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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 ₹35,131 cr, stock is ranked 242
Moderate RiskStock is 2.14x as volatile as Nifty
283.050.53% (-1.50)
283.050.53% (-1.50)

Price Chart

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1M
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Max
SIP
FinancialsConsumer Finance
MidcapWith a market cap of ₹35,131 cr, stock is ranked 242
Moderate RiskStock is 2.14x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
MidcapWith a market cap of ₹35,131 cr, stock is ranked 242
Moderate RiskStock is 2.14x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
16.121.762.21%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.532.580.94%

Forecast & Ratings

Detailed Forecast 
52%
Analysts have suggested that investors can buy this stock

from 31 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

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Oct 22, 2024

PDF
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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 15.21%

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 8.39% to 6.83%

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 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue6,597.457,200.657,942.8610,477.7812,042.3612,438.5811,466.1012,875.7216,026.4317,365.76
Raw Materialssubtract—————————14,163.32
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/Amortizationsubtract45.7053.7255.2175.53146.87150.51151.99225.96274.85295.90
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract451.83326.11719.611,013.46526.88160.93412.55731.36655.49726.55
EPS8.345.5212.2518.1310.666.909.2216.8015.6617.66
DPS2.441.462.443.960.000.803.606.006.306.30
Payout ratio0.290.260.200.220.000.120.390.360.400.36

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 2PDF
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

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 Ltd18.181.762.21%
Bajaj Finance Ltd29.695.600.52%
Jio Financial Services Ltd132.681.53—
Shriram Finance Ltd16.272.411.41%

Price Comparison

Compare M&MFIN with any stock or ETF
Compare M&MFIN with any stock or ETF
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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%17.62%13.96%10.19%6.08%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep13.92%14.09%12.73%11.96%10.09%10.19%

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)
HDFC Mid-Cap Opportunities Fund - Growth - Direct Plan

Growth
4.1058%1.90%0.04%16/78 (+1)
SBI Long Term Equity Fund - Growth - Direct Plan

Growth
1.4202%1.79%-0.26%20/64 (-5)
SBI FUNDS MANAGEMENT PVT LTD#SBI MF-SBI MAGNUM MIDCAP FUND DIRECT PL GROWTH

Growth
1.3060%2.14%1.27%10/82 (+17)

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

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 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

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

Mahindra & Mahindra Financial Services has received credit ratings from CRISIL as under:  Instrument Rated Amount (Rs crore)   Rating outstanding   Non convertible debentures 24,000  CRISIL AAA/ Stable    Subordinate debt 3,113.50  CRISIL AAA/ Stable    Commercial paper 15,000  CRISIL A1+  Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Earnings
Mahindra & Mahindra Financial Services consolidated net profit rises 38.54% in the September 2024 quarter

Net profit of Mahindra & Mahindra Financial Services rose 38.54% to Rs 389.42 crore in the quarter ended September 2024 as against Rs 281.09 crore during the previous quarter ended September 2023. Sales rose 16.48% to Rs 4465.15 crore in the quarter ended September 2024 as against Rs 3833.25 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales4465.153833.25 16 OPM %59.0355.03 - PBDT601.63450.35 34 PBT522.96383.27 36 NP389.42281.09 39 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 & Research as under: 1 Non-convertible Debentures (Rs 39,000 crore) - 'IND AAA'/ Outlook Stable 2 Retail Non-convertible Debentures (Rs 10,000 crore) - 'IND AAA'/ Outlook Stable (The rated limit is interchangeable with retail subordinated debt) 3 Private Sub Debt (Rs 34,500 crore) - 'IND AAA'/ Outlook Stable 4 Principal Protected Market Linked Debenture (Rs 1,500 crore) - IND PP-MLD AAA/Stable 5 Retail Subordinate Debt (Rs 3,000 crore) - 'IND AAA'/ Outlook Stable 6 Commercial Paper (Rs 15,000 crore) - IND A1+ 7 Bank Loan (Rs 65,000 crore) - IND AAA/ Stable/ IND A1+ Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives credit ratings from CRISIL

Mahindra & Mahindra Financial Services has received credit ratings from CRISIL as under: 1 Non-Convertible Debentures (Rs 24,000 crore) - CRISIL AAA/Stable 2 Subordinated Debt (Rs 3,113.50 crore) - CRISIL AAA/Stable 3 Commercial Paper (Rs 15,000 crore) - CRISIL A1+ Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives affirmation in credit ratings for NCDs

Mahindra Stable 2 Subordinated debt (public issue) Rs 933.00 crore -  CARE AAA; Stable 3 Unsecured non-convertible debenture (NCD privately placed) Rs 1,000.00 crore - CARE AAA; Stable 4 Subordinated debt (privately placed) Rs 2760.00 crore - CARE AAA; Stable 5 Long-term debt programme (public issue non-convertible debentures/ subordinated debt) Rs 4059.03 crore - CARE AAA; Stable Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services allots NCDs aggregating Rs 750 cr

Mahindra & Mahindra Financial Services has allotted 75,000 Unsecured, Subordinated (Tier II), Rated, Listed, Redeemable Non-convertible Debentures with the face value of Rs. 1,00,000/- per debenture, issued at a multiple pricing (i.e. at par and premium based on the investor pricing bids), aggregating to subscription amount of Rs. 750.30 crore on private placement basis. The said NCDs have been issued at a Fixed Coupon of 8.24% p.a. and are proposed to be listed on the Wholesale Debt Market Segment of BSE. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Serv. to discuss results

Mahindra & Mahindra Financial Serv. will hold a meeting of the Board of Directors of the Company on 22 October 2024Powered by Capital Market - Live

2 months agoCapital Market - Live
Live Market Update
Market at day's high; IT shares in demand

The domestic equity benchmarks traded with major gains in early-afternoon trade. The Nifty scaled above the 25,450 mark after hitting the day's low of 25,094.55 in early trade. IT shares advanced after declining in the past trading session. At 12:30 IST, the barometer index, the S&P BSE Sensex jumped 829.27 points or 1.01% to 83,326.37. The Nifty 50 index advanced 211.15 points or 0.84% to 25,461.25. The broader market underperformed the frontline indices. The S&P BSE Mid-Cap index rose 0.33% and the S&P BSE Small-Cap index added 0.44%. The market breadth was positive. On the BSE, 2,274 shares rose and 1,547 shares fell. A total of 136 shares were unchanged. Economy : The HSBC India Services PMI survey, compiled by S&P Global, indicates strong sector performance, but total new business, international sales, and output have all increased at the slowest rates since late 2023. Despite solid job creation and strengthening business confidence, the Services Business Activity Index fell from 60.9 in August to 57.7 in September, still indicating growth above the neutral mark of 50.0. The slowdown in output growth, the lowest since November 2023, was influenced by intense competition, cost pressures, and shifts in consumer preferences toward online services. While new business intakes expanded sharply, their growth rate dropped to a ten-month low, and international sales growth weakened significantly, reflecting broader trends in private sector output. Derivatives: The NSE's India VIX, a gauge of the market's expectation of volatility over the near term, rose 1.06% to 13.31. The Nifty 31 October 2024 futures were trading at 25,586.30, at a premium of 125.05 points as compared with the spot at 25,461.25. The Nifty option chain for the 31 October 2024 expiry showed maximum Call OI of 67.1 lakh contracts at the 27,000 strike price. Maximum Put OI of 43.3 lakh contracts were seen at 25,000 strike price. Buzzing Index: The Nifty IT index gained 1.80% to 42,512.55. The index fell 1.58% in the past trading session. Infosys (up 2.73%), Tech Mahindra (up 1.99%), Coforge (up 1.83%), Wipro (up 1.81%), L&T Technology Services (up 1.35%), Tata Consultancy Services (up 1.24%), HCL Technologies (up 1.24%), LTIMindtree (up 1.23%) and Mphasis (up 0.37%) advanced. Stocks in Spotlight : Mahindra & Mahindra Financial Services dropped 4.04% after the company's overall disbursement for Q2 FY25 was Rs 13,160 crore, which is a YoY decline of 1% over previous year. Sundaram-Clayton advanced 2.33% after the firm announced that its board has approved the opening of qualified institutional placement (QIP) issue of equity shares with the floor price of Rs 2,320.78 per share. Aarti Drugs rose 1.92% after the Medicines and Healthcare Products Regulatory Agency (UK MHRA) has granted a Certificate of GMP Compliance of a Manufacturer for its arm, Pinnacle Life Science's manufacturing facility in Himachal Pradesh.Powered by Capital Market - Live

2 months agoCapital Market - Live
Spotlight
Mahindra Finance records disbursements of Rs 13,160 crore in Q2 FY25

For H1 FY25, the total disbursement was approximately Rs 25,900 crore, a growth of 2% on YoY basis. Business assets stood at approximately Rs 1,12,600 crore, up by nearly 20% over September 2023. The collection efficiency (CE) was at 96% for Q2 FY25, same as that in Q2 FY24. As at September 30, 2024, stage-3 assets were at about 3.8% as compared to 4.3% as at September 2023. Stage-2 assets were at around 6.4% as against 5.7% as at September 2023. 'The company continued to enjoy a comfortable liquidity position on its balance sheet, with a liquidity chest of over Rs. 8,500 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 45% to Rs 513 crore on 20% increase in total income to Rs 3,760 crore in Q1 FY25 over in Q1 FY24. The scrip fell 3.77% to currently trade at Rs 310 on the BSE. Powered by Capital Market - Live

2 months agoCapital Market - Live