Share Price and Basic Stock Data
Last Updated: January 9, 2026, 3:26 am
| PEG Ratio | 1.24 |
|---|
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 and investments sector, with a current market capitalization of ₹6,081 Cr and a share price of ₹335. The company has shown a robust revenue growth trajectory, with reported revenues rising from ₹690 Cr in FY 2022 to ₹980 Cr in FY 2023, and projected to reach ₹1,597 Cr by FY 2025. Quarterly revenue figures have consistently increased, with the latest quarterly report for September 2023 showing revenue at ₹310 Cr, up from ₹293 Cr in June 2023. This upward trend is indicative of strong demand for financial services, positioning MAS Financial strategically in a growing market. The company has also consistently improved its quarterly revenues, with expectations of reaching ₹384 Cr by September 2024. This performance reflects a healthy expansion strategy aimed at enhancing its market share and service offerings.
Profitability and Efficiency Metrics
The company’s profitability metrics are commendable, with a net profit of ₹342 Cr reported for FY 2025, an increase from ₹206 Cr in FY 2023. The net profit margin stood at 19.67% for FY 2025, reflecting efficient cost management and operational effectiveness. The return on equity (ROE) was reported at 14.1%, while return on capital employed (ROCE) was at 11.3%, both of which are favorable compared to typical sector ranges. Furthermore, the financing profit margin has remained stable around 26%, which indicates consistent profitability from core operations. However, the interest coverage ratio (ICR) is at 1.56x, suggesting a moderate ability to meet interest obligations, which is an area to monitor closely as interest rates fluctuate in the market.
Balance Sheet Strength and Financial Ratios
MAS Financial’s balance sheet demonstrates significant strength, with total assets amounting to ₹12,199 Cr as of FY 2025, up from ₹8,015 Cr in FY 2023. The company reported reserves of ₹2,630 Cr, indicating a solid buffer for future investments and growth. The debt levels have also increased, with borrowings reported at ₹9,156 Cr, up from ₹6,128 Cr in FY 2023, leading to a high total debt-to-equity ratio of 3.51x. This ratio is considerably above the sector average, indicating potential risks associated with high leverage. Moreover, the price-to-book value ratio at 1.71x suggests that the stock is reasonably valued compared to its book value, making it attractive for investors looking for long-term growth potential.
Shareholding Pattern and Investor Confidence
The shareholding pattern of MAS Financial Services reflects a mix of institutional and retail investor confidence. Promoters hold 66.63% of the company, ensuring significant control and alignment with shareholder interests. Foreign institutional investors (FIIs) have increased their stake to 3.18%, while domestic institutional investors (DIIs) hold 20.15%. The public shareholding stands at 10.04%, with the number of shareholders increasing to 43,237. This diverse ownership structure is indicative of a stable investor base, yet the declining promoter holding from 73.72% in December 2022 to the current level raises questions about potential dilution of control. Nonetheless, the growing participation of DIIs signals positive sentiment towards the company’s growth prospects.
Outlook, Risks, and Final Insight
The outlook for MAS Financial Services Ltd appears optimistic, given its strong revenue growth and profitability metrics. However, the company faces several risks, including its high leverage, which could strain financial stability if interest rates rise significantly. Additionally, the fluctuating promoter shareholding could affect investor sentiment and control dynamics. On the positive side, the company’s strong reserves and asset growth position it well to capitalize on emerging opportunities in the financial services sector. Moving forward, MAS Financial must focus on managing its debt levels while maintaining profitability to ensure sustainable growth. A balanced approach to leveraging its financial strength and mitigating risks will be crucial for its continued success in a competitive landscape.
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 | 11.2 Cr. | 38.2 | 60.0/36.4 | 44.8 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,381 Cr. | 300 | 484/280 | 15.3 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 29.5 Cr. | 0.42 | 1.59/0.38 | 4.09 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.01 Cr. | 10.1 | 11.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.8 Cr. | 40.5 | 69.9/38.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,224.85 Cr | 1,348.21 | 76.08 | 3,844.57 | 0.36% | 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 | 13,939,573 | 0.63 | 430.45 | N/A | N/A | N/A |
| Bandhan Value Fund | 2,500,000 | 0.74 | 77.2 | N/A | N/A | N/A |
| Bandhan ELSS Tax Saver Fund | 2,000,000 | 0.84 | 61.76 | 660,000 | 2025-12-08 01:21:14 | 203.03% |
| Bandhan Flexi Cap Fund | 1,405,887 | 0.56 | 43.41 | N/A | N/A | N/A |
| Bandhan Multi Cap Fund | 810,000 | 0.87 | 25.01 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 534,890 | 0.45 | 16.52 | N/A | N/A | N/A |
| Aditya Birla Sun Life Bal Bhavishya Yojna | 407,162 | 1.05 | 12.57 | N/A | N/A | N/A |
| LIC MF Banking & Financial Services Fund | 404,822 | 4.27 | 12.5 | 402,877 | 2025-12-14 00:06:10 | 0.48% |
| LIC MF Small Cap Fund | 326,325 | 1.63 | 10.08 | 253,350 | 2025-12-14 00:06:10 | 28.8% |
| LIC MF Focused Fund | 293,607 | 5.24 | 9.07 | 291,188 | 2025-12-14 00:06:10 | 0.83% |
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: 17.2 (Industry average Stock P/E: 76.08)
- 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 08 January 2026) is ₹302.32 which is 5.82% lower the current market price of ₹321.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹5,829 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 5,829 Cr..
What is the current Stock Price of MAS Financial Services Ltd as on 08 January 2026?
The current stock price of MAS Financial Services Ltd as on 08 January 2026 is ₹321.
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 17.2.
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.