Share Price and Basic Stock Data
Last Updated: November 22, 2025, 9:09 am
| PEG Ratio | 1.22 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
MAS Financial Services Ltd, operating in the Finance & Investments sector, reported a revenue of ₹980 Cr for the fiscal year ending March 2023, a significant increase from ₹690 Cr in the previous year. The revenue trajectory has been robust, with a steady quarterly rise, culminating in ₹1,597 Cr for the fiscal year ending March 2025. This growth underscores a compounded annual growth rate (CAGR) of approximately 24.6% over the last two years. The latest quarterly figures for September 2023 showed a revenue of ₹310 Cr, reflecting a year-on-year growth of 28.7% from ₹241 Cr in September 2022. The company’s strong revenue performance is attributed to its effective lending practices and broader market demand. Furthermore, MAS Financial’s revenue from operations per share stood at ₹87.96 for the fiscal year ending March 2025, indicating efficient utilization of its capital resources. This consistent revenue growth positions MAS Financial favorably within the competitive landscape of the Indian finance sector.
Profitability and Efficiency Metrics
MAS Financial Services Ltd reported a net profit of ₹314 Cr for the fiscal year ending March 2025, up from ₹206 Cr in the previous year, showcasing a year-on-year increase of 52.4%. The net profit margin, a critical indicator of profitability, stood at 19.67% for the same fiscal year, slightly declining from 20.83% in March 2023. This margin is competitive compared to industry averages, suggesting effective cost management despite rising operational expenses, which reached ₹403 Cr in March 2025, up from ₹209 Cr in March 2023. The interest coverage ratio (ICR) of 1.56x indicates that the company comfortably meets its interest obligations, although it remains slightly below the ideal threshold of 2.0x. The return on equity (ROE) for March 2025 was 14.1%, reflecting efficient use of shareholder funds. Overall, while MAS Financial demonstrates strong profitability, attention to rising expenses and maintaining healthy margins will be crucial as it scales operations.
Balance Sheet Strength and Financial Ratios
As of March 2025, MAS Financial Services Ltd reported total assets of ₹12,199 Cr, a substantial increase from ₹8,015 Cr in March 2023, showcasing robust growth in its asset base. The reserves have also seen significant growth, standing at ₹2,630 Cr, indicating a strong capital position. The company’s total debt to equity ratio at 3.51x suggests a highly leveraged structure, which may raise concerns regarding financial stability, particularly in a rising interest rate environment. The book value per share, which stood at ₹143.78 for March 2025, provides a solid foundation for investor confidence. Moreover, the enterprise value (EV) of ₹12,517.61 Cr reflects the market’s valuation of the company’s operational capabilities. However, the high debt levels could pose risks if market conditions change. Overall, while MAS Financial’s balance sheet reflects growth and potential, the leverage ratio necessitates careful monitoring to mitigate financial risk.
Shareholding Pattern and Investor Confidence
The shareholding pattern of MAS Financial Services Ltd reveals a significant promoter holding of 66.63% as of March 2025, indicating strong management control and confidence in the company’s future. Foreign Institutional Investors (FIIs) held 3.18% of the shares, while Domestic Institutional Investors (DIIs) accounted for 20.15%. This diverse ownership structure suggests a balanced investor sentiment, with institutional investors showing increasing interest compared to the previous periods. Notably, the number of shareholders grew to 43,237 by March 2025, up from 24,767 in March 2023, reflecting heightened retail interest. Moreover, the dividend payout ratio for March 2025 was 10%, signaling a commitment to returning value to shareholders, albeit lower than previous years. This consistent shareholder engagement, combined with a stable promoter stake, fosters a positive outlook for investor confidence in MAS Financial Services Ltd.
Outlook, Risks, and Final Insight
Looking ahead, MAS Financial Services Ltd is poised for continued growth driven by its expanding revenue base and effective financial management. However, rising operational expenses and the high debt-to-equity ratio present potential risks that could impact profitability and financial stability. The company must navigate interest rate fluctuations that could affect its borrowing costs and overall profitability. Additionally, maintaining a strong net profit margin amidst increasing competition in the finance sector will be crucial. On the upside, MAS Financial’s strong market position and increasing shareholder base provide a solid foundation for future growth. Overall, while the outlook remains positive, the company needs to address its leverage and cost management strategies to sustain its growth trajectory effectively.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of MAS Financial Services Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Monarch Networth Capital Ltd | 2,431 Cr. | 306 | 484/280 | 15.6 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 35.2 Cr. | 0.50 | 2.42/0.46 | 4.87 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 4.14 Cr. | 8.37 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 24.9 Cr. | 48.6 | 72.0/47.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Naperol Investments Ltd | 486 Cr. | 845 | 1,469/772 | 50.5 | 2,055 | 1.06 % | 1.06 % | 0.95 % | 10.0 |
| Industry Average | 7,095.06 Cr | 1,426.88 | 75.72 | 3,872.10 | 0.35% | 21.83% | 14.30% | 7.26 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 205 | 241 | 261 | 278 | 293 | 310 | 335 | 347 | 364 | 384 | 410 | 438 | 466 |
| Interest | 97 | 116 | 133 | 150 | 150 | 154 | 172 | 171 | 181 | 185 | 195 | 202 | 217 |
| Expenses | 45 | 56 | 59 | 57 | 66 | 76 | 76 | 83 | 86 | 95 | 106 | 124 | 132 |
| Financing Profit | 62 | 69 | 69 | 72 | 77 | 81 | 86 | 93 | 97 | 104 | 109 | 113 | 117 |
| Financing Margin % | 30% | 29% | 27% | 26% | 26% | 26% | 26% | 27% | 27% | 27% | 27% | 26% | 25% |
| Other Income | 0 | 0 | 1 | 1 | 0 | 3 | 2 | 1 | 1 | 1 | 1 | 1 | 1 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 62 | 68 | 69 | 72 | 77 | 83 | 87 | 94 | 97 | 104 | 108 | 112 | 116 |
| Tax % | 26% | 25% | 25% | 21% | 25% | 25% | 26% | 25% | 25% | 25% | 26% | 26% | 25% |
| Net Profit | 46 | 51 | 52 | 57 | 58 | 62 | 64 | 70 | 73 | 78 | 80 | 83 | 87 |
| EPS in Rs | 2.77 | 3.06 | 3.13 | 3.43 | 3.47 | 3.73 | 3.88 | 4.23 | 3.95 | 4.23 | 4.38 | 4.54 | 4.71 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: August 1, 2025, 5:20 pm
Below is a detailed analysis of the quarterly data for MAS Financial Services Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 217.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 202.00 Cr. (Mar 2025) to 217.00 Cr., marking an increase of 15.00 Cr..
- For Expenses, as of Jun 2025, the value is 132.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 124.00 Cr. (Mar 2025) to 132.00 Cr., marking an increase of 8.00 Cr..
- For Other Income, as of Jun 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
- For Depreciation, as of Jun 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 116.00 Cr.. The value appears strong and on an upward trend. It has increased from 112.00 Cr. (Mar 2025) to 116.00 Cr., marking an increase of 4.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Mar 2025) to 25.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 87.00 Cr.. The value appears strong and on an upward trend. It has increased from 83.00 Cr. (Mar 2025) to 87.00 Cr., marking an increase of 4.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 4.71. The value appears strong and on an upward trend. It has increased from 4.54 (Mar 2025) to 4.71, marking an increase of 0.17.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 4:53 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: November 9, 2025, 2:29 pm
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | 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 |
|---|---|---|---|---|---|---|
| Axis ELSS Tax Saver Fund | 1,454,666 | 0.37 | 122.71 | 1,454,666 | 2025-04-22 17:25:26 | 0% |
| Axis Small Cap Fund | 1,216,254 | 0.57 | 102.6 | 1,216,254 | 2025-04-22 17:25:26 | 0% |
| Bandhan Sterling Value Fund | 755,000 | 0.99 | 66.2 | 755,000 | 2025-04-22 17:25:26 | 0% |
| Bandhan ELSS Tax Saver Fund | 660,000 | 1.15 | 57.87 | 660,000 | 2025-04-22 17:25:26 | 0% |
| Bandhan Small Cap Fund | 189,436 | 0.75 | 16.61 | 189,436 | 2025-04-22 17:25:26 | 0% |
| Bandhan Core Equity Fund | 110,322 | 0.33 | 9.67 | 110,322 | 2025-04-22 17:25:26 | 0% |
| LIC MF Banking & Financial Services Fund | 70,190 | 2.03 | 5.92 | 70,190 | 2025-04-22 17:25:26 | 0% |
| Motilal Oswal Nifty Microcap 250 Index Fund | 15,730 | 0.23 | 1.33 | 15,730 | 2025-04-22 17:25:26 | 0% |
| Groww Nifty Total Market Index Fund | 40 | 0.01 | 0 | 40 | 2025-04-22 17:25:27 | 0% |
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
Unable to fetch valid data for stock valuation.Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in 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: 21.83%)
- 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: 14.3%)
- 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 (Industry average Stock P/E: 75.72)
- 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 | greivance@mas.co.in http://www.mas.co.in |
| 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 23 November 2025) is 298.83 which is 5.73% lower the current market price of 317.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 5,755 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 5,755 Cr..
What is the current Stock Price of MAS Financial Services Ltd as on 23 November 2025?
The current stock price of MAS Financial Services Ltd as on 23 November 2025 is 317.
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 17.0.
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 0.54 %.
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.