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

Equities

M&MFIN

INE774D01024

Consumer Lending

Delayed NSE India S.E.
Other stock markets
 04:13:25 2024-07-11 am EDT 		5-day change 1st Jan Change
301 INR +0.64% Intraday chart for Mahindra & Mahindra Financial Services Limited +0.99% +8.84%
Jul. 08 Nomura Adjusts Mahindra & Mahindra Financial Services' Price Target to INR250 From INR240, Keeps at Reduce MT
Jul. 03 Mahindra & Mahindra Financial Services Logs 3% Increase in June Disbursements MT

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 90,510 244,994 196,067 285,620 344,107 369,205 - -
Enterprise Value (EV) 1 583,155 705,290 630,260 951,512 344,107 1,435,257 1,635,959 1,871,577
P/E ratio 10 x 65.9 x 19.9 x 14.4 x 19.6 x 14.8 x 12.1 x 11.2 x
Yield - 0.4% 2.26% 2.59% - 2.12% 2.46% 2.41%
Capitalization / Revenue 1.67 x 4.24 x 3.38 x 4.41 x 4.63 x 4.28 x 3.62 x 3.15 x
EV / Revenue 10.8 x 12.2 x 10.9 x 14.7 x 4.63 x 16.6 x 16 x 16 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.8 x 1.67 x 1.24 x 1.67 x - 1.87 x 1.68 x 1.52 x
Nbr of stocks (in thousands) 614,877 1,231,436 1,231,966 1,232,982 1,234,243 1,234,386 - -
Reference price 2 147.2 199.0 159.2 231.6 278.8 299.1 299.1 299.1
Announcement Date 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: Marzo 2020 2021 2022 2023 2024 2025 2026 2027
Net sales 1 54,164 57,836 57,986 64,794 74,309 86,239 102,126 117,058
EBITDA - - - - - - - -
EBIT 1 33,982 41,512 37,252 37,518 41,783 52,125 62,994 71,902
Operating Margin 62.74% 71.77% 64.24% 57.9% 56.23% 60.44% 61.68% 61.42%
Earnings before Tax (EBT) 1 13,438 4,224 13,569 26,981 23,555 33,246 41,003 44,669
Net income 1 9,064 3,352 9,888 19,843 17,596 24,972 30,827 33,812
Net margin 16.73% 5.79% 17.05% 30.63% 23.68% 28.96% 30.19% 28.88%
EPS 2 14.71 3.020 8.010 16.08 14.25 20.15 24.71 26.78
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - 0.8000 3.600 6.000 - 6.346 7.354 7.219
Announcement Date 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 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3 2025 Q4 2026 Q1
Net sales 1 15,916 15,306 15,666 15,405 16,496 17,227 17,010 16,740 18,958 20,779 19,775 20,190 21,739 23,077 -
EBITDA - - - - - - - - - - - - - - -
EBIT 1 10,622 8,979 9,458 8,637 9,983 9,441 10,000 9,428 10,625 11,730 12,196 11,774 12,880 13,689 -
Operating Margin 66.74% 58.66% 60.37% 56.06% 60.52% 54.8% 58.79% 56.32% 56.04% 56.45% 61.67% 58.32% 59.25% 59.32% -
Earnings before Tax (EBT) 1 12,096 8,341 3,005 6,107 8,431 9,437 4,735 3,163 7,341 8,315 6,692 7,721 10,830 11,982 -
Net income 1 8,938 6,008 2,229 4,483 6,290 6,841 3,527 2,352 5,528 6,190 4,931 5,752 8,068 8,926 -
Net margin 56.16% 39.25% 14.23% 29.1% 38.13% 39.71% 20.73% 14.05% 29.16% 29.79% 24.94% 28.49% 37.11% 38.68% -
EPS 2 7.240 4.870 1.810 3.630 5.090 5.540 2.850 1.900 4.470 5.000 4.328 4.230 4.980 6.290 5.260
Dividend per Share - - - - - 6.000 - - - - - - - - -
Announcement Date 2/2/22 5/2/22 7/28/22 11/2/22 2/3/23 4/28/23 7/28/23 10/27/23 1/30/24 5/4/24 - - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net Debt 1 492,645 460,296 434,193 665,892 - 1,066,052 1,266,754 1,502,373
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 8.14% 2.57% 6.48% 12.1% - 13.2% 14.7% 14.5%
ROA (Net income/ Total Assets) 1.28% 0.44% 1.3% 2.31% - 2.01% 2.1% 1.97%
Assets 1 705,757 755,523 761,749 857,528 - 1,241,454 1,467,529 1,713,546
Book Value Per Share 2 185.0 119.0 128.0 139.0 - 160.0 178.0 197.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 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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