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Mahindra and Mahindra Financial Services Ltd

M&MFIN Share Price

287.501.95% (+5.50)
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With a market cap of ₹39,179 cr, stock is ranked 227

Stock is 2.27x as volatile as Nifty

M&MFIN Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Avg

The stock is overpriced but is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹39,179 cr, stock is ranked 227

Stock is 2.27x as volatile as Nifty

M&MFIN Performance & Key Metrics

M&MFIN Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
17.091.822.05%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.122.321.03%

M&MFIN Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
53%
Analysts have suggested that investors can buy this stock

from 30 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

M&MFIN 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 View older 

Jul 22, 2025

PDF
View Older Presentations

M&MFIN Similar Stocks (Peers)

Compare with peers Compare with peers 

M&MFIN Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
37.67
37.67
1Y Return
36.79%
36.79%
Buy Reco %
58.06
58.06
PE Ratio
124.44
124.44
1Y Return
10.18%
10.18%
Buy Reco %
50.00
50.00
PE Ratio
31.06
31.06
1Y Return
0.03%
0.03%
Buy Reco %
61.76
61.76
PE Ratio
22.15
22.15
1Y Return
45.37%
45.37%
Buy Reco %
75.00
75.00
PE Ratio
12.27
12.27
1Y Return
9.00%
9.00%
Buy Reco %
83.33
83.33
Compare with Peers

M&MFIN Sentiment Analysis

M&MFIN Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

M&MFIN Stock Summary · July 2025

The recent earnings call highlighted a mixed lending environment, with strong performance in the tractor segment contrasting with softness in entry-level passenger vehicles and commercial categories. Management remains cautiously optimistic, identifying growth opportunities in rural markets and emphasizing the importance of operational efficiency amid rising credit costs and increased write-offs. While the SME segment faces challenges, particularly in disbursements, strategic adjustments are being made to enhance customer retention and diversify offerings, including a focus on fee-based income. The company is well-capitalized, aiming for mid-teen growth in disbursements, and is committed to maintaining net interest margins despite competitive pressures and external market challenges. Overall, a strategic shift towards non-Wheels business and improved collection efficiencies positions the company favorably for future growth.

M&MFIN Stock Growth Drivers
M&MFIN Stock Growth Drivers
10
  • Strong Performance in Tractor Segment

    The company reported a significant 21% growth in disbursements within its tractor lending business, contributing

  • Stable Financial Metrics

    The company maintained steady yields and margins despite a competitive lending environment and declining interest

M&MFIN Stock Challenges
M&MFIN Stock Challenges
6
  • Workforce Reduction and Increased Employee Costs

    The company has reduced its workforce from 9,000 to approximately 5,500 employees, which is a

  • Challenges in the Lending Environment

    The lending environment for the company has shown mixed results, particularly in the Wheels business.

M&MFIN Forecast

M&MFIN Forecasts

Price

Revenue

Earnings

M&MFIN

M&MFIN

Income

Balance Sheet

Cash Flow

M&MFIN Income Statement

M&MFIN 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 9.08%, vs industry avg of 16.15%

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 7.89% to 6.21%

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 16.04%, vs industry avg of 20.2%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue7,200.657,942.8610,477.7812,042.3612,438.5811,466.1012,875.7216,026.4318,595.6919,255.28
Raw Materialssubtract15,855.00
Power & Fuel Costsubtract
Employee Costsubtract886.641,136.611,477.951,609.821,384.011,613.122,115.332,261.442,354.94
Selling & Administrative Expensessubtract813.19701.66740.65700.47500.36770.961,076.191,676.881,900.56
Operating & Other expensessubtract4,609.354,144.585,342.887,983.179,469.567,380.616,654.489,225.0810,992.07
Depreciation/Amortizationsubtract53.7255.2175.53146.87150.51151.99225.96274.85321.21331.26
Interest & Other Itemssubtract
Taxes & Other Itemssubtract326.11719.611,013.46526.88160.93412.55731.36655.49765.04776.94
EPS5.3711.9217.6410.376.718.9716.3515.2317.8118.05
DPS1.422.373.860.000.783.505.846.136.326.13
Payout ratio0.260.200.220.000.120.390.360.400.360.34

M&MFIN Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Jul 22PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Jan 28PDF
Oct 22PDF
Oct 22PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Aug 22PDF
Jul 28PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

Apr 28PDF
Feb 3PDF
Nov 2PDF
Nov 2PDF
FY 2022FY 2022

Annual report

PDF
FY 2021FY 2021

Annual report

PDF
FY 2020FY 2020

Annual report

PDF
FY 2019FY 2019

Annual report

PDF
FY 2018FY 2018

Annual report

PDF
FY 2017FY 2017

Annual report

PDF
FY 2016FY 2016

Annual report

PDF
 

M&MFIN Stock Peers

M&MFIN Past Performance & Peer Comparison

M&MFIN Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Mahindra and Mahindra Financial Services Ltd17.321.822.05%
Bajaj Finance Ltd37.676.330.56%
Jio Financial Services Ltd124.441.620.16%
Cholamandalam Investment and Finance Company Ltd31.065.590.13%

M&MFIN Stock Price Comparison

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

M&MFIN Shareholdings

M&MFIN Promoter Holdings Trend

M&MFIN 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

M&MFIN Institutional Holdings Trend

M&MFIN 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

Decreased 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 decreased by 1.34%

Tickertape Separator

M&MFIN Shareholding Pattern

M&MFIN Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding52.49%18.38%13.95%9.34%5.84%

Sep 2024

Dec 2024

Mar 2025

Jun 2025

M&MFIN Shareholding History

M&MFIN Shareholding History

MarJunSepDec '24MarJun11.96%10.09%10.19%10.48%10.68%9.34%

Mutual Funds Invested in M&MFIN

Mutual Funds Invested in M&MFIN

No mutual funds holding trends are available

Top 5 Mutual Funds holding Mahindra and Mahindra Financial Services Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
4.0171%1.89%-0.10%49/77 (-1)
1.4584%2.60%-0.01%5/66 (+3)
1.3668%1.79%-0.07%14/75 (+1)

Compare 3-month MF holding change on Screener

M&MFIN Insider Trades & Bulk Stock Deals

M&MFIN Insider Trades & Bulk Stock Deals

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smallcases containing M&MFIN stock

smallcases containing M&MFIN stock

Looks like this stock is not in any smallcase yet.

M&MFIN Events

M&MFIN Events

M&MFIN Dividend Trend

Increasing Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

M&MFIN has increased dividends consistently over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 2.05%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹20.50 every year

Dividends

Corp. Actions

Announcements

Legal Orders

M&MFIN Dividend Trend

Increasing Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

M&MFIN has increased dividends consistently over the last 5 years

Dividend Yield
Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 2.05%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹20.50 every year

M&MFIN Upcoming Dividends

M&MFIN Upcoming Dividends

No upcoming dividends are available

M&MFIN Past Dividends

M&MFIN Past Dividends

Cash Dividend

Ex DateEx DateJul 15, 2025

Final
Final | Div/Share: ₹6.50

Dividend/Share

6.50

Ex DateEx Date

Jul 15, 2025

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

M&MFIN Stock News & Opinions

M&MFIN Stock News & Opinions

Corporate
Mahindra & Mahindra Financial Services receives credit ratings from India Ratings & Research

Mahindra Stable/ IND A1+ for various debt facilities availed by the company while the company's Principal Protected Market Linked Debentures are rated at IND PP-MLD AAA/Stable. Powered by Capital Market - Live

5 days agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services receives ratings action from CRISIL

Mahindra Stable/ CRISIL A1+ for various debt facilities availed by the company. Powered by Capital Market - Live

5 days agoCapital Market - Live
Spotlight
Mahindra Finance credit ratings reaffirmed by India Ratings and CRISIL

India Ratings reaffirmed its AAA with a Stable outlook on non-convertible debentures amounting to Rs 39,000 crore, retail non-convertible debentures of Rs 8,000 crore, private subordinated debt worth Rs 5,450 crore, retail subordinated debt of Rs 3,000 crore, bank loans of Rs 64,999.7 crore and fixed deposits of Rs 12,000 crore. The agency also maintained its top short-term rating of A1+ on commercial paper worth Rs 15,000 crore. Additionally, principal-protected market-linked debentures worth Rs 1,500 crore were reaffirmed at PP-MLD AAA/Stable. CRISIL Ratings reaffirmed its AAA with a Stable outlook on non-convertible debentures of Rs 32,875 crore, subordinated debt of Rs 5,113.50 crore, bank loan facilities of Rs 13,317 crore and fixed deposits of Rs 18,000 crore. The rating agency also maintained its highest short-term rating of A1+ on commercial paper of Rs 17,000 crore and on the short-term portion of the bank facilities. 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 11 million customers. The company is a leading vehicle and tractor financier, provides loans to SMEs and also offers fixed deposits. The company has 1,352 offices and reaches out to customers spread over 5,16,000 villages and 8,000 towns across the country, transforming more than 1.1 crore lives. On a consolidated basis, Mahindra Finance's profit after tax rose 6% to Rs 529 crore on 15% increase in total income to Rs 5,013 crore in Q1 FY26 over Q1 FY25. Powered by Capital Market - Live

5 days agoCapital Market - Live
Corporate
CRISIL affirms credit ratings of Mahindra & Mahindra Financial Services

Mahindra Stable/ CRISIL A1+ for various debt facilities availed by the company Powered by Capital Market - Live

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

Mahindra & Mahindra Financial Services has received reaffirmation in credit ratings from India Ratings and Research at IND AAA; Stable/ IND A1+ for various debt facilities availed by the company Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Mahindra & Mahindra Financial Services consolidated net profit rises 6.07% in the June 2025 quarter

Net profit of Mahindra & Mahindra Financial Services rose 6.07% to Rs 527.87 crore in the quarter ended June 2025 as against Rs 497.66 crore during the previous quarter ended June 2024. Sales rose 15.64% to Rs 4990.61 crore in the quarter ended June 2025 as against Rs 4315.52 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Sales4990.614315.52 16 OPM %60.6461.15 - PBDT789.45737.29 7 PBT703.58661.47 6 NP527.87497.66 6 Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Mahindra Finance gains as disbursements grow to Rs 12,800 crore YoY in Jun'25

Business assets stood at Rs 1,21,800 crore as of 30 June 2025, reflecting a 15% YoY growth. The collection efficiency improved to 95% in Q1 FY26, up from 94% in the same period last year. As of June 30, 2025, Stage-3 assets were in the range of 3.8% to 3.9%, compared to 3.7% in the previous quarter and 3.6% in the corresponding quarter last year. Stage-2 assets were in the range of 5.8% to 5.9%, compared to 5.4% quarter-on-quarter and 6.1% year-on-year. The company continued to enjoy a comfortable liquidity position on its balance sheet, with a liquidity chest of over Rs 9,600 crore,' Mahindra Finance said in a statement. Mahindra & Mahindra Financial Services (Mahindra Finance), a part of the Mahindra Group, is an NBFC primarily engaged in the business of financing the purchase of new and pre-owned auto and utility vehicles, tractors, cars, commercial vehicles, construction equipment, and SME financing. The company's consolidated net profit declined 9.02% to Rs 563.14 crore on a 14.54% increase in total income to Rs 4,245.09 crore in Q4 FY25 over Q4 FY24.Powered by Capital Market - Live

2 months agoCapital Market - Live
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 22 July 2025.Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Mahindra & Mahindra Financial Services allots 15.44 cr equity shares under rights issue

Mahindra & Mahindra Financial Services has allotted 15,44,41,240 fully paid-up equity shares of face value of Rs. 2/- each on rights basis to the eligible shareholders and/ or renouncee(s) in terms of the Letter of Offer at an issue price of Rs. 194/- per equity share (including a premium of Rs. 192/- per equity share). Consequent to the said allotment, the paid-up equity share capital of the Company stands increased to 138,99,71,160 equity shares of Rs 2 each. Powered by Capital Market - Live

3 months 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: Non convertible debentures (Rs 32,875 crore) - CRISIL AAA/ Stable Subordinated debt (Rs 5,113.50 crore) - CRISIL AAA/ Stable Commercial paper (Rs 17,000 crore) - CRISIL A1+ Powered by Capital Market - Live

4 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Mahindra and Mahindra Financial Services Ltd (M&MFIN) today?

    The share price of M&MFIN as on 18th September 2025 is ₹287.50. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Mahindra and Mahindra Financial Services Ltd (M&MFIN) share?

    The past returns of Mahindra and Mahindra Financial Services Ltd (M&MFIN) share are
    • Past 1 week: 3.00%
    • Past 1 month: 7.18%
    • Past 3 months: 4.72%
    • Past 6 months: 5.30%
    • Past 1 year: -11.53%
    • Past 3 years: 28.19%
    • Past 5 years: 112.95%

  3. What are the peers or stocks similar to Mahindra and Mahindra Financial Services Ltd (M&MFIN)?
  4. What is the dividend yield % of Mahindra and Mahindra Financial Services Ltd (M&MFIN) share?

    The current dividend yield of Mahindra and Mahindra Financial Services Ltd (M&MFIN) is 2.05.

  5. What is the market cap of Mahindra and Mahindra Financial Services Ltd (M&MFIN) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Mahindra and Mahindra Financial Services Ltd (M&MFIN) is ₹39179.21 Cr as of 18th September 2025.

  6. What is the 52 week high and low of Mahindra and Mahindra Financial Services Ltd (M&MFIN) share?

    The 52-week high of Mahindra and Mahindra Financial Services Ltd (M&MFIN) is ₹333.74 and the 52-week low is ₹231.52.

  7. What is the PE and PB ratio of Mahindra and Mahindra Financial Services Ltd (M&MFIN) stock?

    The P/E (price-to-earnings) ratio of Mahindra and Mahindra Financial Services Ltd (M&MFIN) is 17.32. The P/B (price-to-book) ratio is 1.82.

  8. Which sector does Mahindra and Mahindra Financial Services Ltd (M&MFIN) belong to?

    Mahindra and Mahindra Financial Services Ltd (M&MFIN) belongs to the Financials sector & Consumer Finance sub-sector.

  9. How to buy Mahindra and Mahindra Financial Services Ltd (M&MFIN) shares?

    You can directly buy Mahindra and Mahindra Financial Services Ltd (M&MFIN) shares on Tickertape. Simply sign up, connect your demat account and place your order.