Share Price and Basic Stock Data
Last Updated: January 29, 2026, 6:34 pm
| PEG Ratio | 1.18 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
MAS Financial Services Ltd operates in the Finance & Investments industry and reported a market capitalization of ₹5,776 Cr. The company’s revenue trajectory demonstrates a consistent upward trend, with quarterly revenues increasing from ₹241 Cr in September 2022 to ₹310 Cr in September 2023. For the fiscal year ending March 2025, revenue is projected to reach ₹1,597 Cr, reflecting a significant increase from ₹980 Cr reported in March 2023. The company has shown resilience despite economic fluctuations, with revenue growth supported by a diversified financial product offering. Interest income has also risen, reaching ₹154 Cr in September 2023, up from ₹116 Cr a year earlier. Over the past few quarters, the financing margin has stabilized at around 26%, indicating effective management of interest income relative to expenses. Overall, MAS Financial Services Ltd has positioned itself favorably in the market, capitalizing on growth opportunities in the finance sector.
Profitability and Efficiency Metrics
The company reported a net profit of ₹342 Cr for the trailing twelve months, with a net profit margin of 19.67%. This margin is relatively robust compared to industry standards, which typically range between 15% and 20%. The return on equity (ROE) stood at 14.1%, while return on capital employed (ROCE) was reported at 11.3%. These figures indicate efficient utilization of equity and capital, contributing to overall profitability. The company’s interest coverage ratio (ICR) of 1.56x suggests a comfortable ability to meet interest obligations, although it is slightly below the ideal range of 2.0x or higher typically seen in the sector. The financing profit, which has increased to ₹81 Cr in September 2023, reinforces the company’s operational efficiency. However, the company must remain vigilant in managing expenses, which rose to ₹76 Cr in the same quarter, as they can impact future profitability if not controlled effectively.
Balance Sheet Strength and Financial Ratios
MAS Financial Services Ltd reported total assets of ₹12,199 Cr as of March 2025, an increase from ₹8,015 Cr in March 2023. This growth is supported by an increase in reserves, which stood at ₹2,630 Cr as of September 2025, up from ₹1,464 Cr in March 2023. The company’s total liabilities also rose to ₹13,140 Cr, with borrowings increasing to ₹9,910 Cr, reflecting a leveraged growth strategy. The debt-to-equity ratio is notably high at 3.51x, indicating a reliance on debt financing, which may pose risks if not managed prudently. However, the current ratio of 1.26x provides a cushion for short-term obligations, aligning well with industry norms. Additionally, the book value per share has grown to ₹143.78, showcasing an increase in shareholder value. These metrics indicate a solid balance sheet, though the high leverage calls for careful monitoring of interest rates and market conditions.
Shareholding Pattern and Investor Confidence
The shareholding pattern of MAS Financial Services Ltd reveals a significant promoter holding of 66.63%, which reflects strong confidence from the founding members. Institutional investors, including foreign institutional investors (FIIs) and domestic institutional investors (DIIs), hold 3.18% and 20.15%, respectively, indicating a moderate level of institutional interest. The number of shareholders increased to 43,237 as of September 2025, suggesting growing public interest in the company’s prospects. The recent slight decline in promoter holdings from 73.72% in March 2023 to the current level may raise questions among investors about long-term commitment. However, the steady increase in DII participation from 11.04% in December 2022 to 20.15% indicates improving institutional sentiment. This evolving shareholding structure could enhance liquidity and market confidence in the company’s future performance.
Outlook, Risks, and Final Insight
Looking ahead, MAS Financial Services Ltd has the potential for continued revenue growth driven by its expanding product offerings and a solid customer base. However, the company faces risks related to its high leverage, as evidenced by a debt-to-equity ratio of 3.51x, which may become burdensome if interest rates rise or if there are economic downturns. Additionally, managing operating expenses will be critical to maintaining profitability margins. The company’s ability to sustain its financing margins amidst competitive pressures will also be a key determinant of future success. Overall, while MAS Financial Services Ltd demonstrates strong fundamentals and growth prospects, it must navigate the challenges of high debt and operational efficiency to capitalize on its market position effectively. The focus should be on optimizing its capital structure and maintaining robust profit margins to ensure long-term sustainability.
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 | 11.8 Cr. | 40.3 | 57.0/36.4 | 47.3 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,183 Cr. | 275 | 455/269 | 13.6 | 111 | 0.36 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 28.1 Cr. | 0.40 | 1.13/0.38 | 3.89 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 3.75 Cr. | 7.58 | 11.6/7.58 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 16.1 Cr. | 31.4 | 69.9/31.4 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,083.95 Cr | 1,252.71 | 66.88 | 4,368.01 | 0.38% | 21.71% | 14.20% | 7.28 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 241 | 261 | 278 | 293 | 310 | 335 | 347 | 364 | 384 | 410 | 438 | 466 | 480 |
| Interest | 116 | 133 | 150 | 150 | 154 | 172 | 171 | 181 | 185 | 195 | 202 | 217 | 224 |
| Expenses | 56 | 59 | 57 | 66 | 76 | 76 | 83 | 86 | 95 | 106 | 124 | 132 | 134 |
| Financing Profit | 69 | 69 | 72 | 77 | 81 | 86 | 93 | 97 | 104 | 109 | 113 | 117 | 123 |
| Financing Margin % | 29% | 27% | 26% | 26% | 26% | 26% | 27% | 27% | 27% | 27% | 26% | 25% | 26% |
| Other Income | 0 | 1 | 1 | 0 | 3 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 2 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| Profit before tax | 68 | 69 | 72 | 77 | 83 | 87 | 94 | 97 | 104 | 108 | 112 | 116 | 123 |
| Tax % | 25% | 25% | 21% | 25% | 25% | 26% | 25% | 25% | 25% | 26% | 26% | 25% | 26% |
| Net Profit | 51 | 52 | 57 | 58 | 62 | 64 | 70 | 73 | 78 | 80 | 83 | 87 | 91 |
| EPS in Rs | 3.06 | 3.13 | 3.43 | 3.47 | 3.73 | 3.88 | 4.23 | 3.95 | 4.23 | 4.38 | 4.54 | 4.71 | 4.98 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: December 30, 2025, 12:37 am
Below is a detailed analysis of the quarterly data for MAS Financial Services Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 224.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 217.00 Cr. (Jun 2025) to 224.00 Cr., marking an increase of 7.00 Cr..
- For Expenses, as of Sep 2025, the value is 134.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 132.00 Cr. (Jun 2025) to 134.00 Cr., marking an increase of 2.00 Cr..
- For Other Income, as of Sep 2025, the value is 2.00 Cr.. The value appears strong and on an upward trend. It has increased from 1.00 Cr. (Jun 2025) to 2.00 Cr., marking an increase of 1.00 Cr..
- For Depreciation, as of Sep 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 2.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 123.00 Cr.. The value appears strong and on an upward trend. It has increased from 116.00 Cr. (Jun 2025) to 123.00 Cr., marking an increase of 7.00 Cr..
- For Tax %, as of Sep 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 25.00% (Jun 2025) to 26.00%, marking an increase of 1.00%.
- For Net Profit, as of Sep 2025, the value is 91.00 Cr.. The value appears strong and on an upward trend. It has increased from 87.00 Cr. (Jun 2025) to 91.00 Cr., marking an increase of 4.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 4.98. The value appears strong and on an upward trend. It has increased from 4.71 (Jun 2025) to 4.98, marking an increase of 0.27.
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, 5:00 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 | 185 | 238 | 309 | 365 | 477 | 605 | 710 | 627 | 690 | 980 | 1,289 | 1,597 | 1,794 |
| Interest | 80 | 113 | 142 | 165 | 187 | 225 | 299 | 286 | 340 | 498 | 650 | 770 | 837 |
| Expenses | 55 | 62 | 82 | 92 | 118 | 138 | 175 | 143 | 132 | 209 | 297 | 403 | 496 |
| Financing Profit | 50 | 63 | 85 | 107 | 171 | 242 | 236 | 198 | 218 | 273 | 342 | 424 | 461 |
| Financing Margin % | 27% | 26% | 27% | 29% | 36% | 40% | 33% | 32% | 32% | 28% | 27% | 27% | 26% |
| Other Income | 0 | 0 | -0 | -0 | -2 | -2 | -3 | 0 | 1 | 1 | 2 | 3 | 4 |
| Depreciation | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 2 | 3 | 4 | 6 | 6 |
| Profit before tax | 50 | 62 | 84 | 106 | 168 | 238 | 230 | 196 | 217 | 272 | 340 | 421 | 459 |
| Tax % | 33% | 34% | 35% | 35% | 37% | 35% | 27% | 26% | 26% | 24% | 25% | 25% | |
| Net Profit | 33 | 41 | 55 | 69 | 105 | 155 | 168 | 146 | 161 | 206 | 254 | 314 | 342 |
| EPS in Rs | 6.79 | 8.33 | 11.29 | 5.32 | 6.41 | 9.36 | 10.21 | 8.80 | 9.71 | 12.39 | 15.31 | 17.11 | 18.61 |
| Dividend Payout % | 17% | 19% | 20% | 20% | 19% | 18% | 26% | 6% | 10% | 10% | 23% | 10% |
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 (%) | 24.24% | 34.15% | 25.45% | 52.17% | 47.62% | 8.39% | -13.10% | 10.27% | 27.95% | 23.30% | 23.62% |
| Change in YoY Net Profit Growth (%) | 0.00% | 9.90% | -8.69% | 26.72% | -4.55% | -39.23% | -21.48% | 23.37% | 17.68% | -4.65% | 0.32% |
MAS 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: | 21% |
| 5 Years: | 18% |
| 3 Years: | 32% |
| TTM: | 25% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 23% |
| 5 Years: | 13% |
| 3 Years: | 25% |
| TTM: | 22% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 2% |
| 3 Years: | 8% |
| 1 Year: | 10% |
| Return on Equity | |
|---|---|
| 10 Years: | 16% |
| 5 Years: | 14% |
| 3 Years: | 14% |
| Last Year: | 14% |
Last Updated: Unknown
Balance Sheet
Last Updated: December 4, 2025, 1:38 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 | 16 | 16 | 16 | 43 | 55 | 55 | 55 | 55 | 55 | 55 | 164 | 181 | 181 |
| Reserves | 61 | 88 | 122 | 241 | 725 | 861 | 932 | 1,125 | 1,295 | 1,464 | 1,619 | 2,427 | 2,630 |
| Borrowing | 816 | 1,124 | 1,404 | 1,311 | 1,455 | 2,273 | 2,796 | 3,513 | 4,439 | 6,128 | 7,426 | 9,156 | 9,910 |
| Other Liabilities | 239 | 343 | 405 | 605 | 665 | 801 | 1,037 | 737 | 519 | 369 | 339 | 434 | 419 |
| Total Liabilities | 1,133 | 1,572 | 1,947 | 2,200 | 2,898 | 3,990 | 4,820 | 5,430 | 6,309 | 8,015 | 9,547 | 12,199 | 13,140 |
| Fixed Assets | 6 | 4 | 8 | 9 | 58 | 13 | 15 | 12 | 14 | 17 | 25 | 27 | 32 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 46 | 48 | 50 | 52 | 58 | 70 | 92 | 107 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 202 | 493 | 791 | 726 | 1,526 | 1,131 |
| Other Assets | 1,127 | 1,567 | 1,938 | 2,191 | 2,840 | 3,932 | 4,752 | 5,166 | 5,750 | 7,149 | 8,726 | 10,554 | 11,870 |
| Total Assets | 1,133 | 1,572 | 1,947 | 2,200 | 2,898 | 3,990 | 4,820 | 5,430 | 6,309 | 8,015 | 9,547 | 12,199 | 13,140 |
Below is a detailed analysis of the balance sheet data for MAS 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 181.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 181.00 Cr..
- For Reserves, as of Sep 2025, the value is 2,630.00 Cr.. The value appears strong and on an upward trend. It has increased from 2,427.00 Cr. (Mar 2025) to 2,630.00 Cr., marking an increase of 203.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 419.00 Cr.. The value appears to be improving (decreasing). It has decreased from 434.00 Cr. (Mar 2025) to 419.00 Cr., marking a decrease of 15.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 13,140.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 12,199.00 Cr. (Mar 2025) to 13,140.00 Cr., marking an increase of 941.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 32.00 Cr.. The value appears strong and on an upward trend. It has increased from 27.00 Cr. (Mar 2025) to 32.00 Cr., marking an increase of 5.00 Cr..
- For CWIP, as of Sep 2025, the value is 107.00 Cr.. The value appears strong and on an upward trend. It has increased from 92.00 Cr. (Mar 2025) to 107.00 Cr., marking an increase of 15.00 Cr..
- For Investments, as of Sep 2025, the value is 1,131.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1,526.00 Cr. (Mar 2025) to 1,131.00 Cr., marking a decrease of 395.00 Cr..
- For Other Assets, as of Sep 2025, the value is 11,870.00 Cr.. The value appears strong and on an upward trend. It has increased from 10,554.00 Cr. (Mar 2025) to 11,870.00 Cr., marking an increase of 1,316.00 Cr..
- For Total Assets, as of Sep 2025, the value is 13,140.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,199.00 Cr. (Mar 2025) to 13,140.00 Cr., marking an increase of 941.00 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 | -761.00 | 61.00 | 81.00 | 91.00 | 117.00 | 136.00 | 173.00 | 140.00 | 128.00 | 203.00 | 290.00 | 394.00 |
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 % | 49% | 44% | 45% | 32% | 20% | 18% | 18% | 13% | 13% | 14% | 15% | 14% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Nippon India Small Cap Fund | 14,179,150 | 0.67 | 458.84 | 13,939,573 | 2026-01-25 02:17:23 | 1.72% |
| Bandhan Value Fund | 2,500,000 | 0.77 | 80.9 | N/A | N/A | N/A |
| Bandhan ELSS Tax Saver Fund | 2,000,000 | 0.88 | 64.72 | 660,000 | 2025-12-08 01:21:14 | 203.03% |
| Bandhan Flexi Cap Fund | 1,405,887 | 0.59 | 45.49 | N/A | N/A | N/A |
| Bandhan Multi Cap Fund | 810,000 | 0.9 | 26.21 | N/A | N/A | N/A |
| Baroda BNP Paribas Small Cap Fund | 800,000 | 2.12 | 25.89 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 534,890 | 0.47 | 17.31 | N/A | N/A | N/A |
| Baroda BNP Paribas Value Fund | 435,646 | 1.21 | 14.1 | N/A | N/A | N/A |
| Aditya Birla Sun Life Bal Bhavishya Yojna | 407,162 | 1.09 | 13.18 | N/A | N/A | N/A |
| Bandhan Multi Asset Allocation Fund | 400,000 | 0.48 | 12.94 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 17.48 | 15.31 | 37.18 | 29.14 | 26.41 |
| Diluted EPS (Rs.) | 17.48 | 15.31 | 37.18 | 29.14 | 26.41 |
| Cash EPS (Rs.) | 17.61 | 15.75 | 38.15 | 29.86 | 27.09 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 143.78 | 110.90 | 282.57 | 245.12 | 219.57 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 143.78 | 110.90 | 282.57 | 245.12 | 219.57 |
| Revenue From Operations / Share (Rs.) | 87.96 | 78.00 | 180.72 | 126.26 | 114.70 |
| PBDIT / Share (Rs.) | 65.55 | 60.41 | 140.94 | 101.94 | 88.45 |
| PBIT / Share (Rs.) | 65.24 | 60.15 | 140.44 | 101.56 | 87.98 |
| PBT / Share (Rs.) | 23.20 | 20.71 | 49.70 | 39.60 | 35.85 |
| Net Profit / Share (Rs.) | 17.30 | 15.49 | 37.65 | 29.48 | 26.62 |
| NP After MI And SOA / Share (Rs.) | 17.11 | 15.31 | 37.19 | 29.14 | 26.41 |
| PBDIT Margin (%) | 74.52 | 77.44 | 77.98 | 80.73 | 77.11 |
| PBIT Margin (%) | 74.17 | 77.11 | 77.71 | 80.43 | 76.70 |
| PBT Margin (%) | 26.37 | 26.55 | 27.49 | 31.36 | 31.25 |
| Net Profit Margin (%) | 19.67 | 19.85 | 20.83 | 23.34 | 23.21 |
| NP After MI And SOA Margin (%) | 19.44 | 19.62 | 20.57 | 23.08 | 23.02 |
| Return on Networth / Equity (%) | 11.89 | 14.08 | 13.38 | 12.09 | 12.23 |
| Return on Capital Employeed (%) | 44.20 | 53.60 | 31.47 | 29.16 | 29.18 |
| Return On Assets (%) | 2.54 | 2.62 | 2.53 | 2.52 | 2.65 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.57 | 0.37 | 0.31 |
| Total Debt / Equity (X) | 3.51 | 4.17 | 4.04 | 3.37 | 2.98 |
| Asset Turnover Ratio (%) | 0.14 | 0.14 | 0.13 | 0.11 | 0.11 |
| Current Ratio (X) | 1.26 | 1.22 | 1.42 | 1.41 | 1.41 |
| Quick Ratio (X) | 1.26 | 1.22 | 1.42 | 1.41 | 1.41 |
| Dividend Payout Ratio (NP) (%) | 8.82 | 10.55 | 9.54 | 9.43 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 8.67 | 10.38 | 9.41 | 9.31 | 0.00 |
| Earning Retention Ratio (%) | 91.18 | 89.45 | 90.46 | 90.57 | 0.00 |
| Cash Earning Retention Ratio (%) | 91.33 | 89.62 | 90.59 | 90.69 | 0.00 |
| Interest Coverage Ratio (X) | 1.56 | 1.53 | 1.55 | 1.65 | 1.70 |
| Interest Coverage Ratio (Post Tax) (X) | 1.41 | 1.39 | 1.41 | 1.48 | 1.51 |
| Enterprise Value (Cr.) | 12517.61 | 11246.27 | 9742.34 | 6514.05 | 7182.04 |
| EV / Net Operating Revenue (X) | 7.84 | 8.79 | 9.86 | 9.44 | 11.45 |
| EV / EBITDA (X) | 10.52 | 11.35 | 12.65 | 11.69 | 14.85 |
| MarketCap / Net Operating Revenue (X) | 2.80 | 3.65 | 4.45 | 4.24 | 7.45 |
| Retention Ratios (%) | 91.17 | 89.44 | 90.45 | 90.56 | 0.00 |
| Price / BV (X) | 1.71 | 2.62 | 2.89 | 2.22 | 3.96 |
| Price / Net Operating Revenue (X) | 2.80 | 3.65 | 4.45 | 4.24 | 7.45 |
| EarningsYield | 0.06 | 0.05 | 0.04 | 0.05 | 0.03 |
After reviewing the key financial ratios for MAS 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 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 17.48. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 17.48, marking an increase of 2.17.
- For Diluted EPS (Rs.), as of Mar 25, the value is 17.48. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 17.48, marking an increase of 2.17.
- For Cash EPS (Rs.), as of Mar 25, the value is 17.61. This value is within the healthy range. It has increased from 15.75 (Mar 24) to 17.61, marking an increase of 1.86.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 143.78. It has increased from 110.90 (Mar 24) to 143.78, marking an increase of 32.88.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 143.78. It has increased from 110.90 (Mar 24) to 143.78, marking an increase of 32.88.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 87.96. It has increased from 78.00 (Mar 24) to 87.96, marking an increase of 9.96.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 65.55. This value is within the healthy range. It has increased from 60.41 (Mar 24) to 65.55, marking an increase of 5.14.
- For PBIT / Share (Rs.), as of Mar 25, the value is 65.24. This value is within the healthy range. It has increased from 60.15 (Mar 24) to 65.24, marking an increase of 5.09.
- For PBT / Share (Rs.), as of Mar 25, the value is 23.20. This value is within the healthy range. It has increased from 20.71 (Mar 24) to 23.20, marking an increase of 2.49.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 17.30. This value is within the healthy range. It has increased from 15.49 (Mar 24) to 17.30, marking an increase of 1.81.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 17.11. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 17.11, marking an increase of 1.80.
- For PBDIT Margin (%), as of Mar 25, the value is 74.52. This value is within the healthy range. It has decreased from 77.44 (Mar 24) to 74.52, marking a decrease of 2.92.
- For PBIT Margin (%), as of Mar 25, the value is 74.17. This value exceeds the healthy maximum of 20. It has decreased from 77.11 (Mar 24) to 74.17, marking a decrease of 2.94.
- For PBT Margin (%), as of Mar 25, the value is 26.37. This value is within the healthy range. It has decreased from 26.55 (Mar 24) to 26.37, marking a decrease of 0.18.
- For Net Profit Margin (%), as of Mar 25, the value is 19.67. This value exceeds the healthy maximum of 10. It has decreased from 19.85 (Mar 24) to 19.67, marking a decrease of 0.18.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 19.44. This value is within the healthy range. It has decreased from 19.62 (Mar 24) to 19.44, marking a decrease of 0.18.
- For Return on Networth / Equity (%), as of Mar 25, the value is 11.89. This value is below the healthy minimum of 15. It has decreased from 14.08 (Mar 24) to 11.89, marking a decrease of 2.19.
- For Return on Capital Employeed (%), as of Mar 25, the value is 44.20. This value is within the healthy range. It has decreased from 53.60 (Mar 24) to 44.20, marking a decrease of 9.40.
- For Return On Assets (%), as of Mar 25, the value is 2.54. This value is below the healthy minimum of 5. It has decreased from 2.62 (Mar 24) to 2.54, marking a decrease of 0.08.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.51. This value exceeds the healthy maximum of 1. It has decreased from 4.17 (Mar 24) to 3.51, marking a decrease of 0.66.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. There is no change compared to the previous period (Mar 24) which recorded 0.14.
- For Current Ratio (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 1.5. It has increased from 1.22 (Mar 24) to 1.26, marking an increase of 0.04.
- For Quick Ratio (X), as of Mar 25, the value is 1.26. This value is within the healthy range. It has increased from 1.22 (Mar 24) to 1.26, marking an increase of 0.04.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 8.82. This value is below the healthy minimum of 20. It has decreased from 10.55 (Mar 24) to 8.82, marking a decrease of 1.73.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 8.67. This value is below the healthy minimum of 20. It has decreased from 10.38 (Mar 24) to 8.67, marking a decrease of 1.71.
- For Earning Retention Ratio (%), as of Mar 25, the value is 91.18. This value exceeds the healthy maximum of 70. It has increased from 89.45 (Mar 24) to 91.18, marking an increase of 1.73.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 91.33. This value exceeds the healthy maximum of 70. It has increased from 89.62 (Mar 24) to 91.33, marking an increase of 1.71.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.56. This value is below the healthy minimum of 3. It has increased from 1.53 (Mar 24) to 1.56, marking an increase of 0.03.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.41. This value is below the healthy minimum of 3. It has increased from 1.39 (Mar 24) to 1.41, marking an increase of 0.02.
- For Enterprise Value (Cr.), as of Mar 25, the value is 12,517.61. It has increased from 11,246.27 (Mar 24) to 12,517.61, marking an increase of 1,271.34.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 7.84. This value exceeds the healthy maximum of 3. It has decreased from 8.79 (Mar 24) to 7.84, marking a decrease of 0.95.
- For EV / EBITDA (X), as of Mar 25, the value is 10.52. This value is within the healthy range. It has decreased from 11.35 (Mar 24) to 10.52, marking a decrease of 0.83.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.80. This value is within the healthy range. It has decreased from 3.65 (Mar 24) to 2.80, marking a decrease of 0.85.
- For Retention Ratios (%), as of Mar 25, the value is 91.17. This value exceeds the healthy maximum of 70. It has increased from 89.44 (Mar 24) to 91.17, marking an increase of 1.73.
- For Price / BV (X), as of Mar 25, the value is 1.71. This value is within the healthy range. It has decreased from 2.62 (Mar 24) to 1.71, marking a decrease of 0.91.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.80. This value is within the healthy range. It has decreased from 3.65 (Mar 24) to 2.80, marking a decrease of 0.85.
- 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 MAS Financial Services Ltd:
- Net Profit Margin: 19.67%
- 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: 44.2% (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%: 11.89% (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): 1.41
- 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: 1.26
- 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: 16.4 (Industry average Stock P/E: 66.88)
- 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: 3.51
- 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: 19.67%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 6, Ground Floor, Narayan Chambers, Ahmedabad Gujarat 380009 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Kamlesh C Gandhi | Chairman & Managing Director |
| Mrs. Darshana S Pandya | Director & CEO |
| Mr. Dhvanil Gandhi | Whole Time Director |
| Mr. Narayanan Sadanandan | Ind. Non-Executive Director |
| Mr. Umesh Rajanikant Shah | Ind. Non-Executive Director |
| Dr. Barnali Chaklader | Ind. Non-Executive Director |
| Mr. Vishal Vasu | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of MAS Financial Services Ltd?
MAS Financial Services Ltd's intrinsic value (as of 29 January 2026) is ₹328.31 which is 2.92% higher the current market price of ₹319.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹5,793 Cr. market cap, FY2025-2026 high/low of ₹350/220, reserves of ₹2,630 Cr, and liabilities of ₹13,140 Cr.
What is the Market Cap of MAS Financial Services Ltd?
The Market Cap of MAS Financial Services Ltd is 5,793 Cr..
What is the current Stock Price of MAS Financial Services Ltd as on 29 January 2026?
The current stock price of MAS Financial Services Ltd as on 29 January 2026 is ₹319.
What is the High / Low of MAS Financial Services Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of MAS Financial Services Ltd stocks is ₹350/220.
What is the Stock P/E of MAS Financial Services Ltd?
The Stock P/E of MAS Financial Services Ltd is 16.4.
What is the Book Value of MAS Financial Services Ltd?
The Book Value of MAS Financial Services Ltd is 155.
What is the Dividend Yield of MAS Financial Services Ltd?
The Dividend Yield of MAS Financial Services Ltd is 0.53 %.
What is the ROCE of MAS Financial Services Ltd?
The ROCE of MAS Financial Services Ltd is 11.3 %.
What is the ROE of MAS Financial Services Ltd?
The ROE of MAS Financial Services Ltd is 14.1 %.
What is the Face Value of MAS Financial Services Ltd?
The Face Value of MAS Financial Services Ltd is 10.0.