Mahindra & Mahindra Financial Services Limited
M%26MFIN · NBFC · NSE
₹295
Current Market Price
Fair Value (DCF)
₹710
Margin of Safety
+140.6%
Updated just now
YieldIQ Score
55/100
Piotroski F-Score
3/9
Economic Moat
Narrow
Confidence
19%
ROE
10.5%
Debt/Equity
0.00
WACC
11.0%
Market Cap
₹0.41 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.07×
Revenue per ₹ of assets
Revenue CAGR (3Y)
10.6%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹294.95
Bear case
₹496.81
MoS +40.6%
Base case
₹709.73
MoS +58.4%
Bull case
₹993.62
MoS +70.3%
Ratio Trends
M%26MFIN · last 4 annual periods
ROE
10.5%
ROCE
—
Operating Margin
—
Debt / Equity
5.02×
PE
15.5×
EV / EBITDA
—
Historical Financials
M%26MFIN · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹6824 Cr | ₹7394 Cr | ₹8137 Cr | ₹9065 Cr | +9.9% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹1137 Cr | ₹2072 Cr | ₹1933 Cr | ₹2262 Cr | +25.8% |
| EPS (diluted) | — | — | — | — | — |
| CFO | ₹18.1 Cr | ₹-17.4K Cr | ₹-18.4K Cr | ₹-15.6K Cr | — |
| CapEx | ₹-301 Cr | ₹-413 Cr | ₹-323 Cr | ₹-442 Cr | — |
| FCF | ₹-283 Cr | ₹-17.8K Cr | ₹-18.8K Cr | ₹-16.0K Cr | — |
| Total Assets | ₹83.8K Cr | ₹105.1K Cr | ₹123.7K Cr | ₹144.1K Cr | +19.8% |
| Total Debt | ₹54.1K Cr | ₹76.5K Cr | ₹93.2K Cr | ₹108.2K Cr | +26.0% |
| Shareholders' Equity | ₹17.0K Cr | ₹18.7K Cr | ₹20.0K Cr | ₹21.6K Cr | +8.2% |
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 HUDCO | — | — | Pending | 15.1% | — |
| PIRAMALFIN PIRAMALFIN | — | — | Pending | -4.0% | — |
| IREDA IREDA | — | — | Pending | 16.5% | — |
| POONAWALLA POONAWALLA | — | — | Pending | -1.2% | — |
| SUNDARMFIN SUNDARMFIN | — | — | Pending | 14.2% | — |
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
2.20%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Mahindra & Mahindra Financial Services Limited (M&MFIN.NS) trades at 294.95 vs a model fair value of 709.73, a gap of 140.6%. Piotroski F...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of M%26MFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
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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.