Share Price and Basic Stock Data
Last Updated: February 13, 2026, 9:03 pm
| PEG Ratio | 1.22 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Mahindra & Mahindra Financial Services Ltd (M&M Financial) operates in the finance and investments sector, focusing primarily on offering a range of financial services, including loans for automotive and agricultural sectors. The company’s revenue has displayed a consistent upward trajectory, standing at ₹12,828 Cr in March 2023, up from ₹11,419 Cr in March 2022. For the trailing twelve months (TTM), revenue reached ₹19,699 Cr, indicating robust growth potential. Quarterly revenue figures also reflect this trend, with September 2023 reporting ₹3,833 Cr, and December 2023 expected to rise to ₹4,100 Cr. This growth can be attributed to strong demand for financing solutions amidst a recovering economy and a focus on expanding their customer base. The revenue growth from ₹5,294 Cr in March 2014 to ₹12,828 Cr in March 2023 underscores M&M Financial’s ability to capitalize on market opportunities effectively.
Profitability and Efficiency Metrics
M&M Financial reported a net profit of ₹2,469 Cr for the fiscal year ending March 2025, reflecting significant profitability relative to its historical performance. The net profit margin stood at 11.89% in March 2025, a notable increase from 9.76% in March 2022. The company’s return on equity (ROE) was reported at 10.9%, while return on capital employed (ROCE) was at 8.77%, demonstrating efficient use of equity and capital. However, financing profit margins have fluctuated, with a high of 27% in December 2022 and a low of 11% in September 2023, suggesting challenges in maintaining consistent margins. The interest coverage ratio (ICR) of 1.39x indicates that M&M Financial can meet its interest obligations comfortably, although it remains below the typical sector range, which may raise questions about future profitability under tighter interest rate conditions.
Balance Sheet Strength and Financial Ratios
The balance sheet of M&M Financial demonstrates a solid foundation with total assets amounting to ₹149,086 Cr as of September 2025, up from ₹105,085 Cr in March 2023. The company’s reserves have also increased significantly, reaching ₹24,482 Cr, providing a cushion against potential financial stresses. The total debt-to-equity ratio stood at 5.53x in March 2025, indicating a highly leveraged position which could pose risks in a rising interest rate environment. Furthermore, the company’s book value per share increased to ₹174.34 in March 2025 from ₹138.18 in March 2022, reflecting a growing asset base. However, the high leverage, coupled with a declining financing margin, could impair the company’s ability to navigate economic downturns effectively. The current ratio of 1.88x suggests adequate liquidity, although it has seen a decline from previous years.
Shareholding Pattern and Investor Confidence
The shareholding structure of M&M Financial reveals a stable ownership pattern, with promoters holding 52.49% as of September 2025, a slight increase from 52.16% in December 2022. Institutional investors, including foreign institutional investors (FIIs) at 9.59% and domestic institutional investors (DIIs) at 32.29%, reflect a healthy interest in the company. However, the reduction in FIIs from 16.09% in December 2022 to 9.59% in September 2025 may indicate waning confidence among foreign investors. The overall number of shareholders has remained relatively stable, with 2,22,526 as of September 2025, suggesting investor retention amidst market fluctuations. The public shareholding has decreased slightly to 5.58%, which may raise concerns about liquidity in the stock, but the overall structure remains supportive of the company’s long-term growth prospects.
Outlook, Risks, and Final Insight
Looking ahead, M&M Financial is well-positioned to leverage its market presence and growing revenue streams. The company’s focus on expanding its lending portfolio and enhancing operational efficiency can provide a competitive edge. However, risks remain, particularly from high leverage and fluctuating financing margins, which could impact profitability in a rising interest rate scenario. Additionally, the dependence on the automotive and agricultural sectors makes it vulnerable to sector-specific downturns. The company must navigate these challenges while capitalizing on growth opportunities in the evolving financial landscape. Overall, while M&M Financial has demonstrated resilience and growth potential, careful management of its debt levels and operational efficiencies will be critical in sustaining its upward trajectory in the competitive financial services market.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 10.3 Cr. | 35.1 | 53.0/34.6 | 49.0 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,367 Cr. | 298 | 399/265 | 14.8 | 111 | 0.34 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.0 Cr. | 0.47 | 0.90/0.38 | 5.28 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.76 Cr. | 7.59 | 11.5/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 14.6 Cr. | 28.4 | 69.9/24.5 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,129.35 Cr | 1,243.67 | 64.99 | 4,366.31 | 0.38% | 21.71% | 14.20% | 7.23 |
All Competitor Stocks of Mahindra & Mahindra Financial Services Ltd
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3,324 | 3,463 | 3,583 | 3,833 | 4,100 | 4,280 | 4,316 | 4,465 | 4,797 | 4,886 | 4,991 | 5,026 | 5,450 |
| Interest | 1,373 | 1,477 | 1,597 | 1,703 | 1,798 | 1,861 | 1,960 | 2,062 | 2,175 | 2,218 | 2,280 | 2,198 | 2,236 |
| Expenses | 1,041 | 1,072 | 1,504 | 1,724 | 1,456 | 1,520 | 1,676 | 1,830 | 1,325 | 2,001 | 1,964 | 2,015 | 1,913 |
| Financing Profit | 910 | 913 | 482 | 406 | 846 | 900 | 679 | 573 | 1,297 | 667 | 746 | 814 | 1,301 |
| Financing Margin % | 27% | 26% | 13% | 11% | 21% | 21% | 16% | 13% | 27% | 14% | 15% | 16% | 24% |
| Other Income | 36 | 86 | 67 | 44 | 50 | 68 | 58 | 28 | 19 | 27 | 43 | 39 | -100 |
| Depreciation | 63 | 65 | 66 | 67 | 69 | 72 | 76 | 79 | 82 | 85 | 86 | 94 | 96 |
| Profit before tax | 884 | 934 | 483 | 383 | 826 | 896 | 661 | 523 | 1,233 | 609 | 704 | 759 | 1,105 |
| Tax % | 25% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | 26% | 25% | 25% | 25% | 25% |
| Net Profit | 664 | 675 | 362 | 287 | 623 | 671 | 497 | 390 | 918 | 456 | 529 | 566 | 826 |
| EPS in Rs | 4.76 | 4.90 | 2.58 | 2.02 | 4.48 | 4.82 | 3.58 | 2.80 | 6.60 | 3.29 | 3.80 | 4.06 | 5.93 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 5, 2026, 2:59 am
Below is a detailed analysis of the quarterly data for Mahindra & Mahindra Financial Services Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 2,236.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 2,198.00 Cr. (Sep 2025) to 2,236.00 Cr., marking an increase of 38.00 Cr..
- For Expenses, as of Dec 2025, the value is 1,913.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 2,015.00 Cr. (Sep 2025) to 1,913.00 Cr., marking a decrease of 102.00 Cr..
- For Other Income, as of Dec 2025, the value is -100.00 Cr.. The value appears to be declining and may need further review. It has decreased from 39.00 Cr. (Sep 2025) to -100.00 Cr., marking a decrease of 139.00 Cr..
- For Depreciation, as of Dec 2025, the value is 96.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 94.00 Cr. (Sep 2025) to 96.00 Cr., marking an increase of 2.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 1,105.00 Cr.. The value appears strong and on an upward trend. It has increased from 759.00 Cr. (Sep 2025) to 1,105.00 Cr., marking an increase of 346.00 Cr..
- For Tax %, as of Dec 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 25.00%.
- For Net Profit, as of Dec 2025, the value is 826.00 Cr.. The value appears strong and on an upward trend. It has increased from 566.00 Cr. (Sep 2025) to 826.00 Cr., marking an increase of 260.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 5.93. The value appears strong and on an upward trend. It has increased from 4.06 (Sep 2025) to 5.93, marking an increase of 1.87.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:01 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 | 19,699 |
| 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 | 8,870 |
| 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 | 7,305 |
| 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 | 3,524 |
| Financing Margin % | 28% | 24% | 19% | 12% | 24% | 28% | 14% | 8% | 14% | 24% | 18% | 18% | 18% |
| Other Income | 7 | 10 | 12 | 12 | 33 | 49 | 47 | 57 | 47 | -8 | 64 | 77 | 127 |
| Depreciation | 26 | 46 | 46 | 54 | 55 | 76 | 147 | 151 | 152 | 226 | 275 | 321 | 347 |
| 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 | 3,305 |
| 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 | 2,469 |
| 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 | 17.75 |
| 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: December 4, 2025, 1:36 am
| 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 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 113 | 113 | 113 | 113 | 123 | 123 | 123 | 246 | 247 | 247 | 247 | 247 | 278 |
| 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 | 24,482 |
| 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 | 121,389 |
| 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 | 2,937 |
| 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 | 149,086 |
| Fixed Assets | 128 | 119 | 129 | 133 | 147 | 201 | 455 | 399 | 515 | 871 | 1,008 | 1,207 | 1,294 |
| CWIP | 0 | 0 | 0 | 1 | 0 | 1 | 1 | 12 | 2 | 3 | 106 | 66 | 2 |
| Investments | 722 | 654 | 1,199 | 1,374 | 2,378 | 3,327 | 5,340 | 12,126 | 8,654 | 10,063 | 9,598 | 10,590 | 7,759 |
| 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 | 140,031 |
| 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 | 149,086 |
Below is a detailed analysis of the balance sheet data for Mahindra & Mahindra Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 278.00 Cr.. The value appears strong and on an upward trend. It has increased from 247.00 Cr. (Mar 2025) to 278.00 Cr., marking an increase of 31.00 Cr..
- For Reserves, as of Sep 2025, the value is 24,482.00 Cr.. The value appears strong and on an upward trend. It has increased from 21,282.00 Cr. (Mar 2025) to 24,482.00 Cr., marking an increase of 3,200.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 2,937.00 Cr.. The value appears to be improving (decreasing). It has decreased from 3,483.00 Cr. (Mar 2025) to 2,937.00 Cr., marking a decrease of 546.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 149,086.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 144,105.00 Cr. (Mar 2025) to 149,086.00 Cr., marking an increase of 4,981.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 1,294.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,207.00 Cr. (Mar 2025) to 1,294.00 Cr., marking an increase of 87.00 Cr..
- For CWIP, as of Sep 2025, the value is 2.00 Cr.. The value appears to be declining and may need further review. It has decreased from 66.00 Cr. (Mar 2025) to 2.00 Cr., marking a decrease of 64.00 Cr..
- For Investments, as of Sep 2025, the value is 7,759.00 Cr.. The value appears to be declining and may need further review. It has decreased from 10,590.00 Cr. (Mar 2025) to 7,759.00 Cr., marking a decrease of 2,831.00 Cr..
- For Other Assets, as of Sep 2025, the value is 140,031.00 Cr.. The value appears strong and on an upward trend. It has increased from 132,242.00 Cr. (Mar 2025) to 140,031.00 Cr., marking an increase of 7,789.00 Cr..
- For Total Assets, as of Sep 2025, the value is 149,086.00 Cr.. The value appears strong and on an upward trend. It has increased from 144,105.00 Cr. (Mar 2025) to 149,086.00 Cr., marking an increase of 4,981.00 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
| 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
| 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 Fund | 61,975,386 | 2.7 | 2497.61 | N/A | N/A | N/A |
| SBI ELSS Tax Saver Fund | 21,086,115 | 2.61 | 849.77 | N/A | N/A | N/A |
| SBI Contra Fund | 19,717,172 | 1.59 | 794.6 | 6,828,150 | 2025-12-08 00:07:54 | 188.76% |
| SBI Midcap Fund | 19,000,000 | 3.28 | 765.7 | 22,500,000 | 2026-01-26 06:12:10 | -15.56% |
| Sundaram Mid Cap Fund | 11,544,032 | 3.5 | 465.22 | 11,843,703 | 2026-01-25 06:27:19 | -2.53% |
| SBI Balanced Advantage Fund | 10,993,611 | 1.11 | 443.04 | N/A | N/A | N/A |
| Nippon India Growth Mid Cap Fund | 10,499,100 | 1 | 423.11 | N/A | N/A | N/A |
| HDFC Large and Mid Cap Fund | 9,829,103 | 1.37 | 396.11 | N/A | N/A | N/A |
| Franklin India Mid Cap Fund | 7,539,186 | 2.37 | 303.83 | 8,614,462 | 2026-01-26 00:57:43 | -12.48% |
| Tata Large & Mid Cap Fund | 5,750,000 | 2.67 | 231.73 | N/A | N/A | N/A |
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
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: 21.71%)
- 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: 20.4 (Industry average Stock P/E: 64.99)
- 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 | Contact not found |
| 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 14 February 2026) is ₹376.32 which is 3.67% higher the current market price of ₹363.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹50,472 Cr. market cap, FY2025-2026 high/low of ₹412/232, reserves of ₹24,482 Cr, and liabilities of ₹149,086 Cr.
What is the Market Cap of Mahindra & Mahindra Financial Services Ltd?
The Market Cap of Mahindra & Mahindra Financial Services Ltd is 50,472 Cr..
What is the current Stock Price of Mahindra & Mahindra Financial Services Ltd as on 14 February 2026?
The current stock price of Mahindra & Mahindra Financial Services Ltd as on 14 February 2026 is ₹363.
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 ₹412/232.
What is the Stock P/E of Mahindra & Mahindra Financial Services Ltd?
The Stock P/E of Mahindra & Mahindra Financial Services Ltd is 20.4.
What is the Book Value of Mahindra & Mahindra Financial Services Ltd?
The Book Value of Mahindra & Mahindra Financial Services Ltd is 178.
What is the Dividend Yield of Mahindra & Mahindra Financial Services Ltd?
The Dividend Yield of Mahindra & Mahindra Financial Services Ltd is 1.79 %.
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.