Stock M&MFIN MAHINDRA & MAHINDRA FINANCIAL SERVICES LIMITED
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Financials Mahindra & Mahindra Financial Services Limited

Equities

M&MFIN

INE774D01024

Consumer Lending

Market Closed - NSE India S.E.
Other stock markets
 07:43:53 2024-05-31 am EDT 		5-day change 1st Jan Change
267.6 INR +1.69% Intraday chart for Mahindra & Mahindra Financial Services Limited -1.40% -3.29%
May. 23 Mahindra & Mahindra Financial Services Appoints Chief Risk Officer MT
May. 22 Consumer Goods, Realty Push Indian Equities Higher on Wednesday MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 258,818 90,510 244,994 196,067 285,620 330,283 - -
Enterprise Value (EV) 1 721,030 583,155 705,290 630,260 951,512 344,107 1,396,335 1,597,038
P/E ratio 16.7 x 10 x 65.9 x 19.9 x 14.4 x 19.6 x 13.3 x 10.8 x
Yield 1.54% - 0.4% 2.26% 2.59% 1.78% 2.39% 2.76%
Capitalization / Revenue 5.32 x 1.67 x 4.24 x 3.38 x 4.41 x 4.63 x 3.83 x 3.23 x
EV / Revenue 14.8 x 10.8 x 12.2 x 10.9 x 14.7 x 4.63 x 16.2 x 15.6 x
EV / EBITDA 11,235,014 x - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.37 x 0.8 x 1.67 x 1.24 x 1.67 x 1.81 x 1.67 x 1.5 x
Nbr of stocks (in thousands) 614,477 614,877 1,231,436 1,231,966 1,232,982 1,234,243 - -
Reference price 2 421.2 147.2 199.0 159.2 231.6 267.6 267.6 267.6
Announcement Date 4/24/19 5/15/20 4/23/21 5/2/22 4/28/23 5/4/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 48,653 54,164 57,836 57,986 64,794 74,309 86,234 102,233
EBITDA 64,177 - - - - - - -
EBIT 1 30,177 33,982 41,512 37,252 37,518 41,783 51,954 63,181
Operating Margin 62.02% 62.74% 71.77% 64.24% 57.9% 56.23% 60.25% 61.8%
Earnings before Tax (EBT) 1 23,824 13,438 4,224 13,569 26,981 23,555 33,182 41,269
Net income 1 15,571 9,064 3,352 9,888 19,843 17,596 24,952 31,008
Net margin 32% 16.73% 5.79% 17.05% 30.63% 23.68% 28.93% 30.33%
EPS 2 25.28 14.71 3.020 8.010 16.08 14.25 20.16 24.78
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 6.500 - 0.8000 3.600 6.000 4.751 6.391 7.399
Announcement Date 4/24/19 5/15/20 4/23/21 5/2/22 4/28/23 5/4/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 15,165 15,488 11,691 15,073 15,916 15,306 15,666 15,405 16,496 17,227 17,010 17,408 17,692 18,969 19,111
EBITDA - - - - - - - - - - - - - - -
EBIT 1 10,180 10,573 7,488 10,163 10,622 8,979 9,458 8,637 9,983 9,441 10,000 10,281 10,162 11,015 10,969
Operating Margin 67.13% 68.27% 64.05% 67.42% 66.74% 58.66% 60.37% 56.06% 60.52% 54.8% 58.79% 59.06% 57.44% 58.07% 57.4%
Earnings before Tax (EBT) 1 -3,687 1,713 -20,698 13,831 12,096 8,341 3,005 6,107 8,431 9,437 4,735 6,360 6,407 9,569 -
Net income 1 -2,741 1,500 -15,288 10,229 8,938 6,008 2,229 4,483 6,290 6,841 3,527 4,514 4,703 6,920 -
Net margin -18.08% 9.68% -130.76% 67.86% 56.16% 39.25% 14.23% 29.1% 38.13% 39.71% 20.73% 25.93% 26.58% 36.48% -
EPS 2 -2.230 1.220 -12.41 8.290 7.240 4.870 1.810 3.630 5.090 5.540 2.850 4.102 4.228 5.522 4.260
Dividend per Share - - - - - - - - - 6.000 - - - 6.095 -
Announcement Date 1/28/21 4/23/21 7/26/21 10/28/21 2/2/22 5/2/22 7/28/22 11/2/22 2/3/23 4/28/23 7/28/23 - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 462,213 492,645 460,296 434,193 665,892 931,528 1,066,052 1,266,754
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 7.202 x - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.2% 8.14% 2.57% 6.48% 12.1% 10.2% 13.3% 14.8%
ROA (Net income/ Total Assets) 2.6% 1.28% 0.44% 1.3% 2.31% 1.67% 2.01% 2.11%
Assets 1 598,871 705,757 755,523 761,749 857,528 1,080,639 1,239,995 1,470,683
Book Value Per Share 2 177.0 185.0 119.0 128.0 139.0 148.0 160.0 178.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/24/19 5/15/20 4/23/21 5/2/22 4/28/23 5/4/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Mahindra & Mahindra Financial Services Limited

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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