Share Price and Basic Stock Data
Last Updated: December 25, 2025, 2:58 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 reported a revenue of ₹980 Cr for the fiscal year ending March 2023, marking a significant increase from ₹690 Cr in the previous year. This upward momentum continued with revenues projected to rise to ₹1,597 Cr by March 2025, reflecting a healthy compound annual growth rate (CAGR). The quarterly revenue figures also illustrated consistent growth, with ₹205 Cr in June 2022 escalating to ₹310 Cr by September 2023. The company’s revenue trajectory indicates robust demand for financial services amid a growing economy. The revenue per share stood at ₹87.96 in March 2025, showcasing an improvement from ₹78.00 in March 2024. This growth can be attributed to the company’s strategic focus on expanding its lending portfolio and enhancing its operational efficiency. Overall, MAS Financial Services Ltd’s revenue trends suggest a strong positioning within the finance and investments sector, with a solid foundation for continued growth.
Profitability and Efficiency Metrics
The profitability of MAS Financial Services is highlighted by its net profit of ₹342 Cr for the trailing twelve months (TTM), up from ₹206 Cr in the previous year. The net profit margin stood at 19.67% for March 2025, indicating effective cost management and operational efficiency. The company reported a return on equity (ROE) of 14.1% and a return on capital employed (ROCE) of 11.3%, both of which are competitive within the finance sector. Additionally, the interest coverage ratio (ICR) was recorded at 1.56x, suggesting that the company generates sufficient earnings to cover its interest obligations. While the financing profit margin remained consistent at around 26%, the net profit per share increased to ₹17.30 in March 2025, up from ₹15.49 in March 2024. These metrics demonstrate a resilient business model with a strong emphasis on profitability, providing stakeholders with confidence in the company’s financial health.
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 ₹9,547 Cr in March 2024. The company’s reserves also saw a remarkable rise, reaching ₹2,630 Cr, showcasing its capability to reinvest in growth opportunities. The debt-to-equity ratio stood at 3.51x, reflecting a reliance on leverage to fuel expansion, a common practice in the financial sector. However, the long-term debt-to-equity ratio remained at 0.00, indicating that the company has not engaged in long-term borrowing, which can be perceived as a risk mitigation strategy. The price-to-book value (P/BV) ratio was reported at 1.71x, suggesting that the stock is valued reasonably compared to its book value. Overall, the balance sheet strength, characterized by increasing reserves and substantial asset growth, positions MAS Financial Services favorably against its peers.
Shareholding Pattern and Investor Confidence
The shareholding pattern of MAS Financial Services Ltd indicates a strong promoter holding of 66.63%, which has remained stable since June 2024. Institutional investors also have a notable presence, with domestic institutional investors (DIIs) holding 20.15% and foreign institutional investors (FIIs) at 3.18%. The increase in DII participation from 14.42% in March 2024 to 20.15% by March 2025 reflects growing institutional confidence in the company’s prospects. The number of shareholders rose to 43,237 in September 2025, indicating increased retail interest. This diverse ownership structure enhances corporate governance and reduces volatility, as it attracts a wider range of investors. The stability in promoter holdings and the growing institutional interest suggest that MAS Financial Services is viewed positively by investors, which bodes well for future capital raising efforts and shareholder value appreciation.
Outlook, Risks, and Final Insight
The outlook for MAS Financial Services Ltd appears promising, with projected revenue growth and increasing profitability metrics. However, potential risks include the high debt-to-equity ratio, which may expose the company to interest rate fluctuations and credit risk. Additionally, economic uncertainties could impact the demand for financial services, posing challenges to growth. On the other hand, the company’s strong capital base and increasing institutional interest provide a buffer against potential downturns. If MAS Financial Services continues to manage its growth effectively while maintaining operational efficiency, it can capitalize on the expanding financial services market. Conversely, failure to navigate economic headwinds or manage leverage could hinder its growth trajectory. Overall, the company is positioned well for future success, provided it addresses its financial risks prudently.
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 | 12.2 Cr. | 41.8 | 67.7/36.4 | 49.0 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,435 Cr. | 307 | 484/280 | 15.7 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 29.5 Cr. | 0.42 | 1.92/0.38 | 4.09 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.35 Cr. | 10.8 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 20.8 Cr. | 40.6 | 72.0/40.6 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,422.29 Cr | 1,386.34 | 80.91 | 3,844.37 | 0.35% | 21.71% | 14.20% | 7.22 |
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: 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: 80.91)
- 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 24 December 2025) 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 5,827 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 5,827 Cr..
What is the current Stock Price of MAS Financial Services Ltd as on 24 December 2025?
The current stock price of MAS Financial Services Ltd as on 24 December 2025 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.