MAS FINANCIAL SERV LTD
MASFIN · General/Diversified · NSE
₹297
Current Market Price
Fair Value (P/B + Residual Income)
₹348
Discount to FV
+17.1%
Updated 1h ago
YieldIQ Score
65/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
11%
ROE
12.5%
Debt/Equity
3.47
Cost of Equity
11.1%
Market Cap
₹5,389 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
3.4%
Return on capital employed
Revenue CAGR (3Y)
31.5%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹297
Bear case
Discount -21.0%
Base case
Discount +14.6%
Bull case
Discount +34.0%
Ratio Trends
MASFIN · last 8 annual periods
ROE
12.5%
ROCE
3.4%
Operating Margin
—
Debt / Equity
3.47×
PE
23.9×
EV / EBITDA
34.6×
Historical Financials
MASFIN · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹690 Cr | ₹775 Cr | ₹1008 Cr | ₹1446 Cr | ₹1760 Cr | +26.4% |
| EBITDA | ₹248 Cr | ₹311 Cr | ₹344 Cr | ₹400 Cr | ₹455 Cr | +16.3% |
| EBIT | ₹555 Cr | ₹768 Cr | ₹986 Cr | — | — | +15.5% |
| PAT | ₹161 Cr | ₹203 Cr | ₹251 Cr | ₹310 Cr | ₹371 Cr | +23.2% |
| EPS (diluted) | ₹29.14 | ₹37.18 | ₹15.31 | — | — | -14.9% |
| CFO | ₹-802 Cr | ₹-1426 Cr | ₹-1366 Cr | ₹-1123 Cr | ₹-1787 Cr | — |
| CapEx | ₹-5.3 Cr | ₹-10.9 Cr | ₹-22.3 Cr | ₹-29.5 Cr | ₹-91.7 Cr | — |
| FCF | ₹-811 Cr | ₹-1437 Cr | ₹-1388 Cr | ₹-1153 Cr | ₹-1878 Cr | — |
| Total Assets | ₹6309 Cr | ₹8015 Cr | ₹9547 Cr | ₹12.2K Cr | ₹13.7K Cr | +21.5% |
| Total Debt | ₹3940 Cr | ₹6128 Cr | ₹7426 Cr | ₹9156 Cr | ₹10.3K Cr | +27.2% |
| Shareholders' Equity | ₹1350 Cr | ₹1519 Cr | ₹1783 Cr | ₹2609 Cr | ₹2974 Cr | +21.8% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
MASFIN vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 FEDFINA FEDBANK FINANCIAL SER L | +160.8% | 40 | Data Limited | 12.6% | — |
 SBFC SBFC | — | — | Pending | 10.8% | — |
 FIVESTAR FIVESTAR | — | — | Pending | 14.9% | — |
 IFCI IFCI | — | — | Pending | 2.0% | 71.3× |
 CGCL CGCL | — | — | Pending | 13.2% | 16.9× |
Click a ticker to view its fair-value analysis.
Dividend History
16 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹7.18/sh
Last payout
2026-02-04
₹1.25
Peak payout
₹2.00
Trailing yield
0.66%
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. MAS FINANCIAL SERV LTD (MASFIN.NS) trades at 297.00 vs a model fair value of 347.79, a gap of 17.1%. Piotroski F-score: 4/9. Moat label: ...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of MASFIN →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for MASFIN →
Compare
Head-to-head with peers
Compare MASFIN side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse MASFINNow →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.