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Mah & Mah Finl. Serv

₹279.5 1.5 | 0.5%

Market Cap ₹34533 Cr.

Stock P/E 17.8

P/B 1.7

Current Price ₹279.5

Book Value ₹ 162.4

Face Value 2

52W High ₹342.9

Dividend Yield 2.25%

52W Low ₹ 246.3

Mah & Mah Finl. Serv Research see more...

Overview Inc. Year: 1991Industry: Finance - NBFC

Mahindra & Mahindra Financial Services Ltd is a non-banking financing company (NBFC). The Company serves the financing needs of population residing in rural and semi-urban regions of India. The Company affords a variety of retail services and products, such as financing vehicles for business and private use, tractors, small and medium organization (SME) loans, and various other economic merchandise. Through its housing finance subsidiary, Mahindra Rural Housing Finance Ltd (MHRFL), the Company is enabling numerous low and middle earnings households to construct their own home. The Company also provides mutual fund distribution, constant deposit schemes and personal loans. The Company's subsidiary, Mahindra Insurance Brokers Ltd, is within the business of distributing life and non-life insurance products thru tie-ups with numerous coverage corporations.

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Mah & Mah Finl. Serv Share Price

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Quarterly Price

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Mah & Mah Finl. Serv Quarterly Results

#(Fig in Cr.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 2902 3011 3324 3463 3583 3833 4100 4280 4316 4465
Other Income 12 18 29 74 54 30 37 53 39 14
Total Income 2914 3029 3353 3536 3637 3863 4137 4333 4355 4479
Total Expenditure 1512 1071 1041 1073 1504 1724 1456 1520 1676 1830
Operating Profit 1402 1958 2312 2464 2133 2140 2681 2813 2679 2650
Interest Expense 1052 1192 1373 1477 1597 1703 1798 1861 1960 2062
Depreciation 43 55 63 65 66 67 69 72 76 79
Profit Before Tax 307 656 876 921 469 369 814 880 642 509
Provision for Tax 79 176 219 259 121 96 203 225 164 133
Profit After Tax 228 480 657 663 348 273 610 655 478 376
Adjustments 11 10 4 19 10 8 12 15 20 14
Profit After Adjustments 239 490 661 681 359 281 623 670 498 389
Adjusted Earnings Per Share 1.9 4 5.4 5.5 2.9 2.3 5 5.4 4 3.2

Mah & Mah Finl. Serv Profit & Loss

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Operating Revenue 5275 6021 6554 7146 7884 10372 11885 12111 11318 12700 15797 17161
Other Income 25 40 44 54 402 1145 117 60 169 1557 182 143
Total Income 5301 6061 6597 7201 8286 11517 12002 12171 11486 14257 15979 17304
Total Expenditure 1532 1973 2459 3123 2921 4215 4908 6047 5433 6120 6212 6482
Operating Profit 3769 4088 4138 4078 5366 7302 7094 6124 6053 8137 9766 10823
Interest Expense 2281 2643 2868 3186 3436 4432 5391 5308 4417 5094 6959 7681
Depreciation 26 46 46 54 55 76 147 151 152 226 275 296
Profit Before Tax 1462 1400 1224 838 1905 2841 1602 934 1549 2804 2588 2845
Provision for Tax 497 475 437 308 689 973 516 154 399 733 645 725
Profit After Tax 965 925 787 530 1216 1867 1086 780 1150 2071 1943 2119
Adjustments -10 -12 -15 -18 -31 -40 -11 -7 -13 1 -10 61
Profit After Adjustments 954 913 772 512 1185 1827 1075 773 1137 2072 1933 2180
Adjusted Earnings Per Share 10.3 9.9 8.3 5.5 11.8 18.1 10.7 6.3 9.2 16.8 15.7 17.6

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 24% 9% 9% 12%
Operating Profit CAGR 20% 17% 6% 10%
PAT CAGR -6% 36% 1% 7%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 3% 19% 6% 4%
ROE Average 10% 10% 9% 12%
ROCE Average 9% 8% 8% 10%

Mah & Mah Finl. Serv Balance Sheet

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Shareholder's Funds 5294 5943 6469 6960 9855 11269 11969 15776 16896 18560 19933
Minority's Interest 36 49 68 100 145 79 90 99 141 141 42
Borrowings 18254 16865 20341 24911 40120 54421 65182 63625 61187 76390 92951
Current Liability 9863 15121 17204 20203 8473 8616 4365 5883 5350 9769 10632
Other Liabilities & Provisions 285 234 325 292 -582 -258 -393 -727 -717 -522 -644
Total Liabilities 33732 38212 44408 52466 58012 74126 81214 84656 82857 104339 122914
Loans 17600 19775 22723 27891 1360 1881 1864 1015 1196 3481 3758
Investments 379 560 652 798 1966 2517 1918 12100 8628 10037 9448
Fixed Assets 128 119 129 133 147 201 455 399 515 871 1008
Other Loans 49 55 173 212 257 373 37 51 154 236 106
Other Non Current Assets 218 291 103 149 19 123 493 324 179 1401 692
Current Assets 15358 17412 20628 23283 54262 69031 76447 70767 72185 88313 107902
Total Assets 33732 38212 44408 52466 58012 74126 81214 84656 82857 104339 122914

Mah & Mah Finl. Serv Cash Flow

#(Fig in Cr.) Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Opening Cash & Cash Equivalents 254 234 202 236 432 339 537 783 809 765 587
Cash Flow from Operating Activities -6448 -3970 -4957 -6467 -8510 -12078 -3115 5826 18 -17395 -18449
Cash Flow from Investing Activities -470 34 -440 -97 243 -1213 -2689 -8348 3111 -1635 2670
Cash Flow from Financing Activities 6898 3907 5431 6766 8174 13490 6050 2548 -3173 18852 16095
Net Cash Inflow / Outflow -20 -29 34 202 -93 199 245 26 -44 -179 317
Closing Cash & Cash Equivalent 234 205 236 437 339 537 783 809 765 587 904

Mah & Mah Finl. Serv Ratios

# Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Earnings Per Share (Rs) 10.33 9.87 8.34 5.52 11.76 18.12 10.65 6.28 9.22 16.8 15.66
CEPS(Rs) 10.72 10.49 9 6.3 12.62 19.27 12.22 7.56 10.56 18.62 17.97
DPS(Rs) 2.32 2.44 2.44 1.46 2.44 3.96 0 0.8 3.6 6 6.3
Book NAV/Share(Rs) 57.19 64.06 69.61 74.85 97.58 111.4 118.08 127.65 136.69 150.13 161.23
Net Profit Margin 18.29 15.36 12.01 7.41 15.43 18 9.14 6.44 10.16 16.31 12.3
Operating Margin 70.94 67.14 62.44 56.31 67.75 70.12 58.83 51.54 52.72 62.19 60.44
PBT Margin 27.71 23.25 18.68 11.72 24.16 27.39 13.48 7.71 13.69 22.08 16.38
ROA(%) 3.19 2.57 1.91 1.09 2.2 2.83 1.4 0.94 1.37 2.21 1.71
ROE(%) 19.58 16.5 12.73 7.92 14.51 17.73 9.38 5.65 7.06 11.71 10.11
ROCE(%) 13.39 12.18 10.81 9.13 10.43 11.65 9.47 7.88 7.46 8.82 8.75
Price/Earnings(x) 14.87 15.68 17.73 34.78 23.94 14.16 8.44 31.69 17.26 13.8 17.8
Price/Book(x) 2.69 2.42 2.12 2.57 2.89 2.3 0.76 1.56 1.16 1.54 1.73
Dividend Yield(%) 1.51 1.58 1.65 0.76 0.87 1.54 0 0.4 2.26 2.59 2.26
EV/Net Sales(x) 7.49 7.15 7.19 8.09 9.24 8.07 6.16 7.07 6.8 8.34 8.18
EV/Core EBITDA(x) 10.49 10.53 11.39 14.18 13.58 11.46 10.32 13.97 12.71 13.02 13.24
Interest Earned Growth(%) 28.82 14.14 8.85 9.04 10.32 31.56 14.59 1.9 -6.55 12.21 24.39
Net Profit Growth 3.86 -4.14 -14.86 -32.73 129.62 53.52 -41.85 -24.97 47.43 80.05 -6.19
EPS Growth(%) 2.86 -4.45 -15.47 -33.8 113.01 54.08 -41.21 -41.09 46.91 82.2 -6.8
Interest Coverage(x) % 1.64 1.53 1.43 1.26 1.55 1.64 1.3 1.18 1.35 1.55 1.37

Mah & Mah Finl. Serv Shareholding Pattern

# Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Promoter 52.16 52.16 52.16 52.16 52.16 52.16 52.16 52.16 52.16 52.16
FII 17.55 16.93 16.09 14.85 13.92 14.09 12.73 11.96 10.09 10.19
DII 17.95 22.12 23.76 25.18 26.95 25.84 26.96 28.61 30.67 31.57
Public 12.34 8.8 8 7.82 6.98 7.91 8.16 7.27 7.09 6.08
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Company has a low return on equity of 10% over the last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Mah & Mah Finl. Serv News

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