What is CAGR? What does CAGR table indicate for MAS Financial Services Ltd?

Compounded average growth rate (CAGR) measures the average annual growth rate compounded year-on-year over a period of time.

MAS Financial Services Ltd Stock Analysis

Q: Is MAS Financial Services Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of MAS Financial Services Ltd and arrived at the following conclusion.

Q: Is the current market price of MAS Financial Services Ltd a good price to buy it?

The 5-year analysis of MAS Financial Services Ltd's performance infers.

Q: What is MAS Financial Services Ltd share price return in the past 10 years?

We analysed the performance of MAS Financial Services Ltd share prices over the last 10 years. Here is what we found out:

Small Cap

Evaluated by 376 users | BSE: 540749 | NSE: MASFIN |
Finance Term Lending

Having incepted back in 1995, MAS delivered financing solutions to those who needed it the most. The company is registered as non-banking financial company with the Reserve Bank of India.

With a plethora of retail...

10 Year X-Ray

Consolidated basis Standalone basis P Consolidated basis P

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

What is a Financial Track Record? How to read this chart in order to understand the data present here?

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.

MAS Financial Services Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good

	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Operating Income (Rs. Cr.)	0	0	0	0	0	0	364	477	605	722
Y-o-Y Gr. Rt.	-	NA	NA	NA	NA	NA	NA	31.1%	26.8%	19.4%
Adjusted EPS (Rs.) Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items	0	0	0	0	0	0	15.26	19.06	28.05	32.92
Y-o-Y Gr. Rt.	-	NA	NA	NA	NA	NA	NA	24.9%	47.2%	17.4%
Book Value per Share (Rs.) The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share	0	0	0	0	0	0	65.93	142.55	167.49	191.35
Y-o-Y Gr. Rt.	-	NA	NA	NA	NA	NA	NA	116.2%	17.5%	14.3%

To view Net Profit/Total Funds (%) Colour Rating Guide click here

Net Profit/Total Funds (%)

3.11

4.06

4.33

3.91

Difference between Standalone Basis and Consolidated basis? Which method is preferred for MAS Financial Services Ltd. ?

Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.

MAS Financial Services Ltd. should be analysed on a Consolidated basis

CAGR CAGR Colour Code Guide

	9 yrs	5 yrs	3 yrs	1 yr
Operating Income	NA	NA	25.7%	19.4%
Adjusted EPS Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.	NA	NA	29.2%	17.4%
Book Value per Share	NA	NA	42.6%	14.3%
Share Price	-	-	13%	54.4%

Key Financial Ratios

RATIOS \ YEARS	Mar'11	Mar'12	Mar'13	Mar'14	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here Asset Quality Ratio: Colour Rating Guide <0.5 : Very Good 0.5-1 : Somewhat Good >1 : Not Good
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here Capitalization Ratio: Colour Rating Guide >17% : Very Good 15%-17% : Somewhat Good <15% : Not Good
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0
Margins
Net Profit Margin (%)	0	0	0	0	0	0	19.06	22.06	25.57	25.1
Performance Ratios To view Performance Ratios Colour Rating Guide click here Performance Ratios: Colour Rating Guide >15 : Very Good 12-15 : Somewhat Good <12 : Not Good
Return on Equity (%)	0	0	0	0	0	0	24.48	19.8	18.25	18.48

Management X-Ray

Shareholding Pattern

Entity	Percentage Holding
Promoters	73.60%
Institutions	12.19%
Non-Institutions	14.21%

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

FAQs

1. Is MAS Financial Services Ltd a good quality company?

MoneyWorks4Me analysed the past 10-year performance of MAS Financial Services Ltd and arrived at the following conclusion:

Past 10 year's financial track record indicates that MAS Financial Services Ltd is a average quality company. However, for specific investment actions please connect with your investment advisor.

2. Is current market price of MAS Financial Services Ltd a good price to buy it?

Data is not available for this company.

3. What is MAS Financial Services Ltd share price return in the past 10 years ?

Data is not available for this company

About Company

Having incepted back in 1995, MAS delivered financing solutions to those who needed it the most. The company is registered as non-banking financial company with the Reserve Bank of India.

With a plethora of retail finance options in its arsenal, MAS is focused on fulfilling the requirements of lower income and middle-income groups of the society. It offers Financial Services for Micro Enterprises Loans, SME Loans, Home Loans, Two Wheeler Loans, Used Car Loans, and Commercial Vehicle Loans to satisfy their varied needs. The focus remains on the vast lower income and middle income groups of the society, spread across urban, semi urban and rural areas, and including formal and informal sector.

Business of area of the company:

MAS Financial Services is registered as a systematically important non deposit taking non-banking finance Company (NBFC) with Reserve Bank of India (RBI). The company is engaged in the business of providing Micro Enterprise loans (MEL), Small and Medium Enterprise loans (SME), Two Wheeler loans (TW), Commercial Vehicle loans (CV) and loans to NBFCs - to create the underlying assets of MEL, SME, TW and CV.

Products:

Micro Enterprise Loan (MEL)
Salaried Personal Loan (SPL)
Two Wheeler Loan
Small & Medium Enterprises Loan (SME)
Machinery Loan
Industrial Shed Loan
Working Capital Loan
Loans against Property (LAP)
Commercial Vehicles Loan
Used Car Loan
Tractor Loan
Partnership with NBFC-MFI, HFCs and MFIS
Housing Loan

Milestones

1995: On incorporation, commenced retail finance operations with Two-wheeler and Micro-Enterprise loans.
2006: Received first round of capital infusion of Rs 65 million from Bellwether Micro Fund
2008: Acquired second and third round of capital infusion worth Rs 435 million and Rs 400 million from FMO and ICICI Venture, respectively.
2008: Floated the housing finance subsidiary.
2011: Listing of NCDs on Bombay Stock Exchange
2012: Received the fourth round of capital infusion of Rs 650 million from DEG
2013: Disbursement and AUM crossed Rs 10 billion
2014: Sarva Capital purchased 50% CCPS held by FMO in secondary deal
2015: Raised subordinate debentures of Rs 200 Million
2016: Bank loan rating was upgraded to ‘IND A’ with ‘Stable outlook’
2016: Raised subordinate debentures of Rs 400 million
2017: AUM crossed Rs 30 billion
2017: Motilal Oswal infused capital of Rs1,000 million
2018: Listing of Equity Shares on Bombay Stock Exchange & National Stock Exchange
2018: Received additional capital infusion of Rs 350 million from Motilal Oswal
2018: Raised fresh capital of Rs 2,330 million through an IP
2020: Completed 25th Year of Endeavours
2020: AUM crossed Rs 60 billion on a consolidated basis