Mahindra & Mahindra Financial Services Limited
M%26MFIN · NBFC · NSE
₹281
Current Market Price
Fair Value (P/B + Residual Income)
₹390
Discount to FV
+38.9%
Updated 23h ago
YieldIQ Score
50/100
Piotroski F-Score
4/9
Economic Moat
Narrow
Confidence
90%
ROE
10.7%
Debt/Equity
4.29
Cost of Equity
11.0%
Market Cap
₹39,025 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
7.1%
3-year revenue growth
Revenue CAGR (5Y)
8.0%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹280.85
Bear case
Discount -2.9%
Base case
Discount +28.0%
Bull case
Discount +44.6%
Ratio Trends
M%26MFIN · last 5 annual periods
ROE
10.7%
ROCE
—
Operating Margin
—
Debt / Equity
4.29×
PE
13.9×
EV / EBITDA
—
Historical Financials
M%26MFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹6824 Cr | ₹7394 Cr | ₹8137 Cr | ₹9070 Cr | ₹10.8K Cr | +12.3% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹1137 Cr | ₹2072 Cr | ₹1933 Cr | ₹2262 Cr | ₹2855 Cr | +25.9% |
| EPS (diluted) | ₹8.96 | ₹16.34 | ₹15.23 | ₹17.77 | — | +18.7% |
| CFO | ₹18.1 Cr | ₹-17.4K Cr | ₹-18.4K Cr | ₹-15.6K Cr | ₹-12.8K Cr | — |
| CapEx | ₹-301 Cr | ₹-413 Cr | ₹-323 Cr | ₹-442 Cr | ₹-416 Cr | — |
| FCF | ₹-283 Cr | ₹-17.8K Cr | ₹-18.8K Cr | ₹-16.0K Cr | ₹-13.2K Cr | — |
| Total Assets | ₹83.8K Cr | ₹105.1K Cr | ₹123.7K Cr | ₹144.1K Cr | ₹158.6K Cr | +17.3% |
| Total Debt | ₹54.1K Cr | ₹76.5K Cr | ₹93.2K Cr | ₹108.2K Cr | ₹114.2K Cr | +20.6% |
| Shareholders' Equity | ₹16.9K Cr | ₹18.6K Cr | ₹19.9K Cr | ₹21.5K Cr | ₹26.6K Cr | +12.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
M%26MFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 HUDCO Housing & Urban Development Corporation Limited | -24.7% | 49 | Near Fair Value | 18.4% | 7.9× |
 PIRAMALFIN Piramal Finance Limited | +61.6% | 40 | Below Fair Value | 5.3% | — |
 IREDA Indian Renewable Energy Development Agency Limited | -31.4% | 50 | Above Fair Value | 16.5% | — |
 POONAWALLA Poonawalla Fincorp Limited | -5.1% | 28 | Near Fair Value | 5.2% | — |
 SUNDARMFIN Sundaram Finance Limited | -29.0% | 51 | Above Fair Value | 13.8% | — |
Click a ticker to view its fair-value analysis.
Dividend History
9 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹22.75/sh
Last payout
2025-07-15
₹6.50
Peak payout
₹6.50
Trailing yield
2.31%
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Mahindra & Mahindra Financial Services Limited (M&MFIN.NS) trades at 280.85 vs a model fair value of 390.09, a gap of 38.9%. Piotroski F-...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of M%26MFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
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BSE filings + news for M%26MFIN →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse M%26MFINNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.