Mah & Mah Finl. Serv

Mahindra & Mahindra Financial Services Ltd.

NSE: M&MFIN BSE: 532720 SECTOR: Finance - NBFC  98k   651   119

283.40
-1.55 (-0.54%)
NSE: 09 Jun 03:58 PM

Price Summary

Today's High

₹ 286.3

Today's Low

₹ 278.7

52 Week High

₹ 305

52 Week Low

₹ 164

FinStar

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.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 35014.92 Cr.

Advances

₹ 1196.15 Cr.

No. of Shares

123.55 Cr.

P/E

17.65

P/B

2.05

Face Value

₹ 2

Div. Yield

2.12 %

Book Value (TTM)

₹  138.32

Operating Revenue

₹ 9657.97 Cr.

Net Profit

₹ 988.75 Cr.

Promoter Holding

52.16 %

EPS (TTM)

₹  16.06

Sales Growth

-7.63

ROE

6.53 %

ROCE

7.29%

Profit Growth

195.02 %

Add Your 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.

Your Added Ratios

Please login to Add & View your own added ratios.

Login

Index Presence

The company is present in 27 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
34153.05
  -47.3499999999985 (-0.138448673114933%)

NIFTYALPHA

Nifty Alpha 50
29987.65
  82.3500000000022 (0.275369248929125%)

NTYFIN2550

Nifty Financial Services 25/50
19123.8
  -59.6500000000015 (-0.310945111541472%)

NIFTY500

Nifty 500
15877.4
  -43.6499999999996 (-0.274165334572785%)

NIFTYMIDCAP150

Nifty Midcap 150
12814.8
  -16.6000000000004 (-0.129370138878071%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
11869.1
  -12.6999999999989 (-0.106886162029318%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10607.15
  -24.0500000000011 (-0.226220934607579%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
10505
  -21.8999999999996 (-0.208038453865811%)

NIFTY200

Nifty 200
9769.3
  -29.5500000000011 (-0.301566000091857%)

MIDCAP50

Nifty Midcap 50
9598.85
  -10.75 (-0.111867299367296%)

NIFTYTOTALMCAP

Nifty Total Market index
8862.5
  -23.3999999999996 (-0.263338547586622%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
17881.74
  -86.1899999999987 (-0.479687977413079%)

NIFTYHIGHBETA

Nifty High Beta 50
2380.07
  -0.949999999999818 (-0.0398988668721678%)

NIFTYMAH

Nifty Mahindra Group
18964.81
  -144.079999999998 (-0.75399460669876%)

NIFTYFULLMIDCAP100

NIFTY FULL MIDCAP 100
5987.56
  -42.7999999999993 (-0.709742038617911%)

MIDCAP

S&P Bse Mid Cap
27518.19
  7.48999999999796 (0.0272257703366252%)

BSE500

S&P Bse 500
25224.55
  -72.0200000000004 (-0.284702629645051%)

MID150

S&P Bse 150 MidCap
9632.94
  -16.8299999999999 (-0.174408301959528%)

BSE200

S&P Bse 200
8004.97
  -24.8499999999995 (-0.309471445188059%)

LMI250

S&P Bse 250 LargeMidCap
7571.09
  -23.21 (-0.30562395480821%)

MSL400

S&P Bse 400 MidSmallCap
7324.18
  -9.34999999999945 (-0.127496580773512%)

ALLCAP

S&P Bse Allcap
7273.47
  -18.8699999999999 (-0.258764676359025%)

SPBSMOIP

S&P Bse Momentum
1252.18
  5.33000000000015 (0.427477242651486%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1119.93
  -4.31999999999994 (-0.384256170780517%)

FIN

S&P Bse Finance
9169.88
  -12.8200000000015 (-0.139610354253128%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7523.93
  -23.0599999999995 (-0.305552279783061%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
7867.58
  1.93000000000029 (0.0245370694093916%)

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

View Full Peer Comparison
* 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 Year-7.63%
3 Year3.45%
5 Year9.36%

Profit Growth

1 Year195.02%
3 Year-14.05%
5 Year19.83%

ROE%

1 Year6.53%
3 Year5.76%
5 Year9.18%

ROCE %

1 Year7.29%
3 Year7.87%
5 Year9.05%

ROA%

1.31285086810811

PEG Ratio

0.09

PAT Margin (%)

10.2376586384095

EPS Growth(%)

194.776503455374

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2023 52.16 0
Dec 2022 52.16 0
Sep 2022 52.16 0
Jun 2022 52.16 0
Mar 2022 52.16 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 7.03235571026509%.
  • The company is trading at 1.25815519850226 times the book value
  • Promoters shareholding is 52.16%.

 Limitations

  • The company has delivered poor profit growth of 3.45258872884029% over past 3 years
  • The company has delivered poor Operating Income growth of 3.45258872884029% over past 3 years.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023
Operating Revenue 2442.44 2486.31 2585.84 2862.5 2994.15
Other Income 23.92 12.24 23.48 29.05 62.52
Interest Expended 935.74 931.96 1068.83 1241.94 1333.99
Operating Expenses 654.49 1230.22 829.39 754.27 725.68
Total Provisions 0 0 -54.51 0 0
Depreciation 42.05 35.88 45.88 52.2 53.27
Profit Before Tax 834.08 300.49 719.73 843.14 943.73
Tax 233.28 77.57 162.38 214.19 259.61
Net Profit 600.8 222.92 448.33 628.95 684.12

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 6633.47 8722.91 10099.76 10456.11 9657.97
Other Income 514.55 1216.66 150.4 61.66 206.81
Interest 3081.62 3944.56 4828.75 4733.19 3920.18
Operating Expenses 1406.31 1818.32 1984.23 1605.25 2043.93
Total Provisions 1058.24 1794.25 2093.42 3763 2543.76
Exceptional Items 64.97 0 0 6.1 0
Profit Before Tax 1666.82 2382.44 1343.76 422.43 1356.91
Tax 590.73 825.38 437.36 87.28 368.16
Profit After Tax 1076.09 1557.06 906.4 335.15 988.75
Adjusted EPS (Rs.) 10.68 15.44 8.98 2.72 8.02

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 122.9 122.98 123.07 246.4 246.6
Total Reserves 9499.02 10785.05 11240.79 14465.11 15381.49
Borrowings 35626.65 49121.98 59322.31 57394.3 54969.1
Other N/C liabilities -516.4 -207.56 -340.64 -673.15 -632.18
Current liabilities 7433.13 6883.81 3236.08 4741.43 4487.3
Total Liabilities 52165.3 66706.26 73581.61 76174.09 74452.31
Assets
Loans 1360.49 1880.53 1864.41 1014.73 1196.15
Net Block 119.66 163.06 363.5 330.12 392.87
Capital WIP 0 0 0 10.34 0
Intangible WIP 0 0 0 0 0
Investments 1617.86 1648.75 2559.89 7261.58 6967.86
Other Loans 258.63 353.73 32.06 23.72 147.64
Other N/C Assets 4.37 89.19 456.08 284.68 143.55
Current Assets 48804.28 62570.99 68305.67 67248.92 65604.24
Total Assets 52165.3 66706.26 73581.61 76174.09 74452.31
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Promoters 52.16 52.16 52.16 52.16 52.16
mahindra & mahindr... 51.19 51.19 51.19 51.19 51.19
PARTICULARS Mar 2022% Jun 2022% Sep 2022% Dec 2022% Mar 2023%
Investors 47.84 47.84 47.84 47.84 47.84
hdfc life insuranc... 2.56 2.63 2.63 2.94 2.21
sbi mutual fund 1.56 2.20 2.17 2.16 1.91
lic of india 2.89 2.89 2.89 - 2.89
life insurance cor... - - - 2.89 -
uti mutual fund 2.18 1.03 - - -
wishbone fund, ltd. - - - - 1.46
icici mutual fund 1.08 1.16 2.11 2.37 2.00
hdfc standard life... - - - - -
hdfc standard life... - - - - -
blackrock global f... 1.17 - - - -
government pension... - - - 1.16 -
valiant mauritius ... 1.01 1.01 1.01 1.32 1.93
blackrock global f... 1.07 - - - -
blackrock global f... - - - - -
hdfc standard life... - - - - -
kotak funds - indi... 1.40 1.43 1.47 1.42 1.05
axis mutual fund 1.06 1.13 1.26 1.44 1.23
buena vista asian ... - - - - 1.39
kotak funds-india ... - - - - -
kotak mutual fund - 1.19 1.36 1.28 1.05
kotak funds india ... - - - - -
qualified institut... - - 0.34 0.25 -
schroder internati... - - - - -
aditya birla mutu... - - - - -
aditya birla mutua... 1.04 - - - -
franklin templeton... - - - - -
iepf 0.01 0.01 0.01 0.01 0.01

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Mahindra & Mahindra Financial Services reports 7% rise in Q4 consolidated net profit29 Apr 2023, 12:28PM Mah & Mah Finl. Serv - Quaterly Results28 Apr 2023, 4:28PM Mah & Mah Finl. Serv - Quaterly Results28 Apr 2023, 4:28PM Mah & Mah Finl. Serv - Quaterly Results28 Apr 2023, 4:28PM Mahindra Finance raises Rs 682 crore via NCDs 22 Apr 2023, 12:14PM Mahindra & Mahindra informs about loss of share certificate 19 Apr 2023, 9:45AM RBI imposes penalty of Rs 6.77 crore on Mahindra & Mahindra Financial Services10 Apr 2023, 10:50AM Mahindra & Mahindra Financial Services informs about investor conference17 Mar 2023, 4:41PM Mahindra & Mahindra Financial Services launches Used Car Digi Loans3 Mar 2023, 10:38AM Mahindra & Mahindra Financial Services informs about press release3 Mar 2023, 10:17AM Mahindra & Mahindra Financial Services reports 33% fall in Q3 consolidated net profit4 Feb 2023, 4:26PM Mah & Mah Finl. Serv - Quaterly Results3 Feb 2023, 4:49PM Mah & Mah Finl. Serv - Quaterly Results3 Feb 2023, 4:49PM Mah & Mah Finl. Serv - Quaterly Results3 Feb 2023, 4:49PM Mahindra Finance raises Rs 116.5 crore 17 Jan 2023, 2:36PM Mahindra & Mahindra Financial Services informs about credit rating14 Jan 2023, 10:47AM RBI lifts ban on Mahindra Finance for outsourcing recovery, repossession agents5 Jan 2023, 10:59AM Mahindra & Mahindra Financial Services informs about update on appointment of independent director 31 Dec 2022, 9:52AM Mahindra Finance reports 75% growth in disbursement during November 5 Dec 2022, 11:08AM Mahindra Finance raises Rs 225.60 crore 24 Nov 2022, 4:25PM Mahindra Finance’s Quiklyz inks MoU with five Last Mile Mobility players 23 Nov 2022, 2:41PM Mahindra & Mahindra Financial Services raises Rs 407 crore through NCDs21 Nov 2022, 2:13PM Mahindra & Mahindra Financial Services reports 55% fall in Q2 consolidated net profit3 Nov 2022, 10:11AM Mah & Mah Finl. Serv - Quaterly Results2 Nov 2022, 8:04PM Mah & Mah Finl. Serv - Quaterly Results2 Nov 2022, 8:04PM Mahindra Finance raises Rs 275 crore via NCDs31 Oct 2022, 2:41PM Mahindra Finance to acquire 20% stake in Mahindra Insurance Brokers21 Oct 2022, 4:29PM Mahindra Finance enters into strategic partnership with India Post Payments Bank18 Oct 2022, 10:11AM Mahindra & Mahindra Financial Services informs about press release18 Oct 2022, 10:09AM Mahindra & Mahindra Financial Services disburses Rs 4,080 crore in September 4 Oct 2022, 4:35PM Mahindra Finance raises Rs 2000 crore via NCDs27 Sep 2022, 12:46PM Mahindra & Mahindra Financial Services informs about analyst meet23 Sep 2022, 9:46AM Mahindra Finance raises Rs 303.98 crore via NCDs7 Sep 2022, 12:17PM Mahindra Finance disburses Rs 3740 crore in August3 Sep 2022, 10:17AM Mahindra Finance raises Rs 750 crore via NCDs30 Aug 2022, 2:58PM Mahindra & Mahindra Financial Services informs about press release29 Aug 2022, 1:01PM Mahindra Finance inks pact with CRIF Solutions29 Aug 2022, 11:38AM Mahindra Finance raises Rs 275 crore via NCDs 23 Aug 2022, 2:47PM Mahindra & Mahindra informs about loss of share certificate11 Aug 2022, 12:26PM Mahindra & Mahindra Financial Services informs about newspaper publication29 Jul 2022, 5:07PM Mahindra Finance turns black in Q128 Jul 2022, 3:28PM Mah & Mah Finl. Serv - Quaterly Results28 Jul 2022, 2:29PM Mah & Mah Finl. Serv - Quaterly Results28 Jul 2022, 2:29PM Mah & Mah Finl. Serv - Quaterly Results28 Jul 2022, 2:29PM Mahindra Finance raises Rs 80 crore via NCDs21 Jul 2022, 12:59PM Mahindra Finance enters into partnership with Credgenics 19 Jul 2022, 11:27AM Mahindra Finance raises Rs 216.70 crore via NCDs14 Jul 2022, 2:30PM Mahindra Finance disburses Rs 3,750 crore in June4 Jul 2022, 5:53PM Mahindra Finance’s arm inks pact with BigHaat 22 Jun 2022, 2:26PM Mahindra & Mahindra Financial Services informs about updation of credit rating services18 Jun 2022, 11:41AM

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 988.75 Cr and the compounded growth of profit in the past 3 years is -14.0470642372677 %. The PAT margin of Mah & Mah Finl. Serv is 10.2376586384095 %.

  • 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 194.776503455374 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a poor ROE track record. The ROE of Mah & Mah Finl. Serv is at 6.53383136932915 % 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 283.4. The stock is trading at a current P/E ratio of 19.8463667992668 and the average historical P/E for the last 5 years was 29.1921425763196.

  • 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 2.0424 . The average historical P/B for the last 5 years was 1.81324572293697. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Mah & Mah Finl. Serv

X