Muthoot Finance Credit Ratings & Financial Analysis
Ⓡ
PROFITABILITY RATIOS
Yearly
(%) Quarterly
Muthoot Finance
(%)
(Based on Income) Mar-20* Mar-19* Mar-18* Mar-17 Mar-16 Mar-15 Mar-14 Mar-13 Q3 FY Q3 FY Q2 FY Q1 FY 19M FY 19M FY
2021 2020* 2021* 2021* 2021* : 2020*
Interest expense to
Gross Income
32.00 32.51 30.50 39.92 46.31 48.71 53.08 52.34
34.06
30.57 35.76 36.53:35.39 31.98
Selling, general and
administrative expenses 29.26 32.24 28.93 34.88 41.36 48.26 44.66 35.89
to Net Income
23.32 27.50 26.40 24.04:24.56 28.32
Provisions & Write Offs
to Net Income
1.61
0.59 5.44 8.16 6.20
1.67 1.89 3.49
3.20 3.80 0.64 0.96 1.68 2.12
Operational expenses
to Net Income
30.87 32.84 34.38 43.03 47.56 49.93 46.55 39.37
26.51
31.30 27.04 25.00 26.23 30.43
OPBDT Net Income
69.13 67.16 65.62 56.97 52.44 50.06 53.45 60.62
73.49
68.70 72.96 75.00 73.77
69.57
Depreciation to Net
Income
0.73
0.90 1.00 1.33 2.13 3.72
2.03 1.76
0.77
0.68 0.69 0.65 0.71
0.72
OPBT/Net Income
68.40 66.26 64.63 55.63 50.31 46.34 51.42 58.86
72.72
68.02 72.27 74.34 73.06
68.85
PBT Net Income
68.40 66.26 64.63 55.63 50.31 46.34 51.42 58.86
72.72
68.02 72.27 74.34 73.06
68.85
PAT Net Income
50.88 42.47 40.38 34.17 30.93 30.23 33.60 39.11
*Under IND-AS
54.15 50.59 53.86 55.54:54.47
51.24
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