WEBSITE BSE:532720 NSE: M&M FINANSER Inc. Year: 1991 Industry: Finance - NBFC
Last updated: 15:59
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 househ...Read More
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. ...Read Less
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Market Cap ₹48413 Cr.
Stock P/E 21.4
P/B 2
Current Price ₹348.3
Book Value ₹ 178.1
Face Value 2
52W High ₹387
Dividend Yield 1.81%
52W Low ₹ 235.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
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| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 3583 | 3833 | 4100 | 4280 | 4316 | 4465 | 4797 | 4886 | 4991 | 5026 |
| Other Income | 54 | 30 | 37 | 53 | 39 | 14 | 3 | 11 | 23 | 23 |
| Total Income | 3637 | 3863 | 4137 | 4333 | 4355 | 4479 | 4799 | 4897 | 5013 | 5049 |
| Total Expenditure | 1504 | 1724 | 1456 | 1520 | 1676 | 1830 | 1325 | 2001 | 1964 | 2015 |
| Operating Profit | 2133 | 2140 | 2681 | 2813 | 2679 | 2650 | 3474 | 2896 | 3049 | 3035 |
| Interest Expense | 1597 | 1703 | 1798 | 1861 | 1960 | 2062 | 2175 | 2218 | 2280 | 2198 |
| Depreciation | 66 | 67 | 69 | 72 | 76 | 79 | 82 | 85 | 86 | 94 |
| Profit Before Tax | 469 | 369 | 814 | 880 | 642 | 509 | 1217 | 594 | 683 | 743 |
| Provision for Tax | 121 | 96 | 203 | 225 | 164 | 133 | 315 | 153 | 175 | 193 |
| Profit After Tax | 348 | 273 | 610 | 655 | 478 | 376 | 902 | 440 | 509 | 551 |
| Adjustments | 10 | 8 | 12 | 15 | 20 | 14 | 16 | 17 | 19 | 14 |
| Profit After Adjustments | 359 | 281 | 623 | 670 | 498 | 389 | 918 | 457 | 528 | 564 |
| Adjusted Earnings Per Share | 2.8 | 2.2 | 4.9 | 5.3 | 3.9 | 3.1 | 7.2 | 3.6 | 3.8 | 4.1 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 6021 | 6554 | 7146 | 7884 | 10372 | 11885 | 12111 | 11318 | 12700 | 15797 | 18463 | 19700 |
| Other Income | 40 | 44 | 54 | 402 | 1145 | 117 | 60 | 169 | 1557 | 182 | 175 | 60 |
| Total Income | 6061 | 6597 | 7201 | 8286 | 11517 | 12002 | 12171 | 11486 | 14257 | 15979 | 18638 | 19758 |
| Total Expenditure | 1973 | 2459 | 3123 | 2921 | 4215 | 4908 | 6047 | 5433 | 6120 | 6212 | 6832 | 7305 |
| Operating Profit | 4088 | 4138 | 4078 | 5366 | 7302 | 7094 | 6124 | 6053 | 8137 | 9766 | 11806 | 12454 |
| Interest Expense | 2643 | 2868 | 3186 | 3436 | 4432 | 5391 | 5308 | 4417 | 5094 | 6959 | 8523 | 8871 |
| Depreciation | 46 | 46 | 54 | 55 | 76 | 147 | 151 | 152 | 226 | 275 | 321 | 347 |
| Profit Before Tax | 1400 | 1224 | 838 | 1905 | 2841 | 1602 | 934 | 1549 | 2804 | 2588 | 3027 | 3237 |
| Provision for Tax | 475 | 437 | 308 | 689 | 973 | 516 | 154 | 399 | 733 | 645 | 766 | 836 |
| Profit After Tax | 925 | 787 | 530 | 1216 | 1867 | 1086 | 780 | 1150 | 2071 | 1943 | 2261 | 2402 |
| Adjustments | -12 | -15 | -18 | -31 | -40 | -11 | -7 | -13 | 1 | -10 | 1 | 66 |
| Profit After Adjustments | 913 | 772 | 512 | 1185 | 1827 | 1075 | 773 | 1137 | 2072 | 1933 | 2262 | 2467 |
| Adjusted Earnings Per Share | 9.6 | 8.1 | 5.4 | 11.4 | 17.6 | 10.4 | 6.1 | 9 | 16.3 | 15.2 | 17.8 | 18.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 17% | 18% | 9% | 12% |
| Operating Profit CAGR | 21% | 25% | 11% | 11% |
| PAT CAGR | 16% | 25% | 16% | 9% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 29% | 14% | 15% | 9% |
| ROE Average | 11% | 11% | 9% | 11% |
| ROCE Average | 9% | 9% | 8% | 10% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 5943 | 6469 | 6960 | 9855 | 11269 | 11969 | 15776 | 16896 | 18560 | 19933 | 21529 |
| Minority's Interest | 49 | 68 | 100 | 145 | 79 | 90 | 99 | 141 | 141 | 42 | 44 |
| Borrowings | 16865 | 20341 | 24911 | 40120 | 54421 | 65182 | 63625 | 61187 | 76390 | 65541 | 77118 |
| Current Liability | 15121 | 17204 | 20203 | 8473 | 8616 | 4365 | 5883 | 5350 | 9769 | 37080 | 44849 |
| Other Liabilities & Provisions | 234 | 325 | 292 | -582 | -258 | -393 | -727 | -717 | -522 | 319 | -263 |
| Total Liabilities | 38212 | 44408 | 52466 | 58012 | 74126 | 81214 | 84656 | 82857 | 104339 | 122914 | 143277 |
| Loans | 19775 | 22723 | 27891 | 1360 | 1881 | 1864 | 1015 | 1196 | 3481 | 106344 | 123514 |
| Investments | 560 | 652 | 798 | 1966 | 2517 | 1918 | 12100 | 8628 | 10037 | 7737 | 7629 |
| Fixed Assets | 119 | 129 | 133 | 147 | 201 | 455 | 399 | 515 | 871 | 1008 | 1207 |
| Other Loans | 55 | 173 | 212 | 257 | 373 | 37 | 51 | 154 | 236 | 733 | 736 |
| Other Non Current Assets | 291 | 103 | 149 | 19 | 123 | 493 | 324 | 179 | 1401 | 204 | 293 |
| Current Assets | 17412 | 20628 | 23283 | 54262 | 69031 | 76447 | 70767 | 72185 | 88313 | 6888 | 9898 |
| Total Assets | 38212 | 44408 | 52466 | 58012 | 74126 | 81214 | 84656 | 82857 | 104339 | 122914 | 143277 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 234 | 202 | 236 | 432 | 339 | 537 | 783 | 809 | 765 | 587 | 904 |
| Cash Flow from Operating Activities | -3970 | -4957 | -6467 | -8510 | -12078 | -3115 | 5826 | 18 | -17395 | -18449 | -15602 |
| Cash Flow from Investing Activities | 34 | -440 | -97 | 243 | -1213 | -2689 | -8348 | 3111 | -1635 | 2670 | -1077 |
| Cash Flow from Financing Activities | 3907 | 5431 | 6766 | 8174 | 13490 | 6050 | 2548 | -3173 | 18852 | 16095 | 17605 |
| Net Cash Inflow / Outflow | -29 | 34 | 202 | -93 | 199 | 245 | 26 | -44 | -179 | 317 | 927 |
| Closing Cash & Cash Equivalent | 205 | 236 | 437 | 339 | 537 | 783 | 809 | 765 | 587 | 904 | 1830 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 9.6 | 8.12 | 5.37 | 11.44 | 17.63 | 10.37 | 6.11 | 8.97 | 16.35 | 15.23 | 17.82 |
| CEPS(Rs) | 10.21 | 8.75 | 6.13 | 12.28 | 18.75 | 11.89 | 7.35 | 10.28 | 18.12 | 17.48 | 20.34 |
| DPS(Rs) | 2.37 | 2.37 | 1.42 | 2.37 | 3.85 | 0 | 0.78 | 3.5 | 5.83 | 6.12 | 6.31 |
| Book NAV/Share(Rs) | 62.33 | 67.73 | 72.82 | 94.94 | 108.38 | 114.88 | 124.2 | 132.99 | 146.07 | 150.7 | 163.21 |
| Net Profit Margin | 15.36 | 12.01 | 7.41 | 15.43 | 18 | 9.14 | 6.44 | 10.16 | 16.31 | 12.3 | 12.25 |
| Operating Margin | 67.14 | 62.44 | 56.31 | 67.75 | 70.12 | 58.83 | 51.54 | 52.72 | 62.19 | 60.44 | 62.56 |
| PBT Margin | 23.25 | 18.68 | 11.72 | 24.16 | 27.39 | 13.48 | 7.71 | 13.69 | 22.08 | 16.38 | 16.39 |
| ROA(%) | 2.57 | 1.91 | 1.09 | 2.2 | 2.83 | 1.4 | 0.94 | 1.37 | 2.21 | 1.71 | 1.7 |
| ROE(%) | 16.5 | 12.73 | 7.92 | 14.51 | 17.73 | 9.38 | 5.65 | 7.06 | 11.71 | 10.32 | 11.35 |
| ROCE(%) | 12.18 | 10.81 | 9.13 | 10.43 | 11.65 | 9.47 | 7.88 | 7.46 | 8.82 | 8.75 | 8.92 |
| Price/Earnings(x) | 15.68 | 17.73 | 34.78 | 23.94 | 14.16 | 8.44 | 31.69 | 17.26 | 13.8 | 17.8 | 15.45 |
| Price/Book(x) | 2.42 | 2.12 | 2.57 | 2.89 | 2.3 | 0.76 | 1.56 | 1.16 | 1.54 | 1.8 | 1.69 |
| Dividend Yield(%) | 1.58 | 1.65 | 0.76 | 0.87 | 1.54 | 0 | 0.4 | 2.26 | 2.59 | 2.26 | 2.3 |
| EV/Net Sales(x) | 7.15 | 7.19 | 8.09 | 9.24 | 8.07 | 6.16 | 7.07 | 6.8 | 8.34 | 8.14 | 8.03 |
| EV/Core EBITDA(x) | 10.53 | 11.39 | 14.18 | 13.58 | 11.46 | 10.32 | 13.97 | 12.71 | 13.02 | 13.17 | 12.55 |
| Interest Earned Growth(%) | 14.14 | 8.85 | 9.04 | 10.32 | 31.56 | 14.59 | 1.9 | -6.55 | 12.21 | 24.39 | 16.88 |
| Net Profit Growth | -4.14 | -14.86 | -32.73 | 129.62 | 53.52 | -41.85 | -24.97 | 47.43 | 80.05 | -6.19 | 16.36 |
| EPS Growth(%) | -4.45 | -15.47 | -33.8 | 113.01 | 54.08 | -41.21 | -41.09 | 46.91 | 82.2 | -6.8 | 16.98 |
| Interest Coverage(x) % | 1.53 | 1.43 | 1.26 | 1.55 | 1.64 | 1.3 | 1.18 | 1.35 | 1.55 | 1.37 | 1.36 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 52.16 | 52.16 | 52.16 | 52.16 | 52.16 | 52.16 | 52.16 | 52.16 | 52.49 | 52.49 |
| FII | 13.92 | 14.09 | 12.73 | 11.96 | 10.09 | 10.19 | 10.48 | 10.68 | 9.34 | 9.59 |
| DII | 26.95 | 25.84 | 26.96 | 28.61 | 30.67 | 31.57 | 31.16 | 31.31 | 32.33 | 32.29 |
| Public | 6.98 | 7.91 | 8.16 | 7.27 | 7.09 | 6.08 | 6.2 | 5.86 | 5.84 | 5.63 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 64.44 | 64.44 | 64.44 | 64.44 | 64.44 | 64.44 | 64.44 | 64.44 | 72.96 | 72.96 |
| FII | 17.2 | 17.41 | 15.72 | 14.77 | 12.46 | 12.59 | 12.95 | 13.19 | 12.98 | 13.34 |
| DII | 33.29 | 31.92 | 33.31 | 35.35 | 37.89 | 39.01 | 38.5 | 38.68 | 44.94 | 44.88 |
| Public | 8.62 | 9.78 | 10.08 | 8.99 | 8.76 | 7.52 | 7.66 | 7.24 | 8.11 | 7.82 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 123.55 | 123.55 | 123.55 | 123.55 | 123.55 | 123.55 | 123.55 | 123.55 | 139 | 139 |
* The pros and cons are machine generated.
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