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MAS Financial Services Ltd Stock Analysis

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...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
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'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)000000364477605722
Y-o-Y Gr. Rt.-NANANANANANA31.1%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
00000015.2619.0628.0532.92
Y-o-Y Gr. Rt.-NANANANANANA24.9%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
00000065.93142.55167.49191.35
Y-o-Y Gr. Rt.-NANANANANANA116.2%17.5%14.3%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)0000003.114.064.333.91
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 IncomeNANA25.7%19.4%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
NANA29.2%17.4%
Book Value per Share
NANA42.6%14.3%
Share Price - - 13% 54.4%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'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 (%)0000000000
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 (%)0000000000
Margins
Net Profit Margin (%) 00000019.0622.0625.5725.1
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 (%) 00000024.4819.818.2518.48
Entity Percentage Holding
Promoters 73.60%
Institutions 12.19%
Non-Institutions 14.21%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

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.

Data is not available for this company.

Data is not available for this 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,

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
Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323

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