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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - IRFC
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs IRFC - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | IRFC | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ IRFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 17.2 | 36.6 | 47.2% | View Chart |
| P/BV | x | 1.8 | 5.2 | 34.0% | View Chart |
| Dividend Yield | % | 2.3 | 0.8 | 273.2% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  IRFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
IRFC Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ IRFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 37 | 733.2% | |
| Low | Rs | 158 | 19 | 819.9% | |
| Income per share (Unadj.) | Rs | 102.9 | 18.3 | 563.1% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 4.8 | 346.5% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | 4.9 | 1,480.9% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 1.50 | 400.0% | |
| Avg Dividend yield | % | 2.8 | 5.3 | 52.4% | |
| Book value per share (Unadj.) | Rs | 150.1 | 34.8 | 431.5% | |
| Shares outstanding (eoy) | m | 1,233.60 | 13,068.51 | 9.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 1.5 | 135.5% | |
| Avg P/E ratio | x | 12.8 | 5.8 | 220.2% | |
| Avg P/CF ratio | x | 12.7 | 5.7 | 221.2% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.8 | 176.8% | |
| Dividend payout | % | 35.7 | 30.9 | 115.5% | |
| Avg Mkt Cap | Rs m | 265,378 | 368,532 | 72.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 131 | 16,148.8% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 126,995 | 238,918 | 53.2% | |
| Other income | Rs m | 15,570 | 408 | 3,816.4% | |
| Interest expense | Rs m | 50,943 | 174,472 | 29.2% | |
| Net interest income | Rs m | 76,052 | 64,446 | 118.0% | |
| Operating expense | Rs m | 61,198 | 1,343 | 4,555.3% | |
| Gross profit | Rs m | 14,854 | 63,103 | 23.5% | |
| Gross profit margin | % | 11.7 | 26.4 | 44.3% | |
| Provisions/contingencies | Rs m | 248 | 1,048 | 23.7% | |
| Profit before tax | Rs m | 28,038 | 63,370 | 44.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 12 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,326 | 0 | - | |
| Profit after tax | Rs m | 20,724 | 63,370 | 32.7% | |
| Net profit margin | % | 16.3 | 26.5 | 61.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 34,811 | 0 | - | |
| Deposits | Rs m | 54,587 | 0 | - | |
| Credit/Deposit ratio | x | 63.8 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.8 | 0 | - | |
| Net Interest Margin | % | 50.1 | 86.7 | 57.8% | |
| Net fixed assets | Rs m | 8,706 | 192 | 4,537.0% | |
| Share capital | Rs m | 2,467 | 130,685 | 1.9% | |
| Free reserves | Rs m | 182,732 | 324,018 | 56.4% | |
| Net worth | Rs m | 185,199 | 454,703 | 40.7% | |
| Borrowings | Rs m | 50,384 | 0 | - | |
| Investments | Rs m | 116,974 | 74,362 | 157.3% | |
| Total assets | Rs m | 1,043,390 | 4,911,467 | 21.2% | |
| Debt/equity ratio | x | 0.6 | 0 | - | |
| Return on assets | % | 2.0 | 1.3 | 153.9% | |
| Return on equity | % | 11.2 | 13.9 | 80.3% | |
| Capital adequacy ratio | % | 22.5 | 512.0 | 4.4% | |
| Net NPAs | % | 1.9 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | -285,838 | 60.9% | |
| From Investments | Rs m | -16,354 | 1 | -1,797,109.9% | |
| From Financial Activity | Rs m | 188,520 | 286,433 | 65.8% | |
| Net Cashflow | Rs m | -1,787 | 595 | -300.1% | |
Share Holding
| Indian Promoters | % | 52.2 | 86.4 | 60.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 40.6 | 2.0 | 2,059.4% | |
| FIIs | % | 12.0 | 1.1 | 1,106.5% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 13.6 | 350.7% | |
| Shareholders | 227,512 | 4,526,341 | 5.0% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: CHOLAMANDALAM INVEST BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT SBI CARDS EDELWEISS FINANCIAL
More on M&M Financial vs IRFC
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
M&M Financial vs IRFC Share Price Performance
| Period | M&M Financial | IRFC |
|---|---|---|
| 1-Day | -0.38% | 3.78% |
| 1-Month | -5.56% | 24.74% |
| 1-Year | -6.98% | 438.66% |
| 3-Year CAGR | 18.01% | 97.45% |
| 5-Year CAGR | 1.43% | 48.55% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the IRFC share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of IRFC the stake stands at 86.4%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of M&M Financial and the shareholding pattern of IRFC.
Finally, a word on dividends...
In the most recent financial year, M&M Financial paid a dividend of Rs 6.0 per share. This amounted to a Dividend Payout ratio of 35.7%.
IRFC paid Rs 1.5, and its dividend payout ratio stood at 30.9%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of IRFC.
For a sector overview, read our finance sector report.
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