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Mahindra and Mahindra Financial Services Ltd

M&MFIN

Mahindra and Mahindra Financial Services Ltd

M&MFIN
FinancialsConsumer Finance
MidcapWith a market cap of ₹36,594 cr, stock is ranked 219
Moderate RiskStock is 2.15x as volatile as Nifty
281.554.99% (-14.80)
281.554.99% (-14.80)

Price Chart

High
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Low
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1D
1W
1M
1Y
5Y
Max
SIP
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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsConsumer Finance
MidcapWith a market cap of ₹36,594 cr, stock is ranked 219
Moderate RiskStock is 2.15x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
MidcapWith a market cap of ₹36,594 cr, stock is ranked 219
Moderate RiskStock is 2.15x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
14.791.832.13%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
16.972.361.02%

Forecast & Ratings

Detailed Forecast 
57%
Analysts have suggested that investors can buy this stock

from 30 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Mahindra & Mahindra Financial Services Limited is a non-banking financial company (NBFC). The Company serves the financing needs of population residing in rural and semi-urban areas of India.

Investor Presentation

View older 

Jan 28, 2025

PDF
View Older Presentations
PE Ratio
35.51
1Y Return
24.69%
Buy Reco %
80.00
PE Ratio
96.20
1Y Return
13.08%
Buy Reco %
0.00
PE Ratio
33.14
1Y Return
18.95%
Buy Reco %
75.00
PE Ratio
14.31
1Y Return
19.03%
Buy Reco %
96.97
PE Ratio
56.22
1Y Return
32.12%
Buy Reco %
40.00
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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Lower than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 8.87%, vs industry avg of 15.17%

Decreasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 8.36% to 6.81%

Lower than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 1.13%, vs industry avg of 20.9%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue6,597.457,200.657,942.8610,477.7812,042.3612,438.5811,466.1012,875.7216,026.4318,031.37
Raw Materialssubtract—————————14,409.33
Power & Fuel Costsubtract—————————
Employee Costsubtract704.09886.641,136.611,477.951,609.821,384.011,613.122,115.332,261.44
Selling & Administrative Expensessubtract656.99813.19701.66740.65700.47500.36770.961,076.191,676.88
Operating & Other expensessubtract3,966.544,609.354,144.585,342.887,983.179,469.567,380.616,654.489,225.08
Depreciation/Amortizationsubtract45.7053.7255.2175.53146.87150.51151.99225.96274.85308.87
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract451.83326.11719.611,013.46526.88160.93412.55731.36655.49838.17
EPS8.345.5212.2518.1310.666.909.2216.8015.6620.05
DPS2.441.462.443.960.000.803.606.006.306.30
Payout ratio0.290.260.200.220.000.120.390.360.400.31

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2023

Annual report

PDF

Investor Presentation

Apr 28PDF
Feb 3PDF
Nov 2PDF
+2 more
FY 2024

Annual report

PDF

Investor Presentation

Aug 22PDF
Jul 28PDF
FY 2025

Annual Report Pending

Investor Presentation

Jan 28PDF
Oct 22PDF
Oct 22PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Mahindra and Mahindra Financial Services Ltd18.931.832.13%
Bajaj Finance Ltd35.516.690.43%
Jio Financial Services Ltd96.201.11—
Cholamandalam Investment and Finance Company Ltd33.145.780.15%

Price Comparison

Compare M&MFIN with any stock or ETF
Compare M&MFIN with any stock or ETF
M&MFIN
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding52.16%17.47%13.70%10.48%6.20%

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Shareholding History

SepDec '23MarJunSepDec '2414.09%12.73%11.96%10.09%10.19%10.48%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Mahindra and Mahindra Financial Services Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
4.2897%2.14%0.24%49/84 (+1)
1.5574%2.69%0.55%7/77 (+9)
1.4210%1.90%0.11%20/64 (+2)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Mahindra and Mahindra Financial Services Ltd

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House of Mahindra

House of Mahindra

Created by Windmill Capital

M&MFIN's Wtg.
23.46%
CAGR
24.82%

Events

Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateJul 16, 2024

Final
Final | Div/Share: ₹6.30

Dividend/Share

₹6.30

Ex DateEx Date

Jul 16, 2024

Cash Dividend

Ex DateEx DateJul 21, 2023

Final
Final | Div/Share: ₹6.00

Dividend/Share

₹6.00

Ex DateEx Date

Jul 21, 2023

Cash Dividend

Ex DateEx DateJul 20, 2022

Final
Final | Div/Share: ₹3.60

Dividend/Share

₹3.60

Ex DateEx Date

Jul 20, 2022

Cash Dividend

Ex DateEx DateJul 16, 2021

Final
Final | Div/Share: ₹0.80

Dividend/Share

₹0.80

Ex DateEx Date

Jul 16, 2021

Cash Dividend

Ex DateEx DateJul 15, 2019

Special
Special | Div/Share: ₹2.50

Dividend/Share

₹2.50

Ex DateEx Date

Jul 15, 2019

News & Opinions
Corporate
Mahindra & Mahindra Financial Serv. to convene board meeting

Mahindra & Mahindra Financial Serv. will hold a meeting of the Board of Directors of the Company on 13 February 2025.Powered by Capital Market - Live

5 hours agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services allots NCDs aggregating Rs 750 cr

Mahindra & Mahindra Financial Services has allotted 75,000 Secured, Rated, Listed, Redeemable Non-convertible Debentures with the face value of Rs. 1,00,000 per debenture issued at par at a coupon of 7.8863% p.a. for a tenor of 3 years & 85 days from the date of allotment on private placement basis to the identified investors. Powered by Capital Market - Live

1 week agoCapital Market - Live
Earnings
Mahindra & Mahindra Financial Services consolidated net profit rises 47.39% in the December 2024 quarter

Net profit of Mahindra & Mahindra Financial Services rose 47.39% to Rs 917.57 crore in the quarter ended December 2024 as against Rs 622.56 crore during the previous quarter ended December 2023. Sales rose 16.99% to Rs 4796.80 crore in the quarter ended December 2024 as against Rs 4100.08 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Sales4796.804100.08 17 OPM %72.3764.48 - PBDT1315.21895.61 47 PBT1233.01826.38 49 NP917.57622.56 47 Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services allots NCDs aggregating Rs 250 cr

Mahindra & Mahindra Financial Services has allotted 25,000 Unsecured, Subordinated (Tier II), Redeemable Non-convertible Debentures with the face value of Rs. 1,00,000 per debenture issued at a discount (multiple pricing) plus accrued interest with effective yield (XIRR) at 8.27% aggregating to subscription amount of Rs. 255,34,86,175/-for a residual tenor of 9 years & 255 days from the date of allotment on private placement basis to the identified investors.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives affirmation in credit ratings

Mahindra Stable' for debt facilities including NCDs and subordinate debt. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives credit ratings from India Ratings & Research

Mahindra Stable Retail Non-convertible Debentures (Rs 8,000 crore) - IND AAA; Stable (The rated limit is interchangeable with retail subordinated debt) Private Sub Debt (Rs 5,450 crore) - IND AAA/ Outlook Stable (Rs 2,000 crore of retail non-convertible debentures moved to Private Sub debt) Principal Protected Market Linked Debenture (Rs 1,500 crore) - IND PP-MLD AAA/Stable Retail Subordinate Debt - IND AAA/ Outlook Stable Commercial paper (Rs 15,000 crore) - IND A1+ Bank loan (Rs 65,000 crore) - IND AAA/ Outlook Stable / IND A1+ Fixed deposit (Rs 12,000 crore) - IND AAA/ StablePowered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives ratings action from CRISIL

Mahindra & Mahindra Financial Services has received credit ratings from CRISIL as under: Non convertible debentures (Rs 24,000 crore) - CRISIL AAA/ Stable Subordinated debt (Rs 3,113.50 crore) - CRISIL AAA/ Stable Commercial paper (Rs 15,000 crore) - CRISIL A1+ Bank loan (Rs 13,317 crore) - CRISIL AAA/ Stable/ CRISIL A1+ Fixed deposit (Rs 12,000 crore) - CRISIL AAA/ Stable Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Spotlight
Mahindra Finance records disbursements of Rs 16,450 crore in Q3

For 9M FY25, the total disbursement was approximately Rs 42,350 crore, a growth of 4% on YoY basis. Business assets stood at approximately Rs 1,14,900 crore, up by 18% over December 2023. The collection efficiency (CE) was at 95% for Q3 FY25, same as that in Q3 FY24. As at 31 December 2024, stage-3 assets were at about 3.9% as compared to 4% as at December 2023. Stage-2 assets were at around 6.3% as against 6% as at December 2023. 'The company continued to enjoy a comfortable liquidity position on its balance sheet, with a liquidity chest of over Rs 9,100 crore,' Mahindra Finance said in a statement. Mahindra & Mahindra Financial Services (Mahindra Finance), part of the Mahindra Group, is one of India's leading non-banking finance companies. Focused on the rural and semi-urban sector, the company has over 10 million customers and has an AUM of over $11 billion. The company is a leading vehicle and tractor financier, provides loans to SMEs and also offers fixed deposits. The NBFC's standalone net profit jumped 57.1% to Rs 369.47 crore on 21.1% increase in total income to Rs 3,925.06 crore in Q2 FY25 over in Q2 FY24. The scrip rose 0.05% to end at Rs 276.45 on Friday, 3 January 2024. Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Serv. to hold board meeting

Mahindra & Mahindra Financial Serv. will hold a meeting of the Board of Directors of the Company on 28 January 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives credit ratings from India Ratings & Research

Mahindra & Mahindra Financial Services has received credit ratings from India Ratings and Research as under: Non convertible debentures (Rs 39,000 crore) - 'IND AAA'/ Outlook Stable Retail Non-convertible Debentures (Rs 10,000 crore) - 'IND AAA'/ Outlook Stable (The rated limit is interchangeable with retail subordinated debt) Private Sub Debt (Rs 3450 crore) - 'IND AAA'/ Outlook Stable Principal Protected Market Linked Debenture (Rs 1500 crore) - IND PP-MLD AAA/Stable Retail Subordinate Debt (Rs 3000 crore) - 'IND AAA'/ Outlook Stable Commercial Paper (Rs 15,000 crore) - IND A1+Powered by Capital Market - Live

2 months agoCapital Market - Live