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MAHINDRA & MAHINDRA FINANCIAL SERVICES
Intrinsic Value | Fundamental Analysis

BOM : 532720     NSE : M&MFIN    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Average [Stock is fairly valued]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Neutral
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
Dec 06,2024
Price(EOD): ₹ 278.00
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 34,346.90 Cr
Value of ₹ 1 Lac invested in MAHINDRA & MAHINDRA FINANCIAL SERVICES
on Dec 09,2019 (price: ₹ 206.11)

₹ 1 L

₹ 1.35 L

1W : 0.3% 1M : 0.4% 1Y : 3.1%
COMMUNITY POLL
for MAHINDRA & MAHINDRA FINANCIAL SERVICES
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
MAHINDRA & MAHINDRA FINANCIAL SERVICES 0.3% 0.4% 3.1%
BAJAJ FINANCE 3.1% -0.9% -7.6%
BAJAJ HOLDINGS & INVESTMENT 2.7% 0.7% 36.8%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY 2.1% -0.7% 12.5%
SHRIRAM FINANCE 0.9% -1.4% 49.3%
SBI CARDS AND PAYMENT SERVICES 2% 3.2% -3.7%
MUTHOOT FINANCE 0.8% 2.1% 32.3%
ADITYA BIRLA CAPITAL 2.4% -1.6% 15.6%
SUNDARAM FINANCE 3.5% -15.3% 20.5%

FUNDAMENTAL ANALYSIS OF MAHINDRA & MAHINDRA FINANCIAL SERVICES

 
Fundamentals Score
[ Q(TTM): Sep2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF MAHINDRA & MAHINDRA FINANCIAL SERVICES

 
Valuation Score
[As on : Dec 06,2024 ]

Ratio Consolidated
P/E
P/B
P/S
16.21
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 2,118.98 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

1.73
P/B Calculated based on Book Value of Rs 19,902.80 Cr
[Latest Year - Mar2024 - Consolidated Results ]

2
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 17,161.10 Cr
[Latest Qtr - Sep2024 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF MAHINDRA & MAHINDRA FINANCIAL SERVICES

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
-23%
-13%

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SHARE PRICE MOMENTUM OF MAHINDRA & MAHINDRA FINANCIAL SERVICES



MAHINDRA & MAHINDRA FINANCIAL SERVICES vs SENSEX


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DEBT OF MAHINDRA & MAHINDRA FINANCIAL SERVICES

Year Debt/Equity ratio
Standalone Consolidated
2024
2023
2022
Avg_3yrs
5.08
4.39
3.58
4.35
4.94
4.4
3.69
4.34
[Last Annual Data : Mar2024]
Financial Ratios →

PLEDGED PROMOTER SHARES OF MAHINDRA & MAHINDRA FINANCIAL SERVICES

Pledged Promoter Shares
0 %
As on : Dec2023

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF MAHINDRA & MAHINDRA FINANCIAL SERVICES

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
3.47%
-0.14%
-20.83%
-21.4%
16.48%
24.95%
37.78%
37.55%
QtrlyTrend
2
Latest Qtr: Sep2024
Quarterly Result Analysis →


MAHINDRA & MAHINDRA FINANCIAL SERVICES related INDICES

BSE Indices1W1M1Y
S&P BSE MID CAP 3.5% 4.4% 37.8%
S&P BSE 150 MIDCAP 3.5% 4.1% 36.3%
S&P BSE MIDSMALLCAP 3.4% 4.3% 39.3%
S&P BSE 400 MIDSMALLCAP 3.4% 3.8% 36.3%
S&P BSE FINANCE 3.1% 4.5% 21.2%
NSE Indices1W1M1Y
NIFTY FREE MIDCAP 100 4.1% 5.2% 35.3%
NIFTY MIDCAP150 3.6% 4.3% 34.5%
NIFTY MAHINDRA 3.6% 6.7% 61.3%
NIFTY MID SMALL400 3.6% 4.2% 35.6%
NIFTY LARGE MIDCAP 250 3% 3.8% 30.4%

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FAQ about MAHINDRA & MAHINDRA FINANCIAL SERVICES


Is MAHINDRA & MAHINDRA FINANCIAL SERVICES good for long term investment?

As on Dec 06,2024, the Fundamentals of MAHINDRA & MAHINDRA FINANCIAL SERVICES look Average and hence you may wait for the results to improve to invest for long term ! See Financial Performance of MAHINDRA & MAHINDRA FINANCIAL SERVICES . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is MAHINDRA & MAHINDRA FINANCIAL SERVICES UnderValued or OverValued?

As on Dec 06,2024, MAHINDRA & MAHINDRA FINANCIAL SERVICES is Fairly Valued based on the estimates of intrinsic value and investors may wait for the buying opportunity once it becomes under valued!

What is the Intrinsic Value of MAHINDRA & MAHINDRA FINANCIAL SERVICES ?

As on Dec 06,2024, the Intrinsic Value of MAHINDRA & MAHINDRA FINANCIAL SERVICES is Rs. 339.52 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -18.83
Fair Value [Median EV / Sales Model] : Rs. 361.16
Fair Value [Median Price / Sales Model] : Rs. 317.89
Estimated Median Fair Value of MAHINDRA & MAHINDRA FINANCIAL SERVICES : Rs. 339.52

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is MAHINDRA & MAHINDRA FINANCIAL SERVICES trading at a Premium or Discount?

As on Dec 06,2024, MAHINDRA & MAHINDRA FINANCIAL SERVICES is trading at a Discount of -18% based on the estimates of Median Intrinsic Value!