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Fincash » Search » Mahindra & Mahindra Financial Services Ltd

Mahindra Mahindra Financial Services Ltd

Updated on July 7, 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₹8,630 Cr.
Current Price ₹204 as on 13 Jul 20
52 Week High / Low Price₹442 / ₹125.4
Face Value₹2
Stock P/E9.52
Book Value₹183.95
Dividend Yield2.86 %
ROCE11.15 %
ROE15.16 %
Sales Growth (3yrs)14.29 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Stock is trading at 0.76 times its book value Company has been maintaining a healthy dividend payout of 27.46%
Cons: Company has low interest coverage ratio. Company has a low return on equity of 12.16% 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 Fin. ₹2,900 24.08 ₹117,548.98 Cr. 0.51 ₹891.57 Cr. -19.94 33.45 6511.09 13.02
2. Bajaj Finserv ₹2,900 20.81 ₹70,098.38 Cr. 0.11 ₹194.43 Cr. -76.82 2.31 13294.25 14.02
3. HDFC AMC ₹1,845.55 42.56 ₹53,722.5 Cr. 0.95 ₹249.83 Cr. -9.54 -2.13 476.13 51.64
4. SBI Cards ₹698.2 58.65 ₹50,595.69 Cr. 0.19 ₹83.54 Cr. -66.41 22.69 2433.24 15.15
5. Muthoot Finance ₹1,110.75 12.80 ₹34,595.48 Cr. 1.74 ₹803.41 Cr. 65.57 34.57 2310.00 16.22
6. Bajaj Holdings ₹2,900 7.44 ₹22,264.68 Cr. 2.00 ₹361.41 Cr. -54.34 33.05 110.46 12.16
7. Nippon Life Ind. ₹346.35 37.89 ₹15,621.09 Cr. 2.35 ₹11.88 Cr. -91.80 -21.43 254.51 28.19
8. M & M Fin. Serv. ₹555.85 9.52 ₹8,630.18 Cr. 2.86 ₹220.92 Cr. -62.43 7.40 2636.88 11.15

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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

Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020
Revenue1,4981,5171,8191,7971,9292,1102,2302,4552,3942,4862,5812,637
Interest7557348167788499311,0201,1441,1281,2021,2091,289
Expenses -4435444655056656446914231,1458448831,082
Employee Cost %13.08%12.31%11.24%13.66%13.66%11.42%12.18%12.79%14.71%11.83%11.20%8.09%
Financing Profit299239538514414535519888121440489265
Financing Margin %20%16%30%29%21%25%23%36%5%18%19%10%
Other Income112277111136162418543539
Depreciation111111121314151734363612
Profit before tax299251604513412556520895105458488292
Tax %33%35%34%39%35%31%39%34%35%45%25%24%
Net Profit20116439631426938131958868252365221
EPS in Rs3.562.906.895.164.386.215.189.561.114.095.943.59
Gross NPA %14.50%13.10%12.30%9.00%9.40%9.00%7.70%5.90%7.40%7.20%8.50%0.00%
Net NPA %9.30%8.80%8.20%6.20%6.30%6.00%5.80%4.80%5.70%5.80%6.70%0.00%
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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Revenue1,2221,3791,5621,9682,7903,9564,9495,5785,9006,2346,7488,80810,098
Interest4565105026601,1201,6192,1882,4972,6392,8573,0823,9454,829
Expenses -4905405375997291,0391,3951,7932,1872,7141,9582,4233,954
Manufacturing Cost %0.45%0.32%0.34%1.24%4.14%3.98%0.40%0.40%0.47%0.56%0.85%1.11%
Employee Cost %7.91%8.55%8.25%7.74%7.19%5.67%6.04%8.27%9.52%10.97%12.38%12.42%
Other Cost %31.76%30.32%25.77%21.46%14.81%16.61%21.75%23.47%27.07%32.01%15.78%13.97%
Financing Profit2753295237089401,2981,3661,2891,0746631,7092,4411,315
Financing Margin %23%24%34%36%34%33%28%23%18%11%25%28%13%
Other Income5671043465422147
Depreciation9910162022244241464460118
Profit before tax2723265217029251,2791,3461,2541,0386201,6672,3821,344
Tax %35%34%34%34%33%31%34%34%35%35%35%35%
Net Profit1772153434636208838878326734001,0761,557906
EPS in Rs3.724.487.149.0412.0815.6815.7414.7411.917.0817.5125.3214.73
Dividend Payout %24%25%21%22%23%23%24%27%34%34%23%26%

Compounded Sales Growth

  • 10 Years:: 20.37%
  • 5 Years:: 12.22%
  • 3 Years:: 14.29%
  • TTM:: 15.75%

Compounded Profit Growth

  • 10 Years:: 21.92%
  • 5 Years:: 11.90%
  • 3 Years:: 32.31%
  • TTM:: -41.79%

Return on Equity

  • 10 Years:: 4.74%
  • 5 Years:: -11.08%
  • 3 Years:: -28.89%
  • 1 Year:: -66.87%

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -959696102103113113113113113123123123
Equity Capital959696102103113113113113113123123123
Reserves1,2191,3731,6312,3882,8484,3424,9825,5575,9756,3649,49910,78511,241
Borrowings5,0425,2136,4589,67513,96118,87223,93126,26329,45234,53840,09352,84759,462
Other Liabilities -6657621,3301,5181,6492,1662,6413,1414,0394,8213,0783,3233,245
Trade Payables1992552292863774794384784795781,055979606
Advance from Customers100000000000
Other liability items4655071,1011,2321,2731,6872,2032,6643,5604,2442,0222,3442,639
Total Liabilities7,0227,4449,51513,68318,56225,49231,66635,07439,57945,83752,79367,07874,071
Fixed Assets -3237417297106119110113112120163364
Gross Block607182126169198215250285317356447
Accumulated Depreciation28344154719296140171206237284
CWIP0077210000000
Investments31102166755035618698541,4831,8732,7343,7925,911
Other Assets -6,9877,2979,25112,92917,96024,82530,67734,11037,98343,85249,93963,12367,797
Trade receivables114781014656459
Cash Equivalents2152762422982303455534795855784119581,426
Loans n Advances6,7717,0209,0066,3138,45011,37914,19416,39018,81420,9121,0501,02664,993
Other asset items-0-1-06,3129,27213,09015,91517,23618,57822,35648,47461,1331,369
Total Assets7,0227,4449,51513,68318,56225,49231,66635,07439,57945,83752,79367,07874,071

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 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Cash from Operating Activity --1,303-860-2,079-4,084-5,927-6,953-5,917-2,989-3,381-4,907-7,106-10,918
Profit from operations2923354176008161,1031,3961,8271,8781,7972,1382,935
Receivables10300-2-59-15-1-2-2
Payables46395920113500000246-42
Loans Advances-1,485-1,066-2,345-4,619-6,573-7,979-7,009-4,511-5,092-6,905-9,222-13,356
Operating investments0000000000-3214
Deposits0000000000-03
Direct taxes-157-16800000000-551-676
Advance tax00-214-263-304-441-522-537-579-42800
Other operating items0-0-0-3-2366223224426630317205
Cash from Investing Activity -13-116-118-440116-188-515-16-506-256211-1,317
Fixed assets purchased-12-15-21-51-38-31-37-40-43-45-52-110
Fixed assets sold111111162112
Investments purchased-3-107-203-617-360-960-2,193-2,674-2,290-5,368-6,896-35,091
Investments sold261981595399681,8852,7481,8005,1426,91334,063
Investment income2515811000556500
Interest received0000000000105160
Dividends received00000000001834
Invest in subsidiaries0000000-23-95-14500
Investment in group cos0000000-30-45-3100
Other investing items-2-0-861-37-166-171-2109125122-375
Cash from Financing Activity -1,2849552,1554,6405,7217,2156,4112,9743,9155,3606,75512,465
Proceeds from shares40921418185512002,0980
Redemption of debentures000000000-17-19-21
Proceeds from borrowings3741,2211,4073,0053,7453,9164003,7054,30958,58000
Repayment of borrowings-45-1,123-570-142042-5600-52,79100
Proceeds from deposits0724073545419531,2741,0780002,562
Dividends paid-21-51-62-85-121-168-239-252-272-271-161-294
Other financing items5668349711,0891,5551,6165,031-1,560-122-1424,83710,218
Net Cash Flow-5-21-42116-8974-22-3127196-140230

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Ratios

Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
ROE %17%15%21%22%23%23%19%15%11%6%13%15%

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All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.