1. Is Mahindra & Mahindra Financial Services Ltd a good quality company?
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Mahindra & Mahindra Financial Services Ltd is a below average quality company.
2. Is Mahindra & Mahindra Financial Services Ltd undervalued or overvalued?
The key valuation ratios of Mahindra & Mahindra Financial Services Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.
3. Is Mahindra & Mahindra Financial Services Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Mahindra & Mahindra Financial Services Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
|Operating Income (₹ Cr.)||4,095||5,275||6,021||6,554||7,146||7,884||10,372||11,885||12,111||11,318||11,331|
|YoY Gr. Rt. %||-||28.8%||14.1%||8.9%||9%||10.3%||31.6%||14.6%||1.9%||-6.6%||-|
|Adj EPS (₹ )||10||10.3||9.9||8.3||5.5||11.8||18.1||10.7||6.3||9.2||23.9|
|YoY Gr. Rt. %||-||2.9%||-4.5%||-15.5%||-33.8%||113%||54.1%||-41.2%||-41%||46.8%||-|
|BVPS (₹ )||49.5||57.2||64.1||69.6||74.9||97.6||111.4||118.1||127.7||136.7||138.3|
|YoY Gr. Rt. %||-||15.5%||12%||8.7%||7.5%||30.4%||14.2%||6%||8.1%||7.1%||-|
|To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ|
|Net Profit/Total Funds (%)||4||3.2||2.6||1.9||1.1||2.2||2.8||1.3||0.9||1.3||0|
CAGR ⓘCAGR Colour Code Guide ⓘ
|9 Years||5 Years||3 Years||1 Years|
|Net Interest Income||12%||9.6%||3%||-6.6%|
Key Financial Ratios
|RATIOS \ YEARS||Mar'13||Mar'14||Mar'15||Mar'16||Mar'17||Mar'18||Mar'19||Mar'20||Mar'21||Mar'22||TTM|
|Asset Quality Ratio||To view Asset Quality Ratio Colour Rating Guide click here ⓘ|
|Net NPA to Net Advances (%)||1||2||2.6||3.5||4||4.1||5.3||6||4||0||-|
|Capitalization Ratio||To view Capitalization Ratio Colour Rating Guide click here ⓘ|
|Capital Adequacy Ratio (%)||17.5||16.3||18.3||17.3||17.2||21.9||20.3||19.6||26||0||-|
|Net Profit Margin (%)||22.7||18.3||15.4||12||7.4||15||17.6||8.8||6.1||9.8||26|
|Performance Ratios||To view Performance Ratios Colour Rating Guide click here ⓘ|
|Return on Equity (%)||24.5||19.6||16.5||12.7||7.9||14.1||17.3||9||5.4||6.8||17.3|
Return on Equity has increased versus last 3 years average to 17.40%
Total Income has increased 2.95 CAGR in last 3 years
Total income growth is good in last 4 quarters
Net Profit has declined -20.17 CAGR in last 3 years
|TTM EPS (₹)||22.2||23.9|
|TTM Sales (₹ Cr.)||9,932||11,331|
|BVPS (₹.) ⓘ||128||138.3|
|Reserves (₹ Cr.) ⓘ||15,573||16,835|
|From the Market|
|52 Week Low / High (₹)||127.95 / 212.70|
|All Time Low / High (₹)||19.43 / 327.76|
|Market Cap (₹ Cr.)||24,148|
|Equity (₹ Cr.)||247.1|
|Face Value (₹)||2|
|Industry PE ⓘ||30.3|
Mahindra & Mahindra Financial Services (Mahindra Finance) began as a captive financier of Mahindra Utility Vehicles in the early 90s. From Mahindra UVs to tractors to non-Mahindra products, the company has diversified into a financial services provider with a whole suite of financial solutions tailored to the under-served customer in under-penetrated rural markets. The equity shares of the Company are listed on the National Stock Exchange (NSE) and the Bombay Stock Exchange (BSE) in India. The Company is a subsidiary of Mahindra & Mahindra.
Its product portfolio consists of vehicle finance, which includes financing of passenger vehicles, utility vehicles, tractors, commercial vehicles, construction equipment; and pre-owned vehicles and SME finance, which includes project finance, equipment finance, working capital finance and bill discounting services to SMEs. The company also undertakes mutual fund distribution, fixed deposits and personal loans tailor-made to suit its unique customer set.
Through its subsidiary, Mahindra Insurance Brokers Limited (MIBL), it provides life and non-life insurance products through tie-ups with various leading insurance companies. Another one of it subsidiaries Mahindra Rural Housing Finance, provides loans for home construction, extension, purchase and improvement to customers in rural and semi-urban India. Mahindra Asset Management Company, offers a variety of mutual fund schemes, with a special focus in rural and semi urban areas. Interestingly, its Mutual Fund schemes have been launched with Hindi names, so that investors in rural areas understand the objectives of the schemes better.
Business area of the company
Mahindra & Mahindra Financial Services is a Non-Banking Financial Company (NBFC) engaged in providing asset finance through its pan India branch network.
Products and services offered by the company