MAS Financial Serv
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MAS Financial Serv share price

MAS Financial Services Ltd.

NSE: MASFIN BSE: 540749 SECTOR: Finance Term Lending  69.82 K   193   40

306.80
+2.90 (0.95%)
NSE: Today, 09:34 AM

Price Summary

Today's High

₹ 307.95

Today's Low

₹ 302.5

52 Week High

₹ 350.45

52 Week Low

₹ 220.06

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 5566.99 Cr.

Advances

₹ 7264.83 Cr.

No. of Shares

18.15 Cr.

P/E

17.43

P/B

2.09

Face Value

₹ 10

Div. Yield

0.56 %

Book Value (TTM)

₹  147.13

Operating Revenue

₹ 1217.15 Cr.

Net Profit

₹ 247.75 Cr.

Promoter Holding

66.63 %

EPS (TTM)

₹  17.6

Sales Growth

29.92

ROE

15.13 %

ROCE

11.82%

Profit Growth

23.28 %

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

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year29.92%
3 Year27.07%
5 Year16.29%

Profit Growth

1 Year23.28%
3 Year19.96%
5 Year10.25%

ROE%

1 Year15.13%
3 Year13.93%
5 Year14.55%

ROCE %

1 Year11.82%
3 Year11.31%
5 Year12.17%

ROA%

2.9313

PEG Ratio

NA

PAT Margin (%)

20.3549

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 66.63 0.00
Mar 2025 66.63 0.00
Dec 2024 66.63 0.00
Sep 2024 66.63 0.00
Jun 2024 66.63 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 27.0676855075345%.
  • The company has delivered substantial profit growth of 19.963987881667% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 24.0562074900908%.
  • Promoters shareholding is 66.63%.

 Limitations

  • Provision and contingencies have increased by 64.3630308076603%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 345.92 365.05 389.71 416.51 443.41
Other Income 0.91 1.9 0.38 0.4 0.36
Interest Expended 171.77 175.4 184.54 191 206.18
Operating Expenses 79.56 88.29 99.18 115.7 123.69
Total Provisions 0 0 0 0 0
Depreciation 1.11 1.19 1.27 1.34 1.47
Profit Before Tax 94.39 102.07 105.1 108.87 112.43
Tax 23.96 25.5 26.99 28.05 28.53
Net Profit 70.43 76.57 78.11 80.82 83.9
Adjusted EPS (RS) 4.29 4.22 4.3 4.45 4.62

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 672 593.25 655.57 936.85 1217.15
Other Income 0.73 0.65 1.51 3.31 7.73
Interest 274.56 265.94 320.94 478.41 623.77
Operating Expenses 81.91 50.71 84.27 137 170.99
Total Provisions 88.09 84.36 40.57 60.05 98.7
Exceptional Items 0 0 0 0 0
Profit Before Tax 228.16 192.89 211.3 264.7 331.42
Tax 61.61 49.39 53.75 63.74 83.67
Profit After Tax 166.55 143.5 157.55 200.96 247.75
Adjusted EPS (Rs.) 10.16 8.75 9.61 12.26 15.11

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 54.66 54.66 54.66 54.66 163.99
Total Reserves 926.24 1117.91 1285.93 1451.07 1604.97
Borrowings 1337.16 1822.63 2661.14 4533.08 5934.83
Other N/C liabilities 606.94 376.58 283.27 -18.22 -9.97
Current liabilities 1904.68 2053.92 2099.44 1704.93 1484.56
Total Liabilities 4829.68 5425.7 6384.44 7725.52 9178.38
Assets
Loans 3348.47 3805.13 4553.8 5910.16 7264.83
Net Block 13.38 11.28 13.14 16.04 22.46
Capital WIP 48.21 50.03 52.04 57.66 69.8
Intangible WIP 0 0 0.04 0.33 0.24
Investments 32.5 198.35 485.96 347.7 278.5
Other Loans 0 0 0 0 0
Other N/C Assets 0 0 0 0 0
Current Assets 1387.12 1360.92 1279.46 1393.63 1542.55
Total Assets 4829.68 5425.7 6384.44 7725.52 9178.38
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 66.63 66.63 66.63 66.63 66.63
anamaya capital llp 0.17 0.17 0.17 0.17 0.17
dhriti kamlesh gandhi 0.02 0.02 0.02 0.02 0.02
dhvanil k gandhi 0.06 0.06 0.06 0.06 0.06
kamlesh chimanlal gandhi 10.48 10.48 10.48 10.48 10.48
late mukesh chimanlal gan... 26.71 26.71 26.71 26.71 26.71
prarthana marketing priva... 2.18 2.18 2.18 2.18 2.18
shweta kamlesh gandhi 27.01 27.01 27.01 27.01 27.01
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 33.37 33.37 33.37 33.37 33.37
bandhan value fund - - - - 3.91
bavaria industries group ... - - 1.20 1.33 1.33
business excellence trust... 6.69 6.69 6.69 6.69 6.69
llp 0.03 0.03 0.03 0.03 0.04
nippon life india trustee... 3.37 3.53 4.27 5.29 6.58
axis mutual fund trustee ... 3.37 3.37 2.98 2.01 -
bandhan sterling value fu... 3.50 3.75 3.82 3.90 -

Annual Reports

Title Link
Title Link
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY Link
TYPE AGENCY Link
Credit CARE
Credit ICRA
Credit SMERA
Credit CARE
Credit ICRA
Credit FITCH
TYPE AGENCY Link
TYPE AGENCY Link
Research Nuvama Wealth
Research HDFC Securities
Research HDFC Securities
Research HDFC Securities
Research Motilal Oswal

Concalls & Presentations

TYPE QUARTER Link
TYPE QUARTER Link
Concall Q4FY24
Concall Q4FY20
Concall Q3FY25
Concall Q3FY24
Concall Q2FY21
Concall Q1FY25
Concall Q1FY21
TYPE QUARTER Link
TYPE QUARTER Link
Presentation Q4FY24
Presentation Q4FY21
Presentation Q4FY20
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY22
Presentation Q3FY21
Presentation Q3FY20
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q1FY24
Presentation Q1FY22
Presentation Q1FY21
Presentation Q1FY20

Company News

MAS Financial Services informs about disclosure 28 Jul, 11:10 AM MAS Financial Services informs about newspaper advertisement 25 Jul, 4:48 PM MAS Financial Services reports 19% rise in Q1 consolidated net profit 24 Jul, 11:51 AM MAS Financial Serv - Quaterly Results 23 Jul, 2:47 PM MAS Financial Serv - Quaterly Results 23 Jul, 2:47 PM MAS Financial Serv - Quaterly Results 23 Jul, 2:47 PM MAS Financial Services informs about disclosure 17 Jul, 4:29 PM MAS Financial Serv - Quaterly Results 30 Apr, 3:52 PM MAS Financial Serv - Quaterly Results 30 Apr, 3:52 PM MAS Financial Serv - Quaterly Results 30 Apr, 3:52 PM MAS Financial Services informs about trading window closure 29 Mar, 1:59 PM MAS Financial Services invests Rs 15 crore in MRHMFL 24 Mar, 3:30 PM MAS Financial Services informs about outcome of board meeting 21 Mar, 2:46 PM MAS Financial Services gets ESG rating of ‘CareEdge-ESG 2’ with rating score of 61.4 30 Jan, 11:49 AM Mas Financial Services informs about press release 29 Jan, 5:16 PM MAS Financial Services informs about integrated filing 29 Jan, 5:12 PM MAS Financial Service informs about outcome of board meeting 29 Jan, 5:10 PM MAS Financial Serv - Quaterly Results 29 Jan, 1:57 PM MAS Financial Serv - Quaterly Results 29 Jan, 1:57 PM MAS Financial Serv - Quaterly Results 29 Jan, 1:57 PM MAS Financial Services informs about change in name of RTA 2 Jan, 12:19 PM MAS Financial Serv - Quaterly Results 23 Oct, 3:52 PM MAS Financial Serv - Quaterly Results 23 Oct, 3:52 PM MAS Financial Serv - Quaterly Results 23 Oct, 3:52 PM MAS Financial Services enters into strategic co-lending partnership with UCO Bank 22 Oct, 10:14 AM MAS Financial Services informs about investors meetings 19 Sep, 1:04 PM MAS Financial Services informs about press release 11 Sep, 3:55 PM MAS Financial Services informs about newspaper advertisement 16 Aug, 11:45 AM MAS Financial Serv - Quaterly Results 24 Jul, 4:11 PM MAS Financial Serv - Quaterly Results 24 Jul, 4:11 PM MAS Financial Serv - Quaterly Results 24 Jul, 4:11 PM MAS Financial Services raises Rs 500 crore through QIP 24 Jun, 10:14 AM MAS Financial Services informs about press release 24 Jun, 10:08 AM Mas Financial Services informs about outcome of committee meet 22 Jun, 12:22 PM MAS Financial Services informs about outcome of committee meeting 22 Jun, 11:25 AM MAS Financial Services launches qualified institutional placement 20 Jun, 10:59 AM Mas Financial Services informs about newspaper advertisement 19 Jun, 5:24 PM MAS Financial Services raises Rs 100 crore through NCDs 6 Jun, 5:43 PM MAS Financial Serv - Quaterly Results 24 Apr, 4:40 PM MAS Financial Serv - Quaterly Results 24 Apr, 4:40 PM MAS Financial Serv - Quaterly Results 24 Apr, 4:40 PM MAS Financial Services informs about allotment of bonus shares 24 Feb, 3:42 PM MAS Financial Services raises Rs 125 crore through NCDs 22 Feb, 10:30 AM MAS Financial Serv - Quaterly Results 24 Jan, 2:21 PM MAS Financial Serv - Quaterly Results 24 Jan, 2:21 PM MAS Financial Serv - Quaterly Results 24 Jan, 2:21 PM MAS Financial Services raises Rs 100 crore via NCDs 16 Jan, 6:01 PM MAS Financial Services raises Rs 25 crore through NCDs 21 Dec, 5:59 PM MAS Financial Services raises Rs 25 crore through NCDs 8 Dec, 6:17 PM MAS Financial Serv - Quaterly Results 1 Nov, 2:34 PM

MAS Financial Serv Stock Price Analysis and Quick Research Report. Is MAS Financial 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.

MAS Financial Serv stock price today is Rs 302.5. To understand the functions of the MAS Financial 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 247.75 Cr and the compounded growth of profit in the past 3 years is 19.9637695217226 %. The PAT margin of MAS Financial Serv is 20.3549 %.

  • 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 MAS Financial Serv , the EPS grew by 23.275 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of MAS Financial Serv is at 15.1312 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of MAS Financial Serv is worth at the current levels at Rs 302.5. The stock is trading at a current P/E ratio of 18.8217 and the average historical P/E for the last 5 years was 21.8081178655426.

  • Share Price: - The current share price of MAS Financial Serv is Rs 302.5. One can use valuation calculators of ticker to know if MAS Financial Serv share price is undervalued or overvalued.

  • P/B ratio can be one of the best metrics to value such companies. Currently, MAS Financial Serv is trading at a P/B of 2.0635 . The average historical P/B for the last 5 years was 2.92971255536131. 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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Brief about MAS Financial Serv

MAS Financial Services Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

MAS Financial Services Ltd. is a leading non-banking financial company (NBFC) that provides a wide range of financial services to micro, small, and medium enterprises (MSMEs) and retail customers. Established in 1995, the company has emerged as a trusted name in the financial sector with a strong presence in multiple states across India.

MAS Financial Services Ltd. - Share Price

The share price of MAS Financial Services Ltd. reflects the market valuation of the company's stocks. As a long-term stock investor, analyzing the share price can help you determine the attractiveness of investing in MAS Financial Services Ltd. Our pre-built screening tools can assist you in tracking the historical share price movement and identifying potential trends.

MAS Financial Services Ltd. - Balance Sheet

Analyzing the balance sheet of MAS Financial Services Ltd. can provide valuable insights into the company's financial health and stability. Our website provides annual reports, which can be downloaded and used to conduct a thorough analysis of the balance sheet. Additionally, our premium features allow you to calculate fair value using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis.

MAS Financial Services Ltd. - Annual Report

The annual report of MAS Financial Services Ltd. offers a comprehensive overview of the company's performance over the past year. It includes information on financial statements, operations, achievements, and future prospects. As a long-term investor looking for stock analysis, studying the annual report can help you make informed investment decisions.

MAS Financial Services Ltd. - Dividend

Analyzing the dividend history of MAS Financial Services Ltd. can provide insights into the company's dividend policy and its commitment to rewarding shareholders. However, it is important to note that this website content does not include specific financial data points about the stock.

MAS Financial Services Ltd. - Quarterly Result

Tracking the quarterly results of MAS Financial Services Ltd. enables investors to monitor the company's performance on a regular basis. Our website provides access to quarterly result updates, which can be used to assess the company's financial stability and growth potential. Combine these updates with our premium features to perform in-depth analysis and evaluate the stock's long-term prospects.

MAS Financial Services Ltd. - Stock Price

The stock price of MAS Financial Services Ltd. reflects the market dynamics and investor sentiment towards the company. Regular monitoring of the stock price can help you identify potential buying or selling opportunities. Our pre-built screening tools can assist you in tracking the stock price and analyzing its historical performance.

MAS Financial Services Ltd. - Price Chart

A price chart visually represents the historical movement of a stock's price over a specific period. Analyzing the price chart of MAS Financial Services Ltd. can help investors identify key trends and patterns. Our website offers a variety of price charts that can be customized based on your specific requirements.

MAS Financial Services Ltd. - News

Staying updated with the latest news about MAS Financial Services Ltd. is crucial for making informed investment decisions. Our website provides regular news updates related to the company, including financial announcements, business developments, regulatory updates, and market trends. These insights can help you stay ahead of the curve and make sound investment choices.

MAS Financial Services Ltd. - Concall Transcripts

Concall transcripts provide a detailed record of the conference calls conducted by MAS Financial Services Ltd., allowing investors to gain insights into management discussions, strategies, and future plans. At our website, you can find downloadable concall transcripts that can be useful for conducting an in-depth analysis of the company's performance and prospects.

MAS Financial Services Ltd. - Investor Presentations

Investor presentations by MAS Financial Services Ltd. offer a comprehensive overview of the company's business model, financial performance, and growth strategies. These presentations are useful for gaining insights into the company's operations and understanding its future plans. Our website provides downloadable investor presentations, allowing you to access this valuable information while conducting stock analysis.

MAS Financial Services Ltd. - Promoters

Promoters are individuals or entities who have significant ownership and control in a company. Studying the promoters' background, experience, and track record can provide insights into their commitment and vision for the company. Additional information about the promoters of MAS Financial Services Ltd. can be found on our website.

MAS Financial Services Ltd. - Shareholders

Analyzing the shareholders' composition of MAS Financial Services Ltd. can help investors gauge the level of institutional ownership and retail investor participation. Understanding the overall composition of shareholders can provide insights into market sentiment and confidence in the company. Please note that this website content does not include specific numbers or financial data points about the stock.

Remember to visit our website to access pre-built screening tools for stock analysis, as well as downloadable resources such as annual reports, concall transcripts, investor presentations, credit ratings, and research reports. Our premium features allow you to perform fair value calculations using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis in various sections, such as the balance sheet, quarterly results, and profit and loss. 

MAS Financial Services Balance Sheet Overview

Examining the standalone balance sheet of MAS Financial Services reveals a consistent increase in the company's total liabilities and equity, from Rs. 4,829.68 Cr in March 2020 to a substantial Rs. 9,178.38 Cr by March 2024. This growth reflects the company's expanding financial base.

MAS Financial Services Reserves Growth

The total reserves of MAS Financial Services have shown a positive trajectory, rising from Rs. 926.24 Cr in March 2020 to Rs. 1,604.97 Cr by March 2024. The consistent increase in reserves indicates a strengthening of the company's internal financial resources and a reinforcing of its financial stability over time.

MAS Financial Services Borrowing Trends

The borrowing segment of the balance sheet underscores a sharp rise in MAS Financial Services' debt, from Rs. 1,337.16 Cr in March 2020 to Rs. 5,934.83 Cr in March 2024. This could signal robust expansion activities or potential increases in leverage that the company is undertaking.

MAS Financial Services Assets Expansion

Reflective of its growth strategy, the loans portfolio of MAS Financial Services has seen a significant surge from Rs. 3,348.47 Cr in March 2020 to Rs. 7,264.83 Cr by March 2024. Current assets have also grown from Rs. 1,387.12 Cr to Rs. 1,542.55 Cr during the same period, hinting towards improved liquidity management.

This data is an analysis for the Standalone Balance Sheet of MAS Financial Services.

While analyzing the financial health of MAS Financial Services, one may also consider tracking the company's stock movement against broader market indices like NSE or BSE to gauge its market performance.

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