Mahindra & Mahindra Financial Services Ltd

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Mahindra & Mahindra Financial Services Ltd

₹ 263 0.46%
02 May 10:25 a.m.
mahindrafinance.com BSE: 532720 NSE: M&MFIN
About

Mahindra & Mahindra Financial Services Limited (MMFSL), a part of the Mahindra Group,is a NBFC primarily engaged in the business of financing purchase of new and pre-owned auto and utility vehicles, tractors, cars, commercial vehicles, construction equipment and SME Financing. [1]

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Website BSE NSE
  • Market Cap ₹ 32,465 Cr.
  • Current Price ₹ 263
  • High / Low ₹ 343 / 238
  • Stock P/E 13.8
  • Book Value ₹ 160
  • Dividend Yield 2.36 %
  • ROCE 9.09 %
  • ROE 12.4 %
  • Face Value ₹ 2.00
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Pros

  • Company has delivered good profit growth of 21.0% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 38.6%

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 11.6% over 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.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE 500 BSE Allcap Nifty 500 Nifty 200 BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
2,442 2,486 2,586 2,862 2,994 3,085 3,212 3,454 3,654 3,722 3,897 4,143 4,241
Interest 936 932 1,069 1,242 1,334 1,450 1,566 1,675 1,735 1,829 1,934 2,046 2,090
654 1,230 829 754 726 1,147 1,302 1,023 1,079 1,181 1,431 816 1,327
Financing Profit 852 324 688 866 934 487 344 755 840 712 532 1,281 824
Financing Margin % 35% 13% 27% 30% 31% 16% 11% 22% 23% 19% 14% 31% 19%
24 12 -31 29 63 41 29 37 52 38 28 1 4
Depreciation 42 36 46 52 53 54 56 58 60 64 67 70 73
Profit before tax 834 300 611 843 944 474 316 734 832 686 493 1,213 756
Tax % 28% 26% 27% 25% 28% 26% 26% 25% 26% 25% 25% 26% 25%
601 223 448 629 684 353 235 553 619 513 369 899 563
EPS in Rs 4.86 1.80 3.63 5.09 5.54 2.85 1.90 4.47 5.01 4.15 2.99 7.28 4.56
Gross NPA % 7.66% 8.03% 6.70% 5.93% 4.49% 4.35% 4.29% 3.97% 3.40% 3.56% 3.83% 3.93% 3.70%
Net NPA % 3.36% 3.53% 2.91% 2.52% 1.87% 1.78% 1.71% 1.52% 1.28% 1.46% 1.59% 2.00% 1.80%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
4,949 5,578 5,900 6,234 6,748 8,808 10,244 10,508 9,717 11,053 13,555 16,019
Interest 2,188 2,497 2,639 2,857 3,082 3,945 4,829 4,733 3,920 4,577 6,427 7,898
1,395 1,793 2,187 2,714 1,958 2,423 3,954 5,241 4,315 3,540 4,551 4,756
Financing Profit 1,366 1,289 1,074 663 1,709 2,441 1,461 534 1,482 2,937 2,577 3,365
Financing Margin % 28% 23% 18% 11% 25% 28% 14% 5% 15% 27% 19% 21%
4 6 5 4 2 2 1 15 1 -51 7 56
Depreciation 24 42 41 46 44 60 118 126 127 187 229 273
Profit before tax 1,346 1,254 1,038 620 1,667 2,382 1,344 422 1,357 2,698 2,355 3,147
Tax % 34% 34% 35% 35% 35% 35% 33% 21% 27% 26% 25% 25%
887 832 673 400 1,076 1,557 906 335 989 1,984 1,760 2,345
EPS in Rs 7.80 7.31 5.91 3.52 8.71 12.60 7.34 2.71 8.00 16.06 14.24 18.98
Dividend Payout % 24% 27% 34% 34% 23% 26% 0% 29% 45% 37% 44% 34%
Compounded Sales Growth
10 Years: 11%
5 Years: 9%
3 Years: 18%
TTM: 18%
Compounded Profit Growth
10 Years: 11%
5 Years: 21%
3 Years: 33%
TTM: 34%
Stock Price CAGR
10 Years: 5%
5 Years: 21%
3 Years: 13%
1 Year: -1%
Return on Equity
10 Years: 10%
5 Years: 9%
3 Years: 12%
Last Year: 12%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 113 113 113 113 123 123 123 246 247 247 247 247
Reserves 4,982 5,557 5,975 6,364 9,499 10,785 11,241 14,465 15,381 16,842 17,911 19,565
Borrowing 23,931 26,263 29,452 34,538 40,093 52,847 59,462 58,577 55,814 74,946 92,225 112,873
2,641 3,141 4,039 4,821 3,078 3,323 3,245 3,748 3,847 4,182 4,777 2,862
Total Liabilities 31,666 35,074 39,579 45,837 52,793 67,078 74,071 77,036 75,289 96,217 115,159 135,548
119 110 113 112 120 163 364 330 393 696 826 1,114
CWIP 0 0 0 0 0 0 0 10 0 0 105 1
Investments 869 854 1,483 1,873 2,734 3,792 5,911 11,705 8,440 9,989 9,651 10,400
30,677 34,110 37,983 43,852 49,939 63,123 67,797 64,991 66,456 85,532 104,578 124,033
Total Assets 31,666 35,074 39,579 45,837 52,793 67,078 74,071 77,036 75,289 96,217 115,159 135,548

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-5,917 -2,989 -3,381 -4,907 -7,106 -10,918 -3,151 4,886 -0 -17,485 -18,404 -15,281
-515 -16 -506 -256 211 -1,317 -2,573 -7,252 2,613 -1,321 1,962 -1,011
6,411 2,974 3,915 5,360 6,755 12,465 5,899 2,260 -2,855 18,728 16,503 17,648
Net Cash Flow -22 -31 27 196 -140 230 175 -106 -243 -78 61 1,355

Ratios

Standalone Figures in Rs. Crores / View Consolidated

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 % 19% 15% 11% 6% 13% 15% 8% 3% 7% 12% 10% 12%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
52.16% 52.16% 52.16% 52.16% 52.16% 52.16% 52.16% 52.16% 52.16% 52.16% 52.16% 52.16%
17.55% 16.93% 16.09% 14.85% 13.92% 14.10% 12.72% 11.95% 10.08% 10.19% 10.49% 10.68%
17.95% 22.12% 23.76% 25.18% 26.95% 25.84% 26.96% 28.61% 30.66% 31.58% 31.17% 31.31%
12.13% 8.60% 7.83% 7.68% 6.84% 7.79% 8.06% 7.18% 7.00% 6.01% 6.14% 5.81%
0.21% 0.20% 0.18% 0.16% 0.15% 0.14% 0.10% 0.09% 0.09% 0.07% 0.06% 0.05%
No. of Shareholders 2,17,6772,14,8971,93,5551,86,2651,85,7052,19,5102,39,3722,27,5122,24,2732,11,0512,24,4152,17,620

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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