (TTM), along with its competitors' market caps and PE Ratio (TTM) 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 PE Ratio (TTM) vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Muthoot Finance's PE Ratio (TTM) distribution charts can be found below:
* The bar in red indicates where Muthoot Finance's PE Ratio (TTM) falls into.
The PE Ratio (TTM), or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.
Muthoot Finance's Share Price of today is ₹2840.00.
Muthoot Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹283.29.
* 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.
It can also be calculated from the numbers for the whole company:
There are at least three kinds of PE Ratio (TTM)s used by different investors. They are Trailing Twelve Month PE Ratio (TTM) or PE Ratio (TTM) (TTM), Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio (TTM) based on inflation-adjusted normalized PE Ratio (TTM) is called Shiller PE Ratio, after Yale professor Robert Shiller.
In the calculation of PE Ratio (TTM), the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.
Muthoot Finance (BOM:533398) has a PE Ratio (TTM) of 10.03 as of Sep. 20, 2026. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Muthoot Finance and its competitors. This is 32% below median its historical median of 14.84. Over the past decade, Muthoot Finance's PE Ratio (TTM) has ranged from 7.75 to 109.93. According to the industry distribution chart, Muthoot Finance ranks #156 out of 413 companies in the Credit Services industry, placing it in the top 37.8%.
Is Muthoot Finance's PE Ratio (TTM) too high?
Muthoot Finance's current PE Ratio (TTM) of 10.03 is 32% below median its 10-year median of 14.84. Over the past 10 years, this metric has ranged from a low of 7.75 to a high of 109.93. The Credit Services industry median PE Ratio (TTM) is 12.74. Muthoot Finance's value of 10.03 is 21.3% below this industry median. Based on the distribution chart, Muthoot Finance ranks #156 out of 413 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 PE Ratio (TTM) compare to V and MA?
According to the Credit Services industry distribution chart, Muthoot Finance ranks #156 out of 413 companies for PE Ratio (TTM). This puts Muthoot Finance in the upper half of its industry. The industry median PE Ratio (TTM) is 12.74. Muthoot Finance's value of 10.03 is 21.3% below this benchmark. Historically, Muthoot Finance's own PE Ratio (TTM) has ranged from 7.75 to 109.93 over the past decade. While the company's 10-year median is 14.84 vs. the industry median of 12.74, 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 PE Ratio (TTM) for a Credit Services company?
The median PE Ratio (TTM) among Credit Services companies is 12.74, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a PE Ratio (TTM) significantly above this median, while those in the bottom quartile fall well below. However, PE Ratio (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Muthoot Finance's current PE Ratio (TTM) of 10.03 is 21.3% 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 PE Ratio (TTM) mean?
A high PE Ratio (TTM) can signal that a stock is expensive relative to its fundamentals. Trailing 12-month P/E ratio is the ratio of share price to a company's trailing 12-month earnings per share. View historical data on Muthoot Finance and its competitors. For the Credit Services industry, the median PE Ratio (TTM) is 12.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Muthoot Finance's current PE Ratio (TTM) is 10.03, which is 32% below median its own 10-year median of 14.84. 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 PE Ratio (TTM) is 10.03, which is 32% below median its 10-year median of 14.84 and 21.3% below the Credit Services industry median of 12.74. 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 PE Ratio (TTM) calculated?
PE Ratio (TTM) is calculated from a company's financial statements. For Muthoot Finance (BOM:533398), the current PE Ratio (TTM) is 10.03 as of Sep. 20, 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:
PE Ratio (TTM): 10.03 (32% below median its 10-year median of 14.84)
GF Value™: ₹3,931.02 vs. price of ₹2,840.00 (27.8% below fair value)
Industry Position: 21.3% below the Credit Services median (#156 of 413)
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
PE Ratio (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:533398 has been successfully added to your 
