Mudra Financial Services Ltd
₹ 4.10
4.86%
11 Jul 2023
About
Incorporated in 1994, Mudra Financial Services Ltd is in the business of providing financial services[1]
Key Points
- Market Cap ₹ 2.05 Cr.
- Current Price ₹ 4.10
- High / Low ₹ /
- Stock P/E 7.88
- Book Value ₹ 21.1
- Dividend Yield 0.00 %
- ROCE 3.16 %
- ROE 2.49 %
- Face Value ₹ 10.0
Pros
- Company is almost debt free.
- Stock is trading at 0.19 times its book value
- Promoter holding has increased by 4.98% over last quarter.
- Company's working capital requirements have reduced from 285 days to 54.8 days
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- The company has delivered a poor sales growth of -6.17% over past five years.
- Company has a low return on equity of 2.16% 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
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.51 | 0.62 | 0.80 | 0.65 | 0.78 | 0.65 | 1.10 | 1.60 | 0.78 | 0.60 | 0.94 | 0.80 | |
| 0.28 | 0.33 | 0.51 | 0.28 | 0.37 | 0.42 | 0.47 | 0.32 | 0.34 | 0.42 | 0.55 | 0.65 | |
| Operating Profit | 0.23 | 0.29 | 0.29 | 0.37 | 0.41 | 0.23 | 0.63 | 1.28 | 0.44 | 0.18 | 0.39 | 0.15 |
| OPM % | 45.10% | 46.77% | 36.25% | 56.92% | 52.56% | 35.38% | 57.27% | 80.00% | 56.41% | 30.00% | 41.49% | 18.75% |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.18 | |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 0.23 | 0.29 | 0.29 | 0.37 | 0.41 | 0.23 | 0.63 | 1.28 | 0.44 | 0.18 | 0.39 | 0.33 |
| Tax % | 26.09% | 31.03% | 34.48% | 48.65% | 26.83% | 34.78% | 23.81% | 19.53% | 29.55% | 44.44% | 25.64% | 21.21% |
| 0.17 | 0.20 | 0.20 | 0.19 | 0.31 | 0.15 | 0.48 | 1.03 | 0.31 | 0.10 | 0.30 | 0.26 | |
| EPS in Rs | 0.34 | 0.40 | 0.40 | 0.38 | 0.62 | 0.30 | 0.96 | 2.06 | 0.62 | 0.20 | 0.60 | 0.52 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | -6% |
| 3 Years: | 1% |
| TTM: | -15% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | -12% |
| 3 Years: | -6% |
| TTM: | -13% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | 4% |
| 5 Years: | 4% |
| 3 Years: | 2% |
| Last Year: | 2% |
Balance Sheet
Figures in Rs. Crores
| 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 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 | 5.01 |
| Reserves | 1.76 | 1.96 | 2.16 | 2.34 | 2.65 | 3.09 | 3.57 | 4.60 | 4.90 | 5.00 | 5.30 | 5.56 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| 0.02 | 0.02 | 0.01 | 0.02 | 0.03 | 0.14 | 0.06 | 0.13 | 0.13 | 0.12 | 0.18 | 0.18 | |
| Total Liabilities | 6.79 | 6.99 | 7.18 | 7.37 | 7.69 | 8.24 | 8.64 | 9.74 | 10.04 | 10.13 | 10.49 | 10.75 |
| 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.41 | 0.08 | 0.08 | 0.08 | 0.08 | 0.96 | 1.16 | 1.58 | 1.49 | 1.34 | 1.46 | 0.74 |
| 6.38 | 6.91 | 7.10 | 7.29 | 7.61 | 7.28 | 7.48 | 8.16 | 8.55 | 8.79 | 9.03 | 10.01 | |
| Total Assets | 6.79 | 6.99 | 7.18 | 7.37 | 7.69 | 8.24 | 8.64 | 9.74 | 10.04 | 10.13 | 10.49 | 10.75 |
Cash Flows
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.35 | -0.26 | -0.21 | -0.40 | -0.40 | 0.74 | 0.20 | -0.12 | 0.05 | 0.33 | -0.30 | -0.45 | |
| -0.13 | 0.15 | 0.29 | 0.56 | 0.19 | -0.79 | -0.19 | 0.10 | 0.00 | 0.00 | 0.00 | 0.83 | |
| 0.18 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Cash Flow | -0.30 | -0.11 | 0.08 | 0.16 | -0.21 | -0.06 | 0.01 | -0.02 | 0.05 | 0.33 | -0.30 | 0.38 |
Ratios
Figures in Rs. Crores
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 9.95 | 6.84 | 4.68 | 6.08 | 3.88 | 4.56 |
| Inventory Days | 758.08 | |||||||||||
| Days Payable | 0.00 | |||||||||||
| Cash Conversion Cycle | 0.00 | 758.08 | 0.00 | 0.00 | 0.00 | 0.00 | 9.95 | 6.84 | 4.68 | 6.08 | 3.88 | 4.56 |
| Working Capital Days | 429.41 | 353.23 | 282.88 | 348.15 | 332.24 | 550.31 | 179.18 | 173.38 | 276.09 | 462.33 | 337.82 | 54.75 |
| ROCE % | 3.49% | 4.22% | 4.10% | 5.10% | 5.46% | 2.92% | 7.55% | 14.07% | 4.51% | 1.81% | 3.84% | 3.16% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
24 May - Newspaper Advertisement for publication of Audited Financial Results for the quarter and year ended on 31st March, 2025
-
Announcement under Regulation 30 (LODR)-Retirement
22 May - Board approved secretarial auditor appointment, internal auditor re-appointment, director cessation and new independent director appointment.
-
Announcement under Regulation 30 (LODR)-Change in Management
22 May - Appointment of secretarial/internal auditors; independent director retires, new director appointed for 5-year term.
-
Announcement under Regulation 30 (LODR)-Change in Directorate
22 May - Appointed new secretarial auditor, re-appointed internal auditor, changed independent directors.
-
Audited Financial Results For The Quarter And Year Ended On 31St March, 2025.
22 May - Approved FY25 audited results with unmodified opinion; appointed secretarial and internal auditors; director changes.
Services Offered:[1][2]
a) Granting loans to various industries
b) Investment in shares, equity mutual funds, etc.
c) Arranging for Discount of LC/Non LC backed suppliers bills
d) Arranging for Buyers credit in Foreign Exchange
e) Arranging for ECB’s for project specific basis
f) Syndication from Term Loan/ Working Capital from Financial Institutions, Banks
g) Preparation of Project Feasibility Report
h) Arranging of Corporate Loans from Banks
for Listed/ Semi Government Organisations
i) Corporate Debt Re-structuring and one time settlement for Corporates
j) Advising the companies for raising Funds
through Public Issue and Private Placement
k) Liasoning with Merchant Bankers, Brokers, Registrars, Advertisement Agency, Stock Exchanges, SEBI