Mah & Mah Finl. Serv

Mahindra & Mahindra Financial Services Ltd.

NSE: M&MFIN BSE: 532720 SECTOR: Finance - NBFC  75k   565   107

199.30
+1.55 (0.78%)
NSE: Today, 04:13 PM

Price Summary

Today's High

₹ 201.55

Today's Low

₹ 198

52 Week High

₹ 212.5

52 Week Low

₹ 128

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.
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

₹ 24624.11 Cr.

Advances

₹ 1014.73 Cr.

No. of Shares

123.55 Cr.

P/E

8.99

P/B

1.56

Face Value

₹ 2

Div. Yield

1.81 %

Book Value (TTM)

₹  128.04

Operating Revenue

₹ 9657.97 Cr.

Net Profit

₹ 988.75 Cr.

Promoter Holding

52.16 %

EPS (TTM)

₹  22.18

Sales Growth

2.93

ROE

2.58 %

ROCE

7.15%

Profit Growth

-63.02 %

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

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Index Presence

The company is present in 24 Indices.

NIFTYMIDCAP

NIFTY Midcap 100
31401.4
  146.850000000002 (0.46985158960855%)

NTYFIN2550

Nifty Financial Services 25/50
18128.75
  202.25 (1.12821800128302%)

NIFTY500

Nifty 500
15379.05
  98.5499999999993 (0.644939628938834%)

NIFTYMIDCAP150

Nifty Midcap 150
11830.6
  48.3000000000011 (0.409936939307265%)

NIFTYMIDSMALL400

Nifty MidSmallcap 400
10856.1
  46.6000000000004 (0.431102271150374%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
10111
  56.1499999999996 (0.558436973201992%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9941.1
  56.9500000000007 (0.576174987227041%)

NIFTY200

Nifty 200
9538
  64.0499999999993 (0.67606436597194%)

NIFTYTOTALMCAP

Nifty Total Market index
8550.15
  55.1499999999996 (0.649205414949972%)

MIDCAP50

Nifty Midcap 50
8506.8
  50.6499999999996 (0.598972345570981%)

NIFTYHIGHBETA

Nifty High Beta 50
2073.4
  78.3600000000001 (3.92774079717702%)

NIFTYMAH

Nifty Mahindra Group
17430.6
  437.169999999998 (2.57258246275176%)

NIFTYFULLMIDCAP100

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

MIDCAP

S&P Bse Mid Cap
25182
  161.080000000002 (0.643781283821698%)

BSE500

S&P Bse 500
24520.68
  162.889999999999 (0.668738830575344%)

MID150

S&P Bse 150 MidCap
8953.81
  51.5399999999991 (0.578953457938236%)

FIN

S&P Bse Finance
8507.26
  76.2299999999996 (0.904159989941911%)

BSE200

S&P Bse 200
7840.29
  54.4099999999999 (0.698829162535253%)

LMI250

S&P Bse 250 LargeMidCap
7412.68
  49.8500000000004 (0.677049449736034%)

ALLCAP

S&P Bse Allcap
7034.99
  47.1300000000001 (0.674455412672836%)

MSL400

S&P Bse 400 MidSmallCap
6705.83
  38.04 (0.570503870097894%)

DFRGRI

S&P Bse Diversified Finl. Rev.
1080.85
  14.6499999999999 (1.37403864190582%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
7362.13
  51.1300000000001 (0.699357133087131%)

S&P MIDSMLCAP

S&P Bse MidSmallCap
7148.06
  41.29 (0.580995304477283%)

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

NA

PAT Margin (%)

3.22408419270432

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2022 52.16 0
Mar 2022 52.16 0
Dec 2021 52.16 0
Sep 2021 52.16 0
Jun 2021 52.16 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 1.67052270984235 times the book value
  • 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%.
  • The company has delivered poor Operating Income growth of 3.45258872884029% over past 3 years.
  • Provision and contingencies have increased by 60.6985266396224%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022
Operating Revenue 2179.08 2507.9 2531.65 2442.44 2486.31
Other Income 7.98 14.49 11.34 23.92 12.24
Interest Expended 1017.94 1015.09 951.41 935.74 931.96
Operating Expenses 3211.83 95.97 352.59 654.49 1230.22
Total Provisions 0 0 0 0 0
Depreciation 27.1 28.26 29.42 42.05 35.88
Profit Before Tax -2069.81 1383.07 1209.57 834.08 300.49
Tax -541.05 360.17 315.76 233.28 77.57
Net Profit -1528.76 1022.9 893.81 600.8 222.92

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 Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
Promoters 52.16 52.16 52.16 52.16 52.16
mahindra & mahindr... 51.19 51.19 51.19 51.19 51.19
PARTICULARS Jun 2021% Sep 2021% Dec 2021% Mar 2022% Jun 2022%
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... - - - - -
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 - - - -
iepf 0.01 0.01 0.01 0.01 0.01

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

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 Mahindra Finance disburses Rs 2,973 crore in May3 Jun 2022, 11:20AM Mahindra & Mahindra Financial Services informs about investor meet 10 May 2022, 5:49PM Mahindra & Mahindra Financial Services informs about book closure5 May 2022, 4:54PM Mahindra & Mahindra Financial Services reports above 2-fold jump in Q4 consolidated net profit5 May 2022, 10:11AM Mah & Mah Finl. Serv - Quaterly Results2 May 2022, 4:21PM Mah & Mah Finl. Serv - Quaterly Results2 May 2022, 4:21PM Mah & Mah Finl. Serv - Quaterly Results2 May 2022, 4:21PM Mahindra Finance disburses Rs 3,832 crore in March5 Apr 2022, 5:48PM Mahindra & Mahindra Financial Services informs about press release1 Apr 2022, 4:28PM Mahindra Finance raises Rs 255.45 crore through NCDs 28 Mar 2022, 3:20PM Mahindra Finance’s Quiklyz ties up with BluSmart to provide 500 EVs on leasing 22 Mar 2022, 2:58PM Mahindra Finance inks pact with DLL to extend long-standing U.S. joint venture11 Mar 2022, 9:46AM Mahindra Finance disburses Rs 2,733 crore in February4 Mar 2022, 11:21AM Mahindra Finance to increase branches of Sri Lankan subsidiary 25 Feb 2022, 10:13AM Mahindra Finance launches Special Deposit Scheme 23 Feb 2022, 11:38AM Mahindra Finance raises Rs 300 crore through NCDs22 Feb 2022, 12:42PM Mahindra & Mahindra Financial Services informs about outcome of investor meet22 Feb 2022, 10:11AM Mahindra Finance raises Rs 500 crore through NCDs 15 Feb 2022, 3:41PM Mahindra & Mahindra Financial Services aiming to reduce net non-performing assets ratio4 Feb 2022, 3:08PM Mahindra Finance disburses Rs 2,320 crore in January4 Feb 2022, 11:57AM Mahindra & Mahindra Financial Services turns black in Q33 Feb 2022, 12:47PM Mah & Mah Finl. Serv - Quaterly Results2 Feb 2022, 5:28PM Mah & Mah Finl. Serv - Quaterly Results2 Feb 2022, 5:28PM Mah & Mah Finl. Serv - Quaterly Results2 Feb 2022, 5:28PM Mahindra Finance’s arm enters into partnership with Tata 1mg 27 Jan 2022, 3:51PM Mahindra Finance’s Quiklyz to offer widest range of EVs for leasing and subscription in India12 Jan 2022, 3:22PM Mahindra Finance gets nod to raise Rs 277.05 crore via NCDs17 Dec 2021, 12:39PM Mahindra Finance launches leasing and subscription business ‘Quiklyz’17 Nov 2021, 2:41PM Mahindra & Mahindra informs about report for october, 202111 Nov 2021, 1:12PM Mahindra & Mahindra Financial Services informs about revised report of voting results of postal ballot11 Nov 2021, 10:03AM 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

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 declined by -69.7130960465815 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a 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 199.4. 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 1.5635 . 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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