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MUTHOOTFIN
Muthoot Finance LimitedSnapshot 2026-06-07 · 0.0w · Fresh
Strategy Eligibility
3 of 23 passing
★
OS Composite
✗
↗
Trending Value
✗
◆
Quality × Value
✗
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
✗
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
12-1 45%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
✗
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
RAM 1.57
V
Value Analysis
Cheapness relative to fundamentals
37.0%ile
P/E
12.0×
P/S
6.2×
P/B
3.2×
E/P
0.0837
FCF Yield
-0.180
SH Yield
0.008
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
62.00000000
/100 — 1=cheapest
VC2 (Trending Value)
34.00000000
/100
VC3 (Buyback)
36.00000000
/100
P/E of 12.0x places this firmly in deep value territory. Negative FCF yield (-18.0%) — the business is currently cash-consumptive.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
15.0%ile
ROE
0.271
ROA
0.054
Net Margin
0.520
F-Score
3/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.577
Earn Growth
0.986
Stability
0.297
lower=better
Accruals
0.296
lower=better
5yr Consist
Yes
ROE of 27% is exceptional. Accruals ratio of 0.296 is elevated — earnings quality may be lower than headline numbers suggest.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
90.0%ile
6M Return
-16.3%
12M Return
30.0%
12-1 Mom
45.5%
Risk-Adj
1.57
Vol 252d
29.0%
Vol 60d
68.3%
↑ Expanding
Max DD 12M
-19.2%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 45% is very strong — a clear uptrend. Risk-adjusted momentum of 1.57 is excellent — strong returns relative to volatility. Near-term vol (68%) is expanding vs long-term (29%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.38
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services
· 237 peers
Sector Value %ile
38.2%
Sector Quality %ile
30.7%
P/E z-score
-0.36
P/B z-score
-0.06
Sector Avg OS
48.2%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
| Symbol | Name | OS | Value | Quality | Momentum |
|---|---|---|---|---|---|
| DCBBANK | 99.0% | 94.0% | 87.0% | 86.0% | |
| SOUTHBANK | 98.0% | 92.0% | 67.0% | 93.0% | |
| INDIANB | 98.0% | 89.0% | 76.0% | 90.0% | |
| JPOLYINVST | 98.0% | 84.0% | 93.0% | 89.0% | |
| CANBK | 97.0% | 90.0% | 67.0% | 85.0% | |
| BANKBARODA | 97.0% | 94.0% | 70.0% | 76.0% | |
| DHANBANK | 97.0% | 93.0% | 76.0% | 74.0% | |
| PNB | 96.0% | 93.0% | 70.0% | 71.0% |
Factor Interactions
Growth at Reasonable Price
Revenue growing 58% with P/E of 12×. Growth isn't fully priced in.
Earnings Quality Concern
ROE looks strong (27%) but high accruals (0.296) suggests earnings are accrual-heavy, not cash-backed.
Volatility Expanding
60-day vol (68%) significantly exceeds 252-day (29%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
47.3% avg (6 factors)
Quality
C
51.1% avg (4 factors)
Momentum
B
60.5% avg (4 factors)
Risk
B
68.4% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
| Factor | Current | Streak | Trend | Spark |
|---|---|---|---|---|
| OS Composite | 0.380 | —0 | — | |
| Value %ile | 0.370 | —0 | — | |
| Quality %ile | 0.150 | —1 | — | |
| Momentum %ile | 0.900 | —1 | — | |
| F-Score | 3.000 | —1 | — | |
| Confidence | 0.727 | —1 | — | |
| Volatility | 0.290 | —0 | — |
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
11.95
Earnings Yield (E/P)
0.0837
Price / Sales
6.22
Price / Book
3.24
FCF Yield
-18.0%
Sales Yield (1/P·S)
0.0769
Shareholder Yield
Div + net buyback / mktcap
0.8%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
27.1%
Return on Assets
5.4%
Net Margin
52.0%
Accruals Ratio
(NI-OCF)/Assets — lower=better
0.296
MomentumPrice trend strength over different horizons
6M Return
-16.3%
12M Return
30.0%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
45.5%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.57
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
57.7%
Earnings Growth (YoY)
98.6%
Earnings Stability (CV)
Lower = more stable
0.297
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
3
Dividend Yield
0.8%
Buyback Yield
-0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
62
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
34
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
36
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity