Mahindra & Mahindra Financial Services Ltd.

NSE: M&MFIN BSE: 532720 SECTOR: Finance - NBFC

176.2
-3.15 (-1.76%)
NSE: 20 Sep 04:13 PM

Price Summary

Today's High

₹ 180.9

Today's Low

₹ 175.25

52 Week High

₹ 224.3

52 Week Low

₹ 112.7

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
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

21770.04 Cr.

Advances

1014.73 Cr.

No. of Shares

123.55 Cr.

P/E

0

P/B

1.66

Face Value

₹ 2

Div. Yield

0.46%

Book Value (TTM)

₹  106.36

Operating Revenue

10395.2 Cr.

Net Profit

335.15 Cr.

Promoter Holding

52.16%

EPS (TTM)

₹  -10.92

Sales Growth

2.93 %

ROE

2.58 %

ROCE

7.15 %

Profit Growth

-63.02 %

* 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.
* 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.

 Group Companies

Ratios

Income Growth

1 Year2.93%
3 Year16.15%
5 Year12.17%

Profit Growth

1 Year-63.02%
3 Year-32.22%
5 Year-13%

ROE%

1 Year2.58%
3 Year8.65%
5 Year9.15%

ROCE %

1 Year7.15%
3 Year9.16%
5 Year9.41%

ROA%

0.447595650783242

PEG Ratio

0.2

PAT Margin (%)

3.22408419270432

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 52.16 0
Mar 2021 52.16 0
Dec 2020 52.16 0
Sep 2020 52.16 0
Jun 2020 51.19 0
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.67052270984235 times the book value
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 16.1529212732886%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 52.16%.

 Limitations

  • PAT margin has shrunk by 5.7503864877871%.
  • Provision and contingencies have increased by 60.6985266396224%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Operating Revenue 2640.51 2612.88 2541.79 2600.03 2175.98
Other Income 14.44 36.62 33.06 37.48 11.08
Interest Expended 1264.61 1221.58 1158.33 1088.68 1017.94
Operating Expenses 1156.81 982.92 1754.65 1347.02 3211.83
Total Provisions 6.1 0 0 0 0
Depreciation 31.54 33.3 30.57 30.48 27.1
Profit Before Tax 195.89 411.71 -368.7 171.33 -2069.81
Tax 52.3 108.18 -94.56 21.36 -541.05
Net Profit 155.79 303.53 -274.14 149.97 -1528.76

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 6173.91 6633.47 8722.91 10099.76 10395.2
Other Income 63.64 514.55 1216.66 150.4 122.57
Interest 2857.43 3081.62 3944.56 4828.75 4733.19
Operating Expenses 1420.44 1406.31 1818.32 1984.23 1605.25
Total Provisions 1339.61 1058.24 1794.25 2093.42 3763
Exceptional Items 0 64.97 0 0 6.1
Profit Before Tax 620.07 1666.82 2382.44 1343.76 422.43
Tax 219.83 590.73 825.38 437.36 87.28
Profit After Tax 400.23 1076.09 1557.06 906.4 335.15
Adjusted EPS (Rs.) 4.32 10.68 15.44 8.98 2.72

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 113.01 122.9 122.98 123.07 246.4
Total Reserves 6364.24 9499.02 10785.05 11240.79 14465.11
Borrowings 21412.4 35626.65 49121.98 59322.31 57394.3
Other N/C liabilities 244.64 -516.4 -207.56 -340.64 -673.15
Current liabilities 16970.89 7433.13 6883.81 3236.08 4741.43
Total Liabilities 45105.17 52165.3 66706.26 73581.61 76174.09
Assets
Loans 22005.51 1360.49 1880.53 1864.41 1014.73
Net Block 111.51 119.66 163.06 363.5 330.12
Capital WIP 0.49 0 0 0 10.34
Intangible WIP 0 0 0 0 0
Investments 1311.73 1617.86 1648.75 2559.89 7261.58
Other Loans 204.41 258.63 353.73 32.06 23.72
Other N/C Assets 146.37 4.37 89.19 456.08 284.68
Current Assets 21325.14 48804.28 62570.99 68305.67 67248.92
Total Assets 45105.17 52165.3 66706.26 73581.61 76174.09
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Promoters 51.19 52.16 52.16 52.16 52.16
mahindra & mahindra limit... 51.19 52.16 52.16 52.16 52.16
mahindra & mahindra limit... 51.19 52.16 52.16 52.16 52.16
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 12.19 13.98 11.13 10.91 13.37
iepf 0.01 0.01 0.01 0.01 0.01
hdfc life insurance compa... 2.21 2.13 2.18 1.97 2.13
hdfc life insurance compa... 2.21 2.13 2.18 1.97 2.13
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 36.62 33.86 36.7 36.93 34.47
axis mutual fund 1.23 0 0 0 0
sbi mutual fund 1.91 0 0 0 0
kotak funds - india midca... 1.05 1.03 1.03 1.02 0
valiant mauritius partner... 1.93 1.93 1.54 1.46 1.46
icici mutual fund 2 0 0 0 0
valiant mauritius partner... 1.93 1.93 1.54 1.46 1.46
lic of india 2.89 0 0 0 0
kotak mutual fund 1.05 0 0 0 0
qualified institutional b... 0 0.7 1.24 1.07 1.19
government pension fund g... 0 1.9 1.9 1.95 1.55
kotak funds - india midca... 1.05 1.03 1.03 1.02 0
life insurance corporatio... 0 0 0 0 0
buena vista asian opportu... 1.39 1.42 1.32 1.24 0
wishbone fund, ltd. 1.46 0 0 1.91 1.91
buena vista asian opportu... 1.39 1.42 1.32 1.24 0
icici prudential fund alo... 0 1.23 1.97 1.09 1.37
invesco trustee private l... 0 1.08 1.27 1.16 0
kotak mutual fund along ... 0 1.06 1.04 0 1.39
lic of india along with i... 0 2.4 3.15 4.73 5.72
sbi mutual fund along wit... 0 1.75 2.7 2.52 1.94
wishbone fund ltd. 0 1.86 1.91 0 0
lic of india along with i... 0 2.4 3.15 4.73 5.72
hdfc trustee company ltd ... 0 0 0 1.13 0
wishbone fund, ltd. 1.46 0 0 1.91 1.91
hdfc trustee company ltd ... 0 0 0 0 1.39

Ratings & Research Reports

Company Presentations

Company News

Mahindra Finance enters into Vehicle leasing, subscription business16 Sep 2021, 10:57AM Mahindra & Mahindra Financial Services informs about press release16 Sep 2021, 10:40AM Mahindra & Mahindra Financial Services informs about analyst meet 8 Sep 2021, 4:08PM Mahindra Finance disburses over Rs 2,000 crore in August4 Sep 2021, 10:55AM Mahindra & Mahindra Financial Services informs about board meeting procedures26 Jul 2021, 3:48PM Mahindra & Mahindra Financial Services reports consolidated net loss of Rs 1573.72 crore in Q1 26 Jul 2021, 3:38PM Mahindra Finance completes acquisition of balance 20% stake in Ideal Finance9 Jul 2021, 10:17AM Mahindra Finance raises Rs 225 crore trough NCDs24 Jun 2021, 4:34PM Mahindra & Mahindra Financial Services informs about analyst meet19 Jun 2021, 11:18AM Mahindra & Mahindra Financial Services informs about newspaper publication15 May 2021, 4:04PM Mahindra & Mahindra Financial Services informs about disclosure10 May 2021, 5:28PM Mahindra & Mahindra Financial Services informs about investor meetings3 May 2021, 2:01PM Mahindra & Mahindra Financial Services submits annual secretarial compliance report24 Apr 2021, 11:53AM Mahindra & Mahindra Financial Services informs about outcome of board meeting24 Apr 2021, 11:46AM Mahindra & Mahindra Financial Services reports 8% fall in Q4 consolidated net profit24 Apr 2021, 10:47AM Mahindra & Mahindra informs about press release23 Mar 2021, 10:47AM Mahindra & Mahindra Financial Services informs about interest payment of NCDs5 Mar 2021, 3:12PM Mahindra & Mahindra Financial Services informs about analyst meet19 Feb 2021, 4:11PM Mahindra & Mahindra Financial reports consolidated net loss of Rs 226 crore in Q329 Jan 2021, 11:36AM Mahindra & Mahindra Financial Services informs about interest payment of NCDs22 Dec 2020, 3:12PM Mahindra & Mahindra Financial Services informs about interest payment of NCDs15 Dec 2020, 3:42PM Mahindra & Mahindra Financial Services reports 34% rise in Q2 consolidated net profit27 Oct 2020, 11:41AM Mahindra Finance raises Rs 500 crore through NCDs16 Oct 2020, 5:15PM Mahindra Finance raises Rs 500 crore via NCDs30 Sep 2020, 5:06PM Mahindra Finance raises Rs 3,088.82 crore14 Aug 2020, 2:39PM Mahindra & Mahindra Financial Services informs about newspaper publication20 Jul 2020, 3:25PM Mahindra & Mahindra Financial Services informs about newspaper publication4 Jul 2020, 3:03PM Mahindra & Mahindra Financial Services informs about transfer of equity shares22 Jun 2020, 1:14PM Mahindra Finance raises funds through NCDs19 Jun 2020, 2:49PM Mahindra Finance raises Rs 86 crore through NCDs5 Jun 2020, 1:54PM Mahindra & Mahindra Financial Services informs about schedule of analyst meet27 May 2020, 1:25PM Manulife acquires 49% stake in Mahindra Finance’s arm 30 Apr 2020, 9:42AM Mahindra Finance to raise Rs 475 crore through NCDs 29 Apr 2020, 3:45PM

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 335.15 Cr and the compounded growth of profit in the past 3 years is -32.2152845927596 %. The PAT margin of Mah & Mah Finl. Serv is 3.22408419270432 %.

  • 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 #if( -69.7130960465815 > 0) then "grew" else "declined";# by -69.7130960465815 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 2.57966540165694 >= 20) then "healthy" elseif( 2.57966540165694 < 20 and 2.57966540165694 >=10) then "average" else "poor";# ROE track record. The ROE of Mah & Mah Finl. Serv is at 2.57966540165694 % 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 $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 73.1142479047199 and the average historical P/E for the last 5 years was 34.1155159061801.

  • 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 1.6675 . The average historical P/B for the last 5 years was 2.11320351056046. 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

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