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Fincash » Search » Mahindra & Mahindra Financial Services Ltd

Mahindra Mahindra Financial Services Ltd

Updated on November 22, 2020

Stock/Share Code - M&MFIN

MMFSL is primarily engaged in providing financing for new and pre-owned auto and utility vehicles, tractors, cars and commercial vehicles. It also provides housing finance, personal loans, financing t...show more

Below is the details of M&MFIN Mahindra Mahindra Financial Services Ltd

Market Cap₹16,643 Cr.
Current Price ₹171 as on 27 Nov 20
52 Week High / Low Price₹245.89 / ₹76.46
Face Value₹2
Stock P/E16.82
Book Value₹91.98
Dividend Yield2.97 %
ROCE9.16 %
ROE8.14 %
Sales Growth (3yrs)18.01 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros:
Cons: Company has low interest coverage ratio. Company has a low return on equity of 11.87% for last 3 years.

Mahindra Mahindra Financial Services Ltd Price Chart

Mahindra Mahindra Financial Services Ltd Price Chart

Mahindra Mahindra Financial Services Ltd Peer Comparison in Finance

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. Bajaj Finance ₹3,173.55 41.78 ₹210,170.41 Cr. 0.29 ₹962.32 Cr. -19.49 14.52 6648.20 11.95
2. Bajaj Finserv ₹3,173.55 26.35 ₹98,511.55 Cr. 0.08 ₹1,215.15 Cr. 43.75 15.63 14189.99 12.65
3. SBI Cards ₹799.3 60.93 ₹75,848.93 Cr. 0.12 ₹393.29 Cr. 13.80 4.06 2152.20 15.18
4. HDFC AMC ₹2,256.25 40.31 ₹51,319.04 Cr. 1.16 ₹302.36 Cr. 3.62 -18.42 411.49 46.82
5. Muthoot Finance ₹1,152 13.39 ₹45,993.68 Cr. 1.31 ₹853.51 Cr. 53.46 25.96 2604.48 16.01
6. Bajaj Holdings ₹3,173.55 9.93 ₹29,812.37 Cr. 1.49 ₹679.13 Cr. 1.47 14.84 90.25 12.16
7. Cholaman.Inv.&Fn 16.27 ₹19,031.2 Cr. 0.73 ₹431.3 Cr. 36.85 3.93 2125.55 10.30
8. M & M Fin. Serv. ₹722 16.82 ₹16,642.59 Cr. 2.97 ₹155.79 Cr. 120.98 10.30 2640.50 9.16

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Mahindra Mahindra Financial Services Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue1,5171,8191,7971,9292,1102,2302,4552,3942,4862,5812,6372,640
Interest7348167788499311,0201,1441,1281,2021,2091,2891,265
Expenses -5444655056656446914231,1458448831,0821,157
Employee Cost %12.31%11.24%13.66%13.66%11.42%12.18%12.79%14.71%11.83%11.20%8.09%8.50%
Financing Profit239538514414535519888121440489265219
Financing Margin %16%30%29%21%25%23%36%5%18%19%10%8%
Other Income227711113616241854353921
Depreciation111112131415173436361232
Profit before tax251604513412556520895105458488292208
Tax %35%34%39%35%31%39%34%35%45%25%24%25%
Net Profit16439631426938131958868252365221156
EPS in Rs1.453.452.582.193.112.594.780.562.052.971.801.27
Gross NPA %13.10%12.30%9.00%9.40%9.00%7.70%5.90%8.17%7.20%8.50%8.44%9.19%
Net NPA %8.80%8.20%6.20%6.30%6.00%5.80%4.80%6.27%5.80%6.70%5.98%5.72%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue1,3791,5621,9682,7903,9564,9495,5785,9006,2346,7488,80810,24410,344
Interest5105026601,1201,6192,1882,4972,6392,8573,0823,9454,8294,965
Expenses -5405375997291,0391,3951,7932,1872,7141,9582,4233,9543,966
Manufacturing Cost %0.32%0.34%1.24%4.14%3.98%0.40%0.40%0.47%0.56%0.85%1.11%1.04%
Employee Cost %8.55%8.25%7.74%7.19%5.67%6.04%8.27%9.52%10.97%12.38%12.42%11.24%
Other Cost %30.32%25.77%21.46%14.81%16.61%21.75%23.47%27.07%32.01%15.78%13.97%26.31%
Financing Profit3295237089401,2981,3661,2891,0746631,7092,4411,4611,413
Financing Margin %24%34%36%34%33%28%23%18%11%25%28%14%14%
Other Income6710434654221149
Depreciation910162022244241464460118116
Profit before tax3265217029251,2791,3461,2541,0386201,6672,3821,3441,447
Tax %34%34%34%33%31%34%34%35%35%35%35%33%
Net Profit2153434636208838878326734001,0761,557906994
EPS in Rs2.243.574.526.047.847.877.375.963.548.7612.667.378.09
Dividend Payout %25%21%22%23%23%24%27%34%34%23%26%0%

Compounded Sales Growth

  • 10 Years:: 20.69%
  • 5 Years:: 12.93%
  • 3 Years:: 18.01%
  • TTM:: 12.57%

Compounded Profit Growth

  • 10 Years:: 10.21%
  • 5 Years:: 1.73%
  • 3 Years:: 31.31%
  • TTM:: -27.07%

Return on Equity

  • 10 Years:: 6.35%
  • 5 Years:: -2.43%
  • 3 Years:: -20.23%
  • 1 Year:: -30.95%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -9696102103113113113113113123123123
Equity Capital9696102103113113113113113123123123
Reserves1,3731,6312,3882,8484,3424,9825,5575,9756,3649,49910,78511,241
Borrowings5,2136,4589,67513,96118,87223,93126,26329,45234,53840,09352,84759,651
Other Liabilities -7621,3301,5181,6492,1662,6413,1414,0394,8213,0783,3233,056
Trade Payables2552292863774794384784795781,055979606
Other liability items5071,1011,2321,2731,6872,2032,6643,5604,2442,0222,3442,450
Total Liabilities7,4449,51513,68318,56225,49231,66635,07439,57945,83752,79367,07874,071
Fixed Assets -37417297106119110113112120163364
Gross Block7182126169198215250285317356447747
Accumulated Depreciation344154719296140171206237284383
CWIP077210000000
Investments1102166755035618698541,4831,8732,7343,7925,911
Other Assets -7,2979,25112,92917,96024,82530,67734,11037,98343,85249,93963,12367,797
Trade receivables14781014656459
Cash Equivalents2762422982303455534795855784119581,426
Loans n Advances7,0209,0066,3138,45011,37914,19416,39018,81420,9121,0501,0831,552
Other asset items-1-06,3129,27213,09015,91517,23618,57822,35648,47461,07664,810
Total Assets7,4449,51513,68318,56225,49231,66635,07439,57945,83752,79367,07874,071

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity --860-2,079-4,084-5,927-6,953-5,917-2,989-3,381-4,907-7,106-10,918-3,151
Profit from operations3354176008161,1031,3961,8271,8781,7972,1382,9353,391
Receivables0300-2-59-15-1-2-2-4
Payables395920113500000246-42-378
Loans Advances-1,066-2,345-4,619-6,573-7,979-7,009-4,511-5,092-6,905-9,222-13,356-5,801
Operating investments000000000-32140
Deposits000000000-03-37
Other WC items-0-0-3-2366223224426630317205172
Working capital changes-1,027-2,282-4,420-6,440-7,616-6,791-4,278-4,680-6,276-8,692-13,177-6,048
Direct taxes-16800000000-551-676-495
Advance tax0-214-263-304-441-522-537-579-428000
Cash from Investing Activity --116-118-440116-188-515-16-506-256211-1,317-2,573
Fixed assets purchased-15-21-51-38-31-37-40-43-45-52-110-105
Fixed assets sold111111621122
Investments purchased-107-203-617-360-960-2,193-2,674-2,290-5,368-6,896-35,091-73,743
Investments sold1981595399681,8852,7481,8005,1426,91334,06371,708
Investment income5158110005565000
Interest received00000000010516092
Dividends received000000000183455
Invest in subsidiaries000000-23-95-145000
Investment in group cos000000-30-45-31000
Other investing items-0-861-37-166-171-2109125122-375-580
Cash from Financing Activity -9552,1554,6405,7217,2156,4112,9743,9155,3606,75512,4655,899
Proceeds from shares21418185512002,09800
Proceeds from debentures000000000031,55112,808
Redemption of debentures00000000-17-19-29,568-17,369
Proceeds from borrowings1,2211,4073,0053,7453,9164003,7054,30958,580029,30827,668
Repayment of borrowings-1,123-570-142042-5600-52,7910-21,093-19,830
Proceeds from deposits724073545419531,2741,0780002,5623,138
Dividends paid-51-62-85-121-168-239-252-272-271-161-294-478
Financial liabilities00000000000-38
Other financing items8349711,0891,5551,6165,031-1,560-122-1424,83700
Net Cash Flow-21-42116-8974-22-3127196-140230175

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Ratios

Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
ROE %15%21%22%23%23%19%15%11%6%13%15%8%

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