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Fincash » Search » Mahindra & Mahindra Financial Services Ltd

Mahindra Mahindra Financial Services Ltd

Updated on July 15, 2019

Stock/Share Code - M&MFIN

Mahindra & Mahindra Financial Services is a publicly held Non-Banking Financial Company (NBFC) engaged in providing asset finance through its pan India branch network.

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

Market Cap₹26,048 Cr.
Current Price ₹361.4 as on 19 Jul 19
52 Week High / Low Price₹527.45 / ₹342.65
Face Value₹2
Stock P/E16.73
Book Value₹150.59
Dividend Yield0.94 %
ROCE9.75 %
ROE11.30 %
Sales Growth (3yrs)8.87 %
SectorFinance
IndustryFinance & Investments
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter Company has been maintaining a healthy dividend payout of 31.67%
Cons: Stock is trading at 2.80 times its book value Company has low interest coverage ratio. Company has a low return on equity of 9.79% 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. ₹2,558.25 51.68 ₹201,055.12 Cr. 0.11 ₹1,113.59 Cr. 49.92 42.83 4886.54 12.74
2. Bajaj Finserv ₹2,558.25 40.48 ₹130,299.85 Cr. 0.02 ₹838.74 Cr. 31.66 43.50 12994.14 14.64
3. Bajaj Holdings ₹2,558.25 12.76 ₹38,911.44 Cr. 1.14 ₹791.44 Cr. 11.13 -21.46 83.02 4.54
4. HDFC AMC ₹2,303.55 40.49 ₹37,677.79 Cr. 0.89 ₹276.17 Cr. 60.70 3.80 486.50 59.31
5. L&T Fin.Holdings ₹110.5 12.01 ₹26,803.76 Cr. 0.74 ₹552.12 Cr. 105.64 20.57 3304.23 9.19
6. Shriram Trans. ₹9.15 10.30 ₹26,415.64 Cr. 0.94 ₹746.04 Cr. -14.51 9.20 3871.27 10.90
7. Muthoot Finance ₹606.1 13.22 ₹26,071.03 Cr. 1.53 ₹511.5 Cr. 0.63 14.10 1879.72 16.65
8. M & M Fin. Serv. ₹571.3 16.73 ₹26,048.06 Cr. 0.94 ₹587.97 Cr. 87.02 36.64 2455.19 9.75

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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 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019
Revenue1,3661,4921,4901,8251,4981,5171,8191,7971,9262,1032,2302,455
Interest6917097447147557348167788499371,0201,144
Expenses540650772752443544465505665641691423
Employee Cost %12.26%11.47%10.91%9.84%13.08%12.31%11.24%13.66%13.68%11.46%12.18%12.79%
Financing Profit136133-26360299239538514412525519888
Financing Margin %10%9%-2%20%20%16%30%29%21%25%23%36%
Other Income92413171122771114451624
Depreciation111111141111111213141517
Profit before tax134146-24364299251604513412556520895
Tax %35%35%35%36%33%35%34%39%35%31%39%34%
Net Profit8795-16234201164396314269381319588
Gross NPA %10.70%11.00%11.10%9.00%14.50%13.10%11.60%8.50%9.40%9.00%7.70%5.90%
Net NPA %5.40%5.60%5.20%3.60%9.30%8.80%5.60%3.80%6.30%6.00%5.80%4.80%
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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018TTM
Revenue8401,2221,3791,5621,9682,7903,9564,9495,5785,9006,2347,1998,715
Interest3244565105026601,1201,6192,1882,4972,6392,8573,0003,950
Expenses3104905405375997291,0391,3951,7932,1872,7142,8542,421
Manufacturing Cost %0.35%0.45%0.32%0.34%1.24%4.14%3.98%0.4%0.4%0.47%0.56%0.61%%
Employee Cost %7.7%7.86%8.5%8.09%7.7%7.16%5.65%6.01%8.23%9.47%10.92%11.83%%
Other Cost %28.86%31.81%30.36%25.93%21.5%14.84%16.63%21.78%23.51%27.12%32.05%27.2%%
Financing Profit2062753295237089401,2981,3661,2891,0746631,3452,344
Financing Margin %25%23%24%34%36%34%33%28%23%18%11%19%27%
Other Income4567104346547299
Depreciation79910162022244241464460
Profit before tax2032723265217029251,2791,3461,2541,0386201,3732,382
Tax %34%35%34%34%34%33%31%34%34%35%35%35%
Net Profit1331772153434636208838878326734008921,557
EPS in Rs3.143.724.487.149.0412.0815.6815.7414.7411.917.0814.51
Dividend Payout %25%24%25%21%22%23%23%24%27%34%34%28%

Compounded Sales Growth

  • 10 Years:: 19.41%
  • 5 Years:: 12.72%
  • 3 Years:: 8.87%
  • TTM:: 31.43%

Compounded Profit Growth

  • 10 Years:: 17.55%
  • 5 Years:: 0.64%
  • 3 Years:: 2.34%
  • TTM:: 44.70%

Return on Equity

  • 10 Years:: 14.83%
  • 5 Years:: 12.19%
  • 3 Years:: 9.79%
  • Last Year:: 11.30%

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Sep 2018
Share Capital84959696102103113113113113113123123
Equity Capital84.0295.2995.7195.98102.45102.69112.6112.71112.83112.92113.01122.9
Reserves6941,2191,3731,6312,3882,8484,3424,9825,5575,9756,3649,1809,857
Borrowings4,9405,0425,2136,4589,67513,96118,87223,93126,26329,45234,53839,41736,117
Other Liabilities5636657621,3301,5181,6502,1662,6413,1414,0394,8215,64813,376
Trade Payables242.08199.36254.96229.3285.53376.54478.84437.86477.9478.84577.57934.44901.93
Total Liabilities6,2817,0227,4459,51513,68318,56225,49331,66635,07439,57945,83754,36859,473
Fixed Assets273237417297106119110113112120143
Gross Block47.6259.7871.1582.2125.9168.55197.99215.04249.82284.76317.03356.5
Accumulated Depreciation20.9627.9534.0441.4154.1571.4692.3995.74140.08171.29205.52236.84
CWIP1007721000000
Investments2731102166755035618698541,4831,8731,8732,485
Other Assets6,2266,9877,2979,25212,93017,96124,82530,67734,11037,98343,85252,37556,845
Trade receivables1.10.940.784.266.957.689.8114.355.675.115.837.433.1
Cash Equivalents283.1215.28276.31241.99297.62230.04345.43553.29479.38585.21578.07411.12351.39
Loans n Advances5942.216770.857020.339005.646312.878449.9411379.2314194.1916389.6518814.0920911.5824250.2655481.59
Total Assets6,2817,0227,4459,51513,68318,56225,49331,66635,07439,57945,83754,36859,473

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 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
Cash from Operating Activity-1,657-1,303-860-2,079-4,084-5,927-6,953-5,917-2,989-3,381-4,907-7,841
Profit from operations209.67291.55334.68417.12599.68816.41103.481395.871826.741877.711796.742367.84
Working Capital Changes-1768.88-1437.1-1026.96-2282.19-4420.41-6439.98-7615.56-6791.09-4278.27-4680.22-6276.14-9657.61
Taxes paid-98.19-157.23-167.69-214.31-263.04-303.68-440.66-522.25-537.45-578.9-427.5-550.99
Cash from Investing Activity26513-116-118-440116-188-515-16-506-256211
Fixed Assets Purchased-11.82-11.5-14.65-21.29-50.53-38.07-30.93-37.01-39.79-43.21-45.46-52.47
Fixed Assets Sold0.370.560.631.430.680.640.6115.92.270.941.34
Investments purchased-1.34-2.53-107.16-203.38-617.39-359.53-959.91-2193.2-2674.45-2289.8-5367.55-6669.83
Investments sold272.6426.380.5498.09159.29538.92968.021885.092747.5818005141.56910.92
Cash from Financing Activity1,4891,2849552,1554,6405,7217,2156,4112,9743,9155,3607,490
Proceeds from Shares3.59409.42.161.38418.271.06855.320.912.39002097.9
Proceeds from Borrowings1021.37373.91221.411407.43004.723744.993916.26399.93705.05430958580.4154626.01
Repayment of Borrowings0-44.88-1123.3-569.55-141.9041.88-56.500-52791.08-48129.35
Dividends Paid-38.64-20.68-51.02-62.35-85.03-120.88-168.16-238.88-251.58-271.75-271.27-160.97
Net Cash Flow97-5-21-42116-8974-22-3127196-140

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Ratios

Mar 2007Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018
ROE %18%17%15%21%22%23%23%19%15%11%6%11%

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Disclaimer:
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.