Mahindra & Mahindra Financial Services Ltd
NSE: M&MFIN BSE: 532720
₹343.50
(-4.20)%
Mon, 02 Feb 2026, 07:10 am
Market Cap521.86B
PE Ratio19.46
Dividend1.73
Finance
Finance/Rental/Leasing
24.5KAnalysis
dividend
- Dividends after 3 years are expected to be well covered by earnings (5.7x coverage).
- Unable to calculate sustainability of dividends as Mahindra & Mahindra Financial Services has not reported any payouts.
- Unable to evaluate Mahindra & Mahindra Financial Services's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
- Unable to evaluate Mahindra & Mahindra Financial Services's dividend against the top 25% market benchmark as the company has not reported any payouts.
future
- Mahindra & Mahindra Financial Services's earnings are expected to grow significantly at over 20% yearly.
- Mahindra & Mahindra Financial Services's earnings growth is expected to exceed the India market average.
- Mahindra & Mahindra Financial Services's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Mahindra & Mahindra Financial Services's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- An improvement in Mahindra & Mahindra Financial Services's performance (ROE) is expected over the next 3 years.
- Mahindra & Mahindra Financial Services's earnings are expected to decrease over the next year.
- Mahindra & Mahindra Financial Services's net income is expected to increase but not above the 50% threshold in 2 years time.
- Mahindra & Mahindra Financial Services is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- Mahindra & Mahindra Financial Services's revenue is expected to increase but not above the 50% threshold in 2 years time.
- Mahindra & Mahindra Financial Services's revenue is expected to grow by 4.5% yearly, however this is not considered high growth (20% yearly).
- Mahindra & Mahindra Financial Services's revenue growth is positive but not above the India market average.
health
- Mahindra & Mahindra Financial Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Mahindra & Mahindra Financial Services is profitable, therefore cash runway is not a concern.
- Mahindra & Mahindra Financial Services is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.3x debt.
- Mahindra & Mahindra Financial Services's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (491.1% vs 471.8% today).
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- Mahindra & Mahindra Financial Services's level of debt (471.8%) compared to net worth is high (greater than 40%).
management
- The tenure for the Mahindra & Mahindra Financial Services board of directors is about average.
- Ramesh's compensation has been consistent with company performance over the past year, both up more than 20%.
- The average tenure for the Mahindra & Mahindra Financial Services management team is over 5 years, this suggests they are a seasoned and experienced team.
- Ramesh's remuneration is higher than average for companies of similar size in India.
misc
- Mahindra & Mahindra Financial Services has significant price volatility in the past 3 months.
past
- Mahindra & Mahindra Financial Services's year on year earnings growth rate has been positive over the past 5 years.
- Mahindra & Mahindra Financial Services's 1-year earnings growth is negative, it can't be compared to the 5-year average.
- Mahindra & Mahindra Financial Services used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Mahindra & Mahindra Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
- Mahindra & Mahindra Financial Services's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.
value
- Mahindra & Mahindra Financial Services is good value based on expected growth next year.
- Mahindra & Mahindra Financial Services is good value based on earnings compared to the IN Consumer Finance industry average.
- Mahindra & Mahindra Financial Services is good value based on earnings compared to the India market.
- Mahindra & Mahindra Financial Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Mahindra & Mahindra Financial Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- Mahindra & Mahindra Financial Services is overvalued based on assets compared to the IN Consumer Finance industry average.
- M&MFIN underperformed the Consumer Finance industry which returned -28.8% over the past year.
- M&MFIN underperformed the Market in India which returned -14.5% over the past year.
- NSEI:M&MFIN is flat (-0.2%) underperforming the Consumer Finance industry which returned 10.3% over the past month.
- NSEI:M&MFIN is flat (-0.2%) underperforming the market in India which returned 8% over the past month.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800