MAHINDRA & MAHINDRA FINANCIAL SERVICES | UJJIVAN FINANCIAL SERVICES | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ UJJIVAN FINANCIAL SERVICES |
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P/E (TTM) | x | 17.3 | 6.4 | 269.9% | View Chart |
P/BV | x | 1.8 | 2.3 | 77.6% | View Chart |
Dividend Yield | % | 2.3 | 0.8 | 267.8% |
MAHINDRA & MAHINDRA FINANCIAL SERVICES UJJIVAN FINANCIAL SERVICES |
EQUITY SHARE DATA | |||||
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MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
UJJIVAN FINANCIAL SERVICES Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ UJJIVAN FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
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High | Rs | 272 | 313 | 86.8% | |
Low | Rs | 158 | 103 | 153.8% | |
Income per share (Unadj.) | Rs | 102.9 | 363.4 | 28.3% | |
Earnings per share (Unadj.) | Rs | 16.8 | 73.2 | 22.9% | |
Cash flow per share (Unadj.) | Rs | 72.1 | 226.8 | 31.8% | |
Dividends per share (Unadj.) | Rs | 6.00 | 5.00 | 120.0% | |
Avg Dividend yield | % | 2.8 | 2.4 | 116.1% | |
Book value per share (Unadj.) | Rs | 150.1 | 259.9 | 57.8% | |
Shares outstanding (eoy) | m | 1,233.60 | 121.68 | 1,013.8% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.1 | 0.6 | 364.9% | |
Avg P/E ratio | x | 12.8 | 2.8 | 450.5% | |
Avg P/CF ratio | x | 12.7 | 2.5 | 502.0% | |
Avg Price/Bookvalue ratio | x | 1.4 | 0.8 | 178.9% | |
Dividend payout | % | 35.7 | 6.8 | 522.9% | |
Avg Mkt Cap | Rs m | 265,378 | 25,321 | 1,048.0% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 21,153 | 9,298 | 227.5% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 126,995 | 44,213 | 287.2% | |
Other income | Rs m | 15,570 | 3,582 | 434.7% | |
Interest expense | Rs m | 50,943 | 14,931 | 341.2% | |
Net interest income | Rs m | 76,052 | 29,282 | 259.7% | |
Operating expense | Rs m | 61,198 | 15,928 | 384.2% | |
Gross profit | Rs m | 14,854 | 13,354 | 111.2% | |
Gross profit margin | % | 11.7 | 30.2 | 38.7% | |
Provisions/contingencies | Rs m | 248 | 1,138 | 21.8% | |
Profit before tax | Rs m | 28,038 | 15,308 | 183.2% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 12 | -2,496 | -0.5% | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 7,326 | 3,905 | 187.6% | |
Profit after tax | Rs m | 20,724 | 8,907 | 232.7% | |
Net profit margin | % | 16.3 | 20.1 | 81.0% |
BALANCE SHEET DATA | |||||
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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 | 33.9 | 147.9% | |
Net fixed assets | Rs m | 8,706 | 6,836 | 127.4% | |
Share capital | Rs m | 2,467 | 1,217 | 202.8% | |
Free reserves | Rs m | 182,732 | 30,405 | 601.0% | |
Net worth | Rs m | 185,199 | 31,622 | 585.7% | |
Borrowings | Rs m | 50,384 | 0 | - | |
Investments | Rs m | 116,974 | 86,441 | 135.3% | |
Total assets | Rs m | 1,043,390 | 351,533 | 296.8% | |
Debt/equity ratio | x | 0.6 | 0 | - | |
Return on assets | % | 2.0 | 2.5 | 78.4% | |
Return on equity | % | 11.2 | 28.2 | 39.7% | |
Capital adequacy ratio | % | 22.5 | 25.8 | 87.3% | |
Net NPAs | % | 1.9 | 0 | - |
CASH FLOW | |||||
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From Operations | Rs m | -173,953 | 20,727 | -839.3% | |
From Investments | Rs m | -16,354 | -45,541 | 35.9% | |
From Financial Activity | Rs m | 188,520 | 26,402 | 714.0% | |
Net Cashflow | Rs m | -1,787 | 1,587 | -112.6% |
Indian Promoters | % | 52.2 | 0.0 | - | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 40.6 | 42.7 | 95.0% | |
FIIs | % | 12.0 | 35.3 | 33.8% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 47.8 | 100.0 | 47.8% | |
Shareholders | 227,512 | 96,524 | 235.7% | ||
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
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | M&M Financial | UJJIVAN FINANCIAL SERVICES |
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1-Day | 0.08% | 2.74% |
1-Month | -5.13% | 9.85% |
1-Year | -6.55% | 109.49% |
3-Year CAGR | 18.19% | 43.13% |
5-Year CAGR | 1.52% | 12.86% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the UJJIVAN FINANCIAL SERVICES share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of UJJIVAN FINANCIAL SERVICES the stake stands at 0.0%.
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 UJJIVAN FINANCIAL SERVICES.
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%.
UJJIVAN FINANCIAL SERVICES paid Rs 5.0, and its dividend payout ratio stood at 6.8%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of UJJIVAN FINANCIAL SERVICES.
For a sector overview, read our finance sector report.
After opening the day lower, Indian share continued the momentum as the session progressed and ended the day lower.