Mahindra & Mahindra Financial Services Ltd.

SECTOR: Finance - NBFC

148.8
₹ -5.8 (-3.75%)
Today's High: 156.75 Today's Low : 147
52 Week High: 432.90 52 Week Low : 125.40
 FinStar
FinStar Indicates the overall health and quality of a stock based on Finology Research.
Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyPoor
The company seems highly inefficient in case of asset management.
FinancialsVery Stable
The company possesses stable growth history and sound margins.

 Company Essentials

Market Cap

9192.3426048 Cr.

P/E

10.14

P/B

0.81

Face Value

₹2

Div. Yield

4.77%

Book Value (TTM)

183.9589

Advances

0 Cr.

Operating Revenue

958.492 Cr.

Net Profit

734.119 Cr.

Promoter Holding

51.19%

EPS (TTM)

14.6723

Sales Growth

31.50 %

ROE

15.21 %

ROCE

11.86 %

Profit Growth

44.70 %

No. of Shares

61.776496 Cr.

Add your own Ratio
* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

 Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

 Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

 Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Income Growth

1 Year31.5%
3 Year14.22%
5 Year12.13%

 Profit Growth

1 Year44.7%
3 Year32.29%
5 Year11.91%

 ROE

1 Year15.21%
3 Year11.67%
5 Year12.4%

 ROCE

1 Year11.86%
3 Year10.6%
5 Year11%

 ROA%

2.62

 PEG Ratio

0.23

  PAT Margin (%)

17.85

 EPS Growth(%)

44.6

 Share Holding Pattern

 Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 51.19 0
Dec 2019 51.19 0
Sep 2019 51.19 0
Jun 2019 51.19 0
Mar 2019 51.19 0
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 14.2239037163051%.
  • Promoters shareholding is 51.19%.

 Limitations

  • Provision and contingencies have increased by 69.5503855458119%.

 Quarterly Result (All Figures are in Crores.)

Particulars Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020
Operating Revenue 2455.19 2394.01 2486.37 2580.6 2636.88
Other Income 24.35 18.5 54.48 35.42 38.89
Interest Expended 1144.33 1128.21 1202.2 1208.86 1289.48
Operating Expenses 423.16 1145.27 844.36 882.75 1081.96
Total Provisions 0 0 0 0 0
Depreciation 17.3 34.33 35.91 36.21 11.84
Profit Before Tax 894.74 104.7 458.39 488.19 292.49
Tax 306.78 36.27 206.61 122.91 71.57
Net Profit 587.97 68.43 251.77 365.28 220.92

 Profit & Loss (All Figures are in Crores except Adjusted EPS in Rs.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Operating Income 5536.06 5853.16 6173.91 6633.47 8722.91
Other Income 48.65 51.94 63.64 514.55 1216.66
Interest 2496.73 2639.29 2857.43 3081.62 3944.56
Adjusted EPS 15 12 7 18 25
Total Provisions 852.37 1078.59 1339.61 1058.24 1794.25
PBT & Exceptionals 1253.64 1038.18 620.07 1601.85 2382.44
Exceptional Items 0 0 0 64.97 0
Profit Before Tax 1253.64 1038.18 620.07 1666.82 2382.44
Operating Expenses 981.97 1149.04 1420.44 1406.31 1818.32
Profit After Tax 831.78 672.6 400.23 1076.09 1557.06

 Balance Sheet (All Figures are in Crores.)

Particulars Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity and Liabilities
Share Capital 112.83 112.92 113.01 122.9 122.98
Total Reserves 5556.58 5975.19 6364.24 9499.02 10785.05
Borrowings 14787.15 17331.68 21412.4 16215.88 26742.71
Other N/C liabilities 215.18 295.56 244.64 -390.61 -66
Current liabilities 13987.15 15278.86 16970.89 26718.11 29121.53
Total Liabilities 34658.88 38994.2 45105.17 52165.3 66706.26
Assets
Loans 16846.06 18301.68 22005.51 0 0
Net Block 109.74 113.47 111.52 119.66 163.06
Capital WIP 0.32 0.02 0.49 0 0
Investments 759.92 992.33 1311.73 2318.86 2511.95
Other Loans 99.25 174.36 204.41 233.13 325.5
Other N/C Assets 290.41 102.2 146.37 21.67 33.67
Current Assets 16553.19 19310.15 21325.14 49471.99 63672.08
Total Assets 34658.88 38994.2 45105.17 52165.3 66706.26
* Other Non-current Liabilities include Net deferred Liabilities

 Corporate Actions

 Ratings & Research Reports

 Company Presentations

 Mah & Mah Finl. Serv Stock Price Analysis and Quick Research Report

Is Mah & Mah Finl. Serv an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Mah & Mah Finl. Serv better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 17.85 Cr and the compounded growth of profit in the past 3 years is 10.0493218249075 %. The PAT margin of Mah & Mah Finl. Serv is 17.8502787476187 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Mah & Mah Finl. Serv , the EPS grew by 44.6 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Mah & Mah Finl. Serv is at 15.2095799527586 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Mah & Mah Finl. Serv is worth at the current levels at Rs 136.2. The stock is trading at a current P/E ratio of 16.62 and the average historical P/E for the last 5 years was 25.004.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Mah & Mah Finl. Serv is trading at a P/B of 2.38025298850492 . The average historical P/B for the last 5 years was 2.578. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

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