Share Price and Basic Stock Data
Last Updated: October 28, 2025, 2:26 pm
| PEG Ratio | 1.21 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Mahindra & Mahindra Financial Services Ltd (M&M Financial) operates within the finance and investments sector, focusing on providing financial services primarily to the rural and semi-urban sectors of India. The company’s revenue for the fiscal year ending March 2025 stood at ₹18,519 Cr, reflecting a significant growth trajectory from ₹12,828 Cr in March 2023. This upward trend indicates a robust operational performance, with quarterly revenues consistently rising from ₹3,011 Cr in September 2022 to ₹4,886 Cr by March 2025. The reported revenue growth aligns with the increasing demand for financing solutions in India’s evolving economic landscape. Notably, the financing profit margin fluctuated, peaking at 27% in December 2024, showcasing the company’s ability to capitalize on favorable market conditions. The overall revenue performance suggests a solid market position, supported by strategic initiatives aimed at expanding its customer base and enhancing service offerings.
Profitability and Efficiency Metrics
M&M Financial reported a net profit of ₹2,261 Cr for the fiscal year 2025, up from ₹2,071 Cr the previous year, demonstrating effective cost management and operational efficiency. The net profit margin stood at 11.89%, reflecting a healthy profitability profile in comparison to typical sector averages, which often hover around 10-12%. Additionally, the return on equity (ROE) rose to 10.9%, indicating improved shareholder returns. The interest coverage ratio, although modest at 1.39x, underscores the company’s ability to meet its interest obligations, while the financing margin varied between 11% and 27% during the reported quarters, highlighting fluctuating profitability influenced by market conditions. The company’s ability to maintain a stable operating profit margin amidst rising costs is commendable, showcasing a resilient business model that can weather financial pressures.
Balance Sheet Strength and Financial Ratios
The balance sheet of M&M Financial exhibits a solid foundation, with total assets reported at ₹144,105 Cr and total liabilities at ₹144,105 Cr as of March 2025. The company’s reserves have increased significantly, standing at ₹21,282 Cr, which provides a cushion against potential financial volatility. The debt-to-equity ratio, reported at 5.53x, indicates a higher reliance on debt financing, which is common in the financial services sector. However, this level of leverage may raise concerns regarding financial stability, particularly in adverse market conditions. The book value per share increased to ₹174.34, reflecting improved asset valuation. Furthermore, the interest coverage ratio at 1.39x suggests that while the company can meet its interest obligations, it operates close to a threshold that warrants monitoring, particularly as borrowing costs rise.
Shareholding Pattern and Investor Confidence
The shareholding structure of M&M Financial reveals a stable yet dynamic investor base. Promoters hold 52.49% of the shares, reflecting strong management control, while foreign institutional investors (FIIs) have reduced their stake to 9.33%, down from 16.93% in September 2022. This decline may indicate cautious sentiment among international investors amidst macroeconomic uncertainties. Domestic institutional investors (DIIs) have increased their holdings to 32.33%, demonstrating confidence in the company’s growth prospects. Additionally, the number of shareholders rose to 2,27,141, suggesting an expanding retail investor base. This diversified shareholding pattern may enhance the company’s resilience against market fluctuations and foster a supportive investment environment, although the declining FII interest may require strategic efforts to regain international investor confidence.
Outlook, Risks, and Final Insight
Looking ahead, M&M Financial is poised for growth, driven by its strong revenue trajectory and improved profitability metrics. However, risks remain, particularly related to its high debt levels and potential fluctuations in interest rates, which could impact profit margins and financial stability. The company’s ability to navigate these challenges will be crucial in maintaining investor confidence and market position. Furthermore, regulatory changes in the financial sector could pose additional risks. If M&M Financial successfully implements its growth strategies while managing its debt effectively, it could enhance its market share in the competitive financial services landscape. Conversely, failure to address these risks may hinder its growth prospects and diminish investor sentiment. Overall, the company stands at a pivotal juncture, with the potential for significant advancements against the backdrop of a challenging financial environment.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Mahindra & Mahindra Financial Services Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 11.7 Cr. | 40.0 | 67.7/36.4 | 41.9 | 43.5 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,448 Cr. | 309 | 495/280 | 15.8 | 102 | 0.32 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 38.7 Cr. | 0.55 | 2.42/0.46 | 3.76 | 0.02 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.19 Cr. | 8.47 | 12.7/8.25 | 10.3 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 28.8 Cr. | 56.2 | 72.0/47.6 | 20.6 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 6,857.82 Cr | 1,426.50 | 134.09 | 3,769.31 | 0.31% | 21.70% | 14.20% | 7.28 |
All Competitor Stocks of Mahindra & Mahindra Financial Services Ltd
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2,902 | 3,011 | 3,324 | 3,463 | 3,583 | 3,833 | 4,100 | 4,280 | 4,316 | 4,465 | 4,797 | 4,886 | 4,991 |
| Interest | 1,052 | 1,192 | 1,373 | 1,477 | 1,597 | 1,703 | 1,798 | 1,861 | 1,960 | 2,062 | 2,175 | 2,218 | 2,280 |
| Expenses | 1,512 | 1,071 | 1,041 | 1,072 | 1,504 | 1,724 | 1,456 | 1,520 | 1,676 | 1,830 | 1,325 | 2,001 | 1,964 |
| Financing Profit | 338 | 748 | 910 | 913 | 482 | 406 | 846 | 900 | 679 | 573 | 1,297 | 667 | 746 |
| Financing Margin % | 12% | 25% | 27% | 26% | 13% | 11% | 21% | 21% | 16% | 13% | 27% | 14% | 15% |
| Other Income | 24 | -26 | 36 | 86 | 67 | 44 | 50 | 68 | 58 | 28 | 19 | 27 | 43 |
| Depreciation | 43 | 55 | 63 | 65 | 66 | 67 | 69 | 72 | 76 | 79 | 82 | 85 | 86 |
| Profit before tax | 318 | 668 | 884 | 934 | 483 | 383 | 826 | 896 | 661 | 523 | 1,233 | 609 | 704 |
| Tax % | 25% | 26% | 25% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | 26% | 25% | 25% |
| Net Profit | 240 | 492 | 664 | 675 | 362 | 287 | 623 | 671 | 497 | 390 | 918 | 456 | 529 |
| EPS in Rs | 1.72 | 3.53 | 4.76 | 4.90 | 2.58 | 2.02 | 4.48 | 4.82 | 3.58 | 2.80 | 6.60 | 3.29 | 3.80 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 5:35 pm
Below is a detailed analysis of the quarterly data for Mahindra & Mahindra Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 2,280.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,218.00 Cr. (Mar 2025) to 2,280.00 Cr., marking an increase of 62.00 Cr..
- For Expenses, as of Jun 2025, the value is 1,964.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,001.00 Cr. (Mar 2025) to 1,964.00 Cr., marking a decrease of 37.00 Cr..
- For Other Income, as of Jun 2025, the value is 43.00 Cr.. The value appears strong and on an upward trend. It has increased from 27.00 Cr. (Mar 2025) to 43.00 Cr., marking an increase of 16.00 Cr..
- For Depreciation, as of Jun 2025, the value is 86.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 85.00 Cr. (Mar 2025) to 86.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 704.00 Cr.. The value appears strong and on an upward trend. It has increased from 609.00 Cr. (Mar 2025) to 704.00 Cr., marking an increase of 95.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 25.00%.
- For Net Profit, as of Jun 2025, the value is 529.00 Cr.. The value appears strong and on an upward trend. It has increased from 456.00 Cr. (Mar 2025) to 529.00 Cr., marking an increase of 73.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 3.80. The value appears strong and on an upward trend. It has increased from 3.29 (Mar 2025) to 3.80, marking an increase of 0.51.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:54 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,294 | 6,051 | 6,586 | 7,189 | 7,910 | 10,429 | 11,995 | 12,382 | 11,419 | 12,828 | 15,963 | 18,519 | 19,138 |
| Interest | 2,281 | 2,643 | 2,868 | 3,186 | 3,436 | 4,432 | 5,391 | 5,308 | 4,417 | 5,094 | 6,959 | 8,415 | 8,735 |
| Expenses | 1,532 | 1,972 | 2,459 | 3,123 | 2,547 | 3,129 | 4,903 | 6,046 | 5,347 | 4,696 | 6,204 | 6,832 | 7,120 |
| Financing Profit | 1,481 | 1,435 | 1,258 | 880 | 1,927 | 2,868 | 1,702 | 1,028 | 1,655 | 3,038 | 2,799 | 3,271 | 3,283 |
| Financing Margin % | 28% | 24% | 19% | 12% | 24% | 28% | 14% | 8% | 14% | 24% | 18% | 18% | 17% |
| Other Income | 7 | 10 | 12 | 12 | 33 | 49 | 47 | 57 | 47 | -8 | 64 | 77 | 117 |
| Depreciation | 26 | 46 | 46 | 54 | 55 | 76 | 147 | 151 | 152 | 226 | 275 | 321 | 331 |
| Profit before tax | 1,462 | 1,400 | 1,224 | 838 | 1,905 | 2,841 | 1,602 | 934 | 1,549 | 2,804 | 2,588 | 3,027 | 3,069 |
| Tax % | 34% | 34% | 36% | 37% | 36% | 34% | 32% | 16% | 26% | 26% | 25% | 25% | |
| Net Profit | 965 | 925 | 787 | 530 | 1,216 | 1,867 | 1,086 | 780 | 1,150 | 2,071 | 1,943 | 2,261 | 2,293 |
| EPS in Rs | 7.46 | 7.13 | 6.03 | 4.00 | 8.53 | 13.15 | 7.73 | 5.56 | 8.18 | 14.91 | 13.90 | 16.27 | 16.49 |
| Dividend Payout % | 22% | 25% | 29% | 27% | 21% | 22% | 0% | 13% | 39% | 36% | 40% | 35% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -4.15% | -14.92% | -32.66% | 129.43% | 53.54% | -41.83% | -28.18% | 47.44% | 80.09% | -6.18% | 16.37% |
| Change in YoY Net Profit Growth (%) | 0.00% | -10.77% | -17.74% | 162.09% | -75.90% | -95.37% | 13.66% | 75.61% | 32.65% | -86.27% | 22.55% |
Mahindra & Mahindra Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 12% |
| 5 Years: | 9% |
| 3 Years: | 17% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 9% |
| 5 Years: | 16% |
| 3 Years: | 26% |
| TTM: | 11% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 6% |
| 5 Years: | 15% |
| 3 Years: | 7% |
| 1 Year: | -18% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 9% |
| 3 Years: | 11% |
| Last Year: | 11% |
Last Updated: September 5, 2025, 10:15 am
Balance Sheet
Last Updated: July 25, 2025, 2:49 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 113 | 113 | 113 | 113 | 123 | 123 | 123 | 246 | 247 | 247 | 247 | 247 |
| Reserves | 5,181 | 5,830 | 6,356 | 6,847 | 9,732 | 11,146 | 11,846 | 15,530 | 16,650 | 18,313 | 19,686 | 21,282 |
| Borrowing | 25,893 | 29,232 | 34,044 | 40,644 | 44,986 | 58,802 | 65,634 | 65,101 | 62,126 | 81,429 | 100,215 | 119,093 |
| Other Liabilities | 2,871 | 3,459 | 4,494 | 5,619 | 3,889 | 4,505 | 4,189 | 4,724 | 4,787 | 5,096 | 3,567 | 3,483 |
| Total Liabilities | 34,057 | 38,633 | 45,007 | 53,223 | 58,730 | 74,576 | 81,793 | 85,601 | 83,809 | 105,085 | 123,716 | 144,105 |
| Fixed Assets | 128 | 119 | 129 | 133 | 147 | 201 | 455 | 399 | 515 | 871 | 1,008 | 1,207 |
| CWIP | 0 | 0 | 0 | 1 | 0 | 1 | 1 | 12 | 2 | 3 | 106 | 66 |
| Investments | 722 | 654 | 1,199 | 1,374 | 2,378 | 3,327 | 5,340 | 12,126 | 8,654 | 10,063 | 9,598 | 10,590 |
| Other Assets | 33,207 | 37,860 | 43,679 | 51,714 | 56,205 | 71,046 | 75,996 | 73,064 | 74,637 | 94,148 | 113,004 | 132,242 |
| Total Assets | 34,057 | 38,633 | 45,007 | 53,223 | 58,730 | 74,576 | 81,793 | 85,601 | 83,809 | 105,085 | 123,716 | 144,105 |
Below is a detailed analysis of the balance sheet data for Mahindra & Mahindra Financial Services Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 247.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 247.00 Cr..
- For Reserves, as of Mar 2025, the value is 21,282.00 Cr.. The value appears strong and on an upward trend. It has increased from 19,686.00 Cr. (Mar 2024) to 21,282.00 Cr., marking an increase of 1,596.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 3,483.00 Cr.. The value appears to be improving (decreasing). It has decreased from 3,567.00 Cr. (Mar 2024) to 3,483.00 Cr., marking a decrease of 84.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 144,105.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 123,716.00 Cr. (Mar 2024) to 144,105.00 Cr., marking an increase of 20,389.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 1,207.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,008.00 Cr. (Mar 2024) to 1,207.00 Cr., marking an increase of 199.00 Cr..
- For CWIP, as of Mar 2025, the value is 66.00 Cr.. The value appears to be declining and may need further review. It has decreased from 106.00 Cr. (Mar 2024) to 66.00 Cr., marking a decrease of 40.00 Cr..
- For Investments, as of Mar 2025, the value is 10,590.00 Cr.. The value appears strong and on an upward trend. It has increased from 9,598.00 Cr. (Mar 2024) to 10,590.00 Cr., marking an increase of 992.00 Cr..
- For Other Assets, as of Mar 2025, the value is 132,242.00 Cr.. The value appears strong and on an upward trend. It has increased from 113,004.00 Cr. (Mar 2024) to 132,242.00 Cr., marking an increase of 19,238.00 Cr..
- For Total Assets, as of Mar 2025, the value is 144,105.00 Cr.. The value appears strong and on an upward trend. It has increased from 123,716.00 Cr. (Mar 2024) to 144,105.00 Cr., marking an increase of 20,389.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -24.00 | -28.00 | -32.00 | -37.00 | -42.00 | -55.00 | -61.00 | -59.00 | -57.00 | -77.00 | -94.00 | -113.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 19% | 16% | 12% | 8% | 14% | 17% | 9% | 5% | 7% | 12% | 10% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| HDFC Mid-Cap Opportunities Fund - Regular Plan | 32,429,749 | 1.59 | 937.87 | 32,429,749 | 2025-04-22 13:31:13 | 0% |
| Kotak Emerging Equity Fund - Regular Plan | 14,686,466 | 1.09 | 424.73 | 14,686,466 | 2025-04-22 17:25:27 | 0% |
| SBI Long Term Equity Fund | 11,249,195 | 1.62 | 325.33 | 11,249,195 | 2025-04-22 17:25:27 | 0% |
| Nippon India Growth Fund | 11,000,000 | 1.31 | 318.12 | 11,000,000 | 2025-04-22 17:25:27 | 0% |
| ICICI Prudential Multi Asset Fund | 8,320,017 | 0.73 | 240.61 | 8,320,017 | 2025-04-22 17:25:27 | 0% |
| SBI Contra Fund | 6,828,150 | 0.84 | 197.47 | 6,828,150 | 2025-04-22 17:25:27 | 0% |
| ICICI Prudential Large & Mid Cap Fund | 6,100,000 | 1.63 | 176.41 | 6,100,000 | 2025-04-22 17:25:27 | 0% |
| Axis Midcap Fund | 5,772,312 | 0.68 | 166.94 | 5,772,312 | 2025-04-22 17:25:27 | 0% |
| Franklin India Prima Fund | 5,375,000 | 1.54 | 155.45 | 5,375,000 | 2025-04-22 17:25:27 | 0% |
| HDFC Large and Mid Cap Fund - Regular Plan | 4,938,270 | 0.89 | 142.81 | 4,938,270 | 2025-04-22 17:25:27 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 18.32 | 15.66 | 16.81 | 9.23 | 6.99 |
| Diluted EPS (Rs.) | 18.31 | 15.65 | 16.79 | 9.21 | 6.98 |
| Cash EPS (Rs.) | 20.38 | 17.51 | 18.27 | 10.20 | 7.23 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 174.34 | 161.82 | 151.60 | 138.18 | 128.86 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 174.34 | 161.82 | 151.60 | 138.18 | 128.86 |
| Revenue From Operations / Share (Rs.) | 149.51 | 127.97 | 102.95 | 91.79 | 98.30 |
| PBDIT / Share (Rs.) | 94.73 | 79.12 | 65.96 | 49.09 | 49.71 |
| PBIT / Share (Rs.) | 92.13 | 76.89 | 64.13 | 47.86 | 48.49 |
| PBT / Share (Rs.) | 23.98 | 20.51 | 22.38 | 12.20 | 7.26 |
| Net Profit / Share (Rs.) | 17.78 | 15.29 | 16.44 | 8.96 | 6.01 |
| NP After MI And SOA / Share (Rs.) | 18.32 | 15.66 | 16.80 | 9.22 | 6.28 |
| PBDIT Margin (%) | 63.36 | 61.82 | 64.07 | 53.48 | 50.56 |
| PBIT Margin (%) | 61.62 | 60.08 | 62.29 | 52.14 | 49.32 |
| PBT Margin (%) | 16.04 | 16.02 | 21.73 | 13.29 | 7.38 |
| Net Profit Margin (%) | 11.89 | 11.94 | 15.96 | 9.76 | 6.11 |
| NP After MI And SOA Margin (%) | 12.25 | 12.23 | 16.31 | 10.04 | 6.38 |
| Return on Networth / Equity (%) | 10.50 | 9.69 | 11.16 | 6.72 | 4.90 |
| Return on Capital Employeed (%) | 16.38 | 15.29 | 14.00 | 11.58 | 12.21 |
| Return On Assets (%) | 1.56 | 1.56 | 1.97 | 1.35 | 0.90 |
| Long Term Debt / Equity (X) | 2.20 | 2.08 | 2.01 | 1.98 | 2.07 |
| Total Debt / Equity (X) | 5.53 | 4.93 | 4.39 | 3.68 | 4.13 |
| Asset Turnover Ratio (%) | 0.13 | 0.13 | 0.13 | 0.12 | 0.13 |
| Current Ratio (X) | 1.88 | 1.95 | 2.11 | 2.48 | 2.28 |
| Quick Ratio (X) | 1.88 | 1.95 | 2.11 | 2.48 | 2.28 |
| Dividend Payout Ratio (NP) (%) | 34.38 | 38.30 | 21.41 | 8.67 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 30.11 | 33.53 | 19.31 | 7.64 | 0.00 |
| Earning Retention Ratio (%) | 65.62 | 61.70 | 78.59 | 91.33 | 0.00 |
| Cash Earning Retention Ratio (%) | 69.89 | 66.47 | 80.69 | 92.36 | 0.00 |
| Interest Coverage Ratio (X) | 1.39 | 1.40 | 1.60 | 1.37 | 1.15 |
| Interest Coverage Ratio (Post Tax) (X) | 1.26 | 1.27 | 1.41 | 1.25 | 1.10 |
| Enterprise Value (Cr.) | 148231.06 | 129314.63 | 106110.18 | 77062.68 | 85722.06 |
| EV / Net Operating Revenue (X) | 8.03 | 8.19 | 8.36 | 6.81 | 7.08 |
| EV / EBITDA (X) | 12.67 | 13.24 | 13.04 | 12.73 | 14.00 |
| MarketCap / Net Operating Revenue (X) | 1.89 | 2.18 | 2.25 | 1.73 | 2.02 |
| Retention Ratios (%) | 65.61 | 61.69 | 78.58 | 91.32 | 0.00 |
| Price / BV (X) | 1.62 | 1.73 | 1.54 | 1.16 | 1.55 |
| Price / Net Operating Revenue (X) | 1.89 | 2.18 | 2.25 | 1.73 | 2.02 |
| EarningsYield | 0.06 | 0.05 | 0.07 | 0.05 | 0.03 |
After reviewing the key financial ratios for Mahindra & Mahindra Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 18.32. This value is within the healthy range. It has increased from 15.66 (Mar 24) to 18.32, marking an increase of 2.66.
- For Diluted EPS (Rs.), as of Mar 25, the value is 18.31. This value is within the healthy range. It has increased from 15.65 (Mar 24) to 18.31, marking an increase of 2.66.
- For Cash EPS (Rs.), as of Mar 25, the value is 20.38. This value is within the healthy range. It has increased from 17.51 (Mar 24) to 20.38, marking an increase of 2.87.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 174.34. It has increased from 161.82 (Mar 24) to 174.34, marking an increase of 12.52.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 174.34. It has increased from 161.82 (Mar 24) to 174.34, marking an increase of 12.52.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 149.51. It has increased from 127.97 (Mar 24) to 149.51, marking an increase of 21.54.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 94.73. This value is within the healthy range. It has increased from 79.12 (Mar 24) to 94.73, marking an increase of 15.61.
- For PBIT / Share (Rs.), as of Mar 25, the value is 92.13. This value is within the healthy range. It has increased from 76.89 (Mar 24) to 92.13, marking an increase of 15.24.
- For PBT / Share (Rs.), as of Mar 25, the value is 23.98. This value is within the healthy range. It has increased from 20.51 (Mar 24) to 23.98, marking an increase of 3.47.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 17.78. This value is within the healthy range. It has increased from 15.29 (Mar 24) to 17.78, marking an increase of 2.49.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 18.32. This value is within the healthy range. It has increased from 15.66 (Mar 24) to 18.32, marking an increase of 2.66.
- For PBDIT Margin (%), as of Mar 25, the value is 63.36. This value is within the healthy range. It has increased from 61.82 (Mar 24) to 63.36, marking an increase of 1.54.
- For PBIT Margin (%), as of Mar 25, the value is 61.62. This value exceeds the healthy maximum of 20. It has increased from 60.08 (Mar 24) to 61.62, marking an increase of 1.54.
- For PBT Margin (%), as of Mar 25, the value is 16.04. This value is within the healthy range. It has increased from 16.02 (Mar 24) to 16.04, marking an increase of 0.02.
- For Net Profit Margin (%), as of Mar 25, the value is 11.89. This value exceeds the healthy maximum of 10. It has decreased from 11.94 (Mar 24) to 11.89, marking a decrease of 0.05.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 12.25. This value is within the healthy range. It has increased from 12.23 (Mar 24) to 12.25, marking an increase of 0.02.
- For Return on Networth / Equity (%), as of Mar 25, the value is 10.50. This value is below the healthy minimum of 15. It has increased from 9.69 (Mar 24) to 10.50, marking an increase of 0.81.
- For Return on Capital Employeed (%), as of Mar 25, the value is 16.38. This value is within the healthy range. It has increased from 15.29 (Mar 24) to 16.38, marking an increase of 1.09.
- For Return On Assets (%), as of Mar 25, the value is 1.56. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 1.56.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 2.20. This value exceeds the healthy maximum of 1. It has increased from 2.08 (Mar 24) to 2.20, marking an increase of 0.12.
- For Total Debt / Equity (X), as of Mar 25, the value is 5.53. This value exceeds the healthy maximum of 1. It has increased from 4.93 (Mar 24) to 5.53, marking an increase of 0.60.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.13. There is no change compared to the previous period (Mar 24) which recorded 0.13.
- For Current Ratio (X), as of Mar 25, the value is 1.88. This value is within the healthy range. It has decreased from 1.95 (Mar 24) to 1.88, marking a decrease of 0.07.
- For Quick Ratio (X), as of Mar 25, the value is 1.88. This value is within the healthy range. It has decreased from 1.95 (Mar 24) to 1.88, marking a decrease of 0.07.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 34.38. This value is within the healthy range. It has decreased from 38.30 (Mar 24) to 34.38, marking a decrease of 3.92.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 30.11. This value is within the healthy range. It has decreased from 33.53 (Mar 24) to 30.11, marking a decrease of 3.42.
- For Earning Retention Ratio (%), as of Mar 25, the value is 65.62. This value is within the healthy range. It has increased from 61.70 (Mar 24) to 65.62, marking an increase of 3.92.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 69.89. This value is within the healthy range. It has increased from 66.47 (Mar 24) to 69.89, marking an increase of 3.42.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.39. This value is below the healthy minimum of 3. It has decreased from 1.40 (Mar 24) to 1.39, marking a decrease of 0.01.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 3. It has decreased from 1.27 (Mar 24) to 1.26, marking a decrease of 0.01.
- For Enterprise Value (Cr.), as of Mar 25, the value is 148,231.06. It has increased from 129,314.63 (Mar 24) to 148,231.06, marking an increase of 18,916.43.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 8.03. This value exceeds the healthy maximum of 3. It has decreased from 8.19 (Mar 24) to 8.03, marking a decrease of 0.16.
- For EV / EBITDA (X), as of Mar 25, the value is 12.67. This value is within the healthy range. It has decreased from 13.24 (Mar 24) to 12.67, marking a decrease of 0.57.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.89. This value is within the healthy range. It has decreased from 2.18 (Mar 24) to 1.89, marking a decrease of 0.29.
- For Retention Ratios (%), as of Mar 25, the value is 65.61. This value is within the healthy range. It has increased from 61.69 (Mar 24) to 65.61, marking an increase of 3.92.
- For Price / BV (X), as of Mar 25, the value is 1.62. This value is within the healthy range. It has decreased from 1.73 (Mar 24) to 1.62, marking a decrease of 0.11.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.89. This value is within the healthy range. It has decreased from 2.18 (Mar 24) to 1.89, marking a decrease of 0.29.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.06, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Mahindra & Mahindra Financial Services Ltd:
- Net Profit Margin: 11.89%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 16.38% (Industry Average ROCE: 21.7%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 10.5% (Industry Average ROE: 14.2%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.26
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.88
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 18.2 (Industry average Stock P/E: 134.09)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 5.53
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 11.89%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Gateway Building, Mumbai Maharashtra 400001 | company.secretary@%20mahindrafinance.com http://www.mahindrafinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Anish Shah | Non Executive Chairman |
| Mr. Raul Rebello | Managing Director & CEO |
| Mr. Ashwani Ghai | Non Exe.Non Ind.Director |
| Mr. Amarjyoti Barua | Non Exe.Non Ind.Director |
| Mr. Milind Sarwate | Independent Director |
| Mr. Diwakar Gupta | Independent Director |
| Mr. Vijay Kumar Sharma | Independent Director |
| Dr. Rebecca Nugent | Independent Director |
FAQ
What is the intrinsic value of Mahindra & Mahindra Financial Services Ltd?
Mahindra & Mahindra Financial Services Ltd's intrinsic value (as of 28 October 2025) is 251.30 which is 16.23% lower the current market price of 300.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 41,630 Cr. market cap, FY2025-2026 high/low of 306/232, reserves of ₹21,282 Cr, and liabilities of 144,105 Cr.
What is the Market Cap of Mahindra & Mahindra Financial Services Ltd?
The Market Cap of Mahindra & Mahindra Financial Services Ltd is 41,630 Cr..
What is the current Stock Price of Mahindra & Mahindra Financial Services Ltd as on 28 October 2025?
The current stock price of Mahindra & Mahindra Financial Services Ltd as on 28 October 2025 is 300.
What is the High / Low of Mahindra & Mahindra Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Mahindra & Mahindra Financial Services Ltd stocks is 306/232.
What is the Stock P/E of Mahindra & Mahindra Financial Services Ltd?
The Stock P/E of Mahindra & Mahindra Financial Services Ltd is 18.2.
What is the Book Value of Mahindra & Mahindra Financial Services Ltd?
The Book Value of Mahindra & Mahindra Financial Services Ltd is 155.
What is the Dividend Yield of Mahindra & Mahindra Financial Services Ltd?
The Dividend Yield of Mahindra & Mahindra Financial Services Ltd is 2.16 %.
What is the ROCE of Mahindra & Mahindra Financial Services Ltd?
The ROCE of Mahindra & Mahindra Financial Services Ltd is 8.77 %.
What is the ROE of Mahindra & Mahindra Financial Services Ltd?
The ROE of Mahindra & Mahindra Financial Services Ltd is 10.9 %.
What is the Face Value of Mahindra & Mahindra Financial Services Ltd?
The Face Value of Mahindra & Mahindra Financial Services Ltd is 2.00.