Share Price and Basic Stock Data
Last Updated: December 12, 2025, 2:34 am
| PEG Ratio | 1.33 |
|---|
Last Updated on: 12 December, 2025
MAS Financial Services Ltd: Intrinsic Value & Share Price Analysis
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
MAS Financial Services Ltd has carved a niche for itself in the finance and investments sector, with a reported market capitalization of ₹5,644 Cr and a share price of ₹311. The company has shown commendable revenue growth over the past few years, with total revenue increasing from ₹690 Cr in FY 2022 to ₹980 Cr in FY 2023, and projected to rise to ₹1,289 Cr in FY 2024. This consistent upward trajectory reflects a robust demand for financial services in the Indian market, particularly in the wake of post-pandemic recovery. The latest quarterly figures also reinforce this trend; revenue for Q2 FY 2025 stood at ₹310 Cr, marking a healthy rise from ₹278 Cr in Q1 FY 2023. Such growth is promising, indicating that MAS is effectively capitalizing on market opportunities and fulfilling customer needs. However, the competitive landscape remains intense, and maintaining this growth will require strategic agility and innovation.
Profitability and Efficiency Metrics
When it comes to profitability, MAS Financial Services appears to be on solid ground. The company reported a net profit of ₹328 Cr for the trailing twelve months, which translates to a net profit margin of approximately 19.67%. This is a slight decline from previous years, yet it still highlights the firm’s ability to manage costs effectively while growing revenues. The return on equity (ROE) stood at 14.1%, indicating that the company is utilizing shareholder equity efficiently to generate profits. Additionally, the interest coverage ratio of 1.56x suggests that MAS is comfortably managing its interest obligations. However, a slight dip in financing margins—from 27% in FY 2024 to a projected 26% in FY 2025—signals potential challenges in maintaining profitability amidst rising competition and operational costs. Investors should closely monitor these metrics as they reflect the company’s ability to sustain profitability in a dynamic market.
Balance Sheet Strength and Financial Ratios
The balance sheet of MAS Financial Services showcases a commendable level of strength, with reserves reported at ₹2,630 Cr, providing a cushion against market volatility. The company’s total liabilities stood at ₹12,199 Cr, primarily driven by a significant increase in borrowings, which reached ₹9,156 Cr. While the total debt-to-equity ratio is relatively high at 3.51x, the company has effectively managed to keep its long-term debt at zero, indicating a prudent approach to financing. The book value per share has also seen a notable increase, recorded at ₹143.78 for FY 2025. These figures suggest that MAS is maintaining a balanced approach to leveraging while ensuring that equity remains robust. However, the high leverage could pose risks if interest rates rise significantly or if the economic environment deteriorates, potentially impacting the company’s ability to service its debt.
Shareholding Pattern and Investor Confidence
The shareholding pattern of MAS Financial Services reveals a stable structure, with promoters holding a significant 66.63% stake. This level of promoter commitment is often viewed positively by investors, as it indicates alignment of interests between management and shareholders. Institutional investors, including foreign institutional investors (FIIs) and domestic institutional investors (DIIs), hold approximately 23.33% collectively, reflecting a healthy institutional interest in the company. Notably, the DII stake has seen an increase from 10.58% in Q2 FY 2023 to 20.15% by Q2 FY 2025, which could signal growing confidence in the company’s future prospects. However, the public shareholding has declined slightly, suggesting that retail investor sentiment may be more cautious. This mix of institutional backing and retail hesitance presents a nuanced picture of investor confidence, indicating that while institutional investors see potential, retail investors might be waiting for more concrete evidence of sustained growth.
Outlook, Risks, and Final Insight
Looking ahead, MAS Financial Services faces both opportunities and challenges that could shape its future trajectory. The strong revenue growth and solid profitability metrics suggest a favorable outlook, particularly in a growing economy where demand for financial services is expected to rise. However, risks include potential increases in borrowing costs, which could squeeze margins, and the competitive landscape that could pressure pricing strategies. Additionally, the company’s reliance on debt financing raises concerns about its vulnerability to interest rate fluctuations and economic downturns. For investors, this means weighing the promising growth metrics against the inherent risks of high leverage and market competition. As such, MAS Financial Services appears to be a compelling prospect, but investors should remain vigilant and consider both the strengths and risks inherent in their investment strategy.
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 ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Modern Shares & Stockbrokers Ltd | 12.0 Cr. | 41.0 | 67.7/36.4 | 48.1 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| Monarch Networth Capital Ltd | 2,386 Cr. | 301 | 484/280 | 15.4 | 111 | 0.33 % | 33.3 % | 26.2 % | 10.0 |
| Monotype India Ltd | 33.0 Cr. | 0.47 | 2.22/0.46 | 4.57 | 0.03 | 0.00 % | 286 % | % | 1.00 |
| Multipurpose Trading & Agencies Ltd | 5.20 Cr. | 10.5 | 12.6/8.25 | 9.25 | 0.00 % | 3.68 % | 3.38 % | 10.0 | |
| Munoth Financial Services Ltd | 23.0 Cr. | 44.8 | 72.0/43.7 | 19.9 | 0.00 % | 2.41 % | 3.38 % | 10.0 | |
| Industry Average | 7,223.64 Cr | 1,392.31 | 81.69 | 3,844.37 | 0.36% | 21.70% | 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: October 15, 2025, 4:52 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 | 1,698 |
| Interest | 80 | 113 | 142 | 165 | 187 | 225 | 299 | 286 | 340 | 498 | 650 | 770 | 799 |
| Expenses | 55 | 62 | 82 | 92 | 118 | 138 | 175 | 143 | 132 | 209 | 297 | 403 | 457 |
| Financing Profit | 50 | 63 | 85 | 107 | 171 | 242 | 236 | 198 | 218 | 273 | 342 | 424 | 442 |
| 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 | 440 |
| 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 | 328 |
| 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 | 17.86 |
| 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 - No data available for this post.
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 | 0.62 | 425.78 | N/A | N/A | N/A |
| Bandhan Value Fund | 2,500,000 | 0.74 | 76.36 | N/A | N/A | N/A |
| Bandhan ELSS Tax Saver Fund | 2,000,000 | 0.85 | 61.09 | 660,000 | 2025-12-08 01:21:14 | 203.03% |
| Bandhan Flexi Cap Fund | 1,405,887 | 0.56 | 42.94 | N/A | N/A | N/A |
| Bandhan Multi Cap Fund | 810,000 | 0.87 | 24.74 | N/A | N/A | N/A |
| Aditya Birla Sun Life Banking and Financial Services Fund | 534,890 | 0.45 | 16.34 | N/A | N/A | N/A |
| Aditya Birla Sun Life Bal Bhavishya Yojna | 407,162 | 1.05 | 12.44 | N/A | N/A | N/A |
| LIC MF Banking & Financial Services Fund | 402,877 | 4.32 | 12.31 | 70,190 | 2025-12-08 01:21:14 | 473.98% |
| LIC MF Focused Fund | 291,188 | 5.06 | 8.89 | N/A | N/A | N/A |
| LIC MF Small Cap Fund | 253,350 | 1.2 | 7.74 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 17.48 | 15.31 | 37.18 | 29.14 | 26.41 |
| Diluted EPS (Rs.) | 17.48 | 15.31 | 37.18 | 29.14 | 26.41 |
| Cash EPS (Rs.) | 17.61 | 15.75 | 38.15 | 29.86 | 27.09 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 143.78 | 110.90 | 282.57 | 245.12 | 219.57 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 143.78 | 110.90 | 282.57 | 245.12 | 219.57 |
| Revenue From Operations / Share (Rs.) | 87.96 | 78.00 | 180.72 | 126.26 | 114.70 |
| PBDIT / Share (Rs.) | 65.55 | 60.41 | 140.94 | 101.94 | 88.45 |
| PBIT / Share (Rs.) | 65.24 | 60.15 | 140.44 | 101.56 | 87.98 |
| PBT / Share (Rs.) | 23.20 | 20.71 | 49.70 | 39.60 | 35.85 |
| Net Profit / Share (Rs.) | 17.30 | 15.49 | 37.65 | 29.48 | 26.62 |
| NP After MI And SOA / Share (Rs.) | 17.11 | 15.31 | 37.19 | 29.14 | 26.41 |
| PBDIT Margin (%) | 74.52 | 77.44 | 77.98 | 80.73 | 77.11 |
| PBIT Margin (%) | 74.17 | 77.11 | 77.71 | 80.43 | 76.70 |
| PBT Margin (%) | 26.37 | 26.55 | 27.49 | 31.36 | 31.25 |
| Net Profit Margin (%) | 19.67 | 19.85 | 20.83 | 23.34 | 23.21 |
| NP After MI And SOA Margin (%) | 19.44 | 19.62 | 20.57 | 23.08 | 23.02 |
| Return on Networth / Equity (%) | 11.89 | 14.08 | 13.38 | 12.09 | 12.23 |
| Return on Capital Employeed (%) | 44.20 | 53.60 | 31.47 | 29.16 | 29.18 |
| Return On Assets (%) | 2.54 | 2.62 | 2.53 | 2.52 | 2.65 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.57 | 0.37 | 0.31 |
| Total Debt / Equity (X) | 3.51 | 4.17 | 4.04 | 3.37 | 2.98 |
| Asset Turnover Ratio (%) | 0.14 | 0.14 | 0.13 | 0.11 | 0.11 |
| Current Ratio (X) | 1.26 | 1.22 | 1.42 | 1.41 | 1.41 |
| Quick Ratio (X) | 1.26 | 1.22 | 1.42 | 1.41 | 1.41 |
| Dividend Payout Ratio (NP) (%) | 8.82 | 10.55 | 9.54 | 9.43 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 8.67 | 10.38 | 9.41 | 9.31 | 0.00 |
| Earning Retention Ratio (%) | 91.18 | 89.45 | 90.46 | 90.57 | 0.00 |
| Cash Earning Retention Ratio (%) | 91.33 | 89.62 | 90.59 | 90.69 | 0.00 |
| Interest Coverage Ratio (X) | 1.56 | 1.53 | 1.55 | 1.65 | 1.70 |
| Interest Coverage Ratio (Post Tax) (X) | 1.41 | 1.39 | 1.41 | 1.48 | 1.51 |
| Enterprise Value (Cr.) | 12517.61 | 11246.27 | 9742.34 | 6514.05 | 7182.04 |
| EV / Net Operating Revenue (X) | 7.84 | 8.79 | 9.86 | 9.44 | 11.45 |
| EV / EBITDA (X) | 10.52 | 11.35 | 12.65 | 11.69 | 14.85 |
| MarketCap / Net Operating Revenue (X) | 2.80 | 3.65 | 4.45 | 4.24 | 7.45 |
| Retention Ratios (%) | 91.17 | 89.44 | 90.45 | 90.56 | 0.00 |
| Price / BV (X) | 1.71 | 2.62 | 2.89 | 2.22 | 3.96 |
| Price / Net Operating Revenue (X) | 2.80 | 3.65 | 4.45 | 4.24 | 7.45 |
| EarningsYield | 0.06 | 0.05 | 0.04 | 0.05 | 0.03 |
After reviewing the key financial ratios for MAS Financial Services Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 17.48. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 17.48, marking an increase of 2.17.
- For Diluted EPS (Rs.), as of Mar 25, the value is 17.48. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 17.48, marking an increase of 2.17.
- For Cash EPS (Rs.), as of Mar 25, the value is 17.61. This value is within the healthy range. It has increased from 15.75 (Mar 24) to 17.61, marking an increase of 1.86.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 143.78. It has increased from 110.90 (Mar 24) to 143.78, marking an increase of 32.88.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 143.78. It has increased from 110.90 (Mar 24) to 143.78, marking an increase of 32.88.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 87.96. It has increased from 78.00 (Mar 24) to 87.96, marking an increase of 9.96.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 65.55. This value is within the healthy range. It has increased from 60.41 (Mar 24) to 65.55, marking an increase of 5.14.
- For PBIT / Share (Rs.), as of Mar 25, the value is 65.24. This value is within the healthy range. It has increased from 60.15 (Mar 24) to 65.24, marking an increase of 5.09.
- For PBT / Share (Rs.), as of Mar 25, the value is 23.20. This value is within the healthy range. It has increased from 20.71 (Mar 24) to 23.20, marking an increase of 2.49.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 17.30. This value is within the healthy range. It has increased from 15.49 (Mar 24) to 17.30, marking an increase of 1.81.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 17.11. This value is within the healthy range. It has increased from 15.31 (Mar 24) to 17.11, marking an increase of 1.80.
- For PBDIT Margin (%), as of Mar 25, the value is 74.52. This value is within the healthy range. It has decreased from 77.44 (Mar 24) to 74.52, marking a decrease of 2.92.
- For PBIT Margin (%), as of Mar 25, the value is 74.17. This value exceeds the healthy maximum of 20. It has decreased from 77.11 (Mar 24) to 74.17, marking a decrease of 2.94.
- For PBT Margin (%), as of Mar 25, the value is 26.37. This value is within the healthy range. It has decreased from 26.55 (Mar 24) to 26.37, marking a decrease of 0.18.
- For Net Profit Margin (%), as of Mar 25, the value is 19.67. This value exceeds the healthy maximum of 10. It has decreased from 19.85 (Mar 24) to 19.67, marking a decrease of 0.18.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 19.44. This value is within the healthy range. It has decreased from 19.62 (Mar 24) to 19.44, marking a decrease of 0.18.
- For Return on Networth / Equity (%), as of Mar 25, the value is 11.89. This value is below the healthy minimum of 15. It has decreased from 14.08 (Mar 24) to 11.89, marking a decrease of 2.19.
- For Return on Capital Employeed (%), as of Mar 25, the value is 44.20. This value is within the healthy range. It has decreased from 53.60 (Mar 24) to 44.20, marking a decrease of 9.40.
- For Return On Assets (%), as of Mar 25, the value is 2.54. This value is below the healthy minimum of 5. It has decreased from 2.62 (Mar 24) to 2.54, marking a decrease of 0.08.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.51. This value exceeds the healthy maximum of 1. It has decreased from 4.17 (Mar 24) to 3.51, marking a decrease of 0.66.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. There is no change compared to the previous period (Mar 24) which recorded 0.14.
- For Current Ratio (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 1.5. It has increased from 1.22 (Mar 24) to 1.26, marking an increase of 0.04.
- For Quick Ratio (X), as of Mar 25, the value is 1.26. This value is within the healthy range. It has increased from 1.22 (Mar 24) to 1.26, marking an increase of 0.04.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 8.82. This value is below the healthy minimum of 20. It has decreased from 10.55 (Mar 24) to 8.82, marking a decrease of 1.73.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 8.67. This value is below the healthy minimum of 20. It has decreased from 10.38 (Mar 24) to 8.67, marking a decrease of 1.71.
- For Earning Retention Ratio (%), as of Mar 25, the value is 91.18. This value exceeds the healthy maximum of 70. It has increased from 89.45 (Mar 24) to 91.18, marking an increase of 1.73.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 91.33. This value exceeds the healthy maximum of 70. It has increased from 89.62 (Mar 24) to 91.33, marking an increase of 1.71.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.56. This value is below the healthy minimum of 3. It has increased from 1.53 (Mar 24) to 1.56, marking an increase of 0.03.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.41. This value is below the healthy minimum of 3. It has increased from 1.39 (Mar 24) to 1.41, marking an increase of 0.02.
- For Enterprise Value (Cr.), as of Mar 25, the value is 12,517.61. It has increased from 11,246.27 (Mar 24) to 12,517.61, marking an increase of 1,271.34.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 7.84. This value exceeds the healthy maximum of 3. It has decreased from 8.79 (Mar 24) to 7.84, marking a decrease of 0.95.
- For EV / EBITDA (X), as of Mar 25, the value is 10.52. This value is within the healthy range. It has decreased from 11.35 (Mar 24) to 10.52, marking a decrease of 0.83.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.80. This value is within the healthy range. It has decreased from 3.65 (Mar 24) to 2.80, marking a decrease of 0.85.
- For Retention Ratios (%), as of Mar 25, the value is 91.17. This value exceeds the healthy maximum of 70. It has increased from 89.44 (Mar 24) to 91.17, marking an increase of 1.73.
- For Price / BV (X), as of Mar 25, the value is 1.71. This value is within the healthy range. It has decreased from 2.62 (Mar 24) to 1.71, marking a decrease of 0.91.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.80. This value is within the healthy range. It has decreased from 3.65 (Mar 24) to 2.80, marking a decrease of 0.85.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.06, marking an increase of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
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: 21.7%)
- 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: 81.69)
- 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
Mas Financial Services Ltd. is a Public Limited Listed company incorporated on 25/05/1995 and has its registered office in the State of Gujarat, India. Company's Corporate Identification Number(CIN) is L65910GJ1995PLC026064 and registration number is 026064. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 1517.19 Cr. and Equity Capital is Rs. 181.45 Cr. for the Year ended 31/03/2025.
| 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 12 December 2025) is 302.32 which is 5.53% lower the current market price of 320.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 5,806 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 5,806 Cr..
What is the current Stock Price of MAS Financial Services Ltd as on 12 December 2025?
The current stock price of MAS Financial Services Ltd as on 12 December 2025 is 320.
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.