MAS Financial Services Ltd
NSE: MASFIN BSE: 540749
₹303.40
(-1.92%)
Sat, 21 Mar 2026, 04:38 am
Market Cap56.21B
PE Ratio15.70
Dividend0.63
Finance
Finance/Rental/Leasing
24.5KMAS Financial Services Analysis
dividend
- Dividends paid are well covered by earnings (4.1x coverage).
- MAS Financial Services's pays a higher dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Dividend payments have increased, but MAS Financial Services only paid a dividend in the past 3 years.
- MAS Financial Services has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
- MAS Financial Services's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- MAS Financial Services is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- A decline in MAS Financial Services's performance (ROE) is expected over the next 3 years.
health
- MAS Financial Services is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- MAS Financial Services is profitable, therefore cash runway is not a concern.
- MAS Financial Services is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.7x debt.
- MAS 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 (638.6% vs 262.3% today).
- Low level of unsold assets.
- Debt is not well covered by operating cash flow (7%, less than 20% of total debt).
- MAS Financial Services's level of debt (262.3%) compared to net worth is high (greater than 40%).
management
- The tenure for the MAS Financial Services board of directors is about average.
- Darshana's remuneration is lower than average for companies of similar size in India.
- More shares have been bought than sold by MAS Financial Services individual insiders in the past 3 months.
- The average tenure for the MAS Financial Services management team is over 5 years, this suggests they are a seasoned and experienced team.
- Darshana's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.
misc
- MAS Financial Services is covered by less than 3 analysts.
- MAS Financial Services has significant price volatility in the past 3 months.
past
- MAS Financial Services has delivered over 20% year on year earnings growth in the past 5 years.
- MAS Financial Services used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- MAS Financial Services's earnings growth has exceeded the IN Consumer Finance industry average in the past year (17.1% vs 11%).
- MAS Financial Services's 1-year earnings growth is less than its 5-year average (17.1% vs 30.1%)
- MAS Financial Services has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- MASFIN outperformed the Consumer Finance industry which returned -28.8% over the past year.
- MASFIN outperformed the Market in India which returned -14.5% over the past year.
- NSEI:MASFIN is up 17.3% outperforming the Consumer Finance industry which returned 10.3% over the past month.
- NSEI:MASFIN is up 17.3% outperforming the market in India which returned 8% over the past month.
- MAS Financial Services's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- MAS Financial Services's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- MAS Financial Services is overvalued based on assets compared to the IN Consumer Finance industry average.
- MAS Financial Services is overvalued based on earnings compared to the IN Consumer Finance industry average.
- MAS Financial Services is overvalued based on earnings compared to the India market.
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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