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CREDITACCESS GRAMEEN vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN MAHINDRA & MAHINDRA FINANCIAL SERVICES CREDITACCESS GRAMEEN/
MAHINDRA & MAHINDRA FINANCIAL SERVICES
 
P/E (TTM) x 17.1 18.2 93.8% View Chart
P/BV x 4.5 1.9 242.5% View Chart
Dividend Yield % 0.0 2.2 -  

Financials

 CREDITACCESS GRAMEEN   MAHINDRA & MAHINDRA FINANCIAL SERVICES
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
CREDITACCESS GRAMEEN/
MAHINDRA & MAHINDRA FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs1,154272 424.4%   
Low Rs834158 527.1%   
Income per share (Unadj.) Rs223.1102.9 216.7%  
Earnings per share (Unadj.) Rs52.016.8 309.4%  
Cash flow per share (Unadj.) Rs142.172.1 197.0%  
Dividends per share (Unadj.) Rs06.00 0.0%  
Avg Dividend yield %02.8 0.0%  
Book value per share (Unadj.) Rs320.2150.1 213.3%  
Shares outstanding (eoy) m158.911,233.60 12.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.52.1 213.3%   
Avg P/E ratio x19.112.8 149.4%  
Avg P/CF ratio x18.512.7 146.5%  
Avg Price/Bookvalue ratio x3.11.4 216.7%  
Dividend payout %035.7 0.0%   
Avg Mkt Cap Rs m157,989265,378 59.5%   
No. of employees `000NANA-   
Total wages & salary Rs m5,15221,153 24.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,451126,995 27.9%  
Other income Rs m5715,570 0.4%   
Interest expense Rs m12,16150,943 23.9%   
Net interest income Rs m23,29076,052 30.6%  
Operating expense Rs m11,79461,198 19.3%   
Gross profit Rs m11,49614,854 77.4%  
Gross profit margin %32.411.7 277.2%  
Provisions/contingencies Rs m265248 106.5%   
Profit before tax Rs m11,05428,038 39.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m012 0.0%   
Prior Period Items Rs m00-   
Tax Rs m2,7947,326 38.1%   
Profit after tax Rs m8,26120,724 39.9%  
Net profit margin %23.316.3 142.8%  
BALANCE SHEET DATA
Advances Rs m190,43334,811 547.1%   
Deposits Rs m054,587 0.0%  
Credit/Deposit ratio x063.8- 
Yield on advances %00-   
Cost of deposits %09.8-  
Net Interest Margin %11.650.1 23.2%  
Net fixed assets Rs m5,9908,706 68.8%   
Share capital Rs m1,5892,467 64.4%   
Free reserves Rs m49,287182,732 27.0%   
Net worth Rs m50,876185,199 27.5%   
Borrowings Rs m25350,384 0.5%   
Investments Rs m10,265116,974 8.8%   
Total assets Rs m225,3341,043,390 21.6%  
Debt/equity ratio x00.6 0.9%   
Return on assets %3.72.0 184.6%  
Return on equity %16.211.2 145.1%  
Capital adequacy ratio %23.622.5 104.7%  
Net NPAs %0.41.9 18.7%  
CASH FLOW
From Operations Rs m-32,898-173,953 18.9%  
From Investments Rs m-3,144-16,354 19.2%  
From Financial Activity Rs m33,651188,520 17.8%  
Net Cashflow Rs m-2,391-1,787 133.9%  

Share Holding

Indian Promoters % 0.0 52.2 -  
Foreign collaborators % 66.7 0.0 -  
Indian inst/Mut Fund % 27.8 39.7 70.0%  
FIIs % 12.0 12.7 94.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 33.3 47.8 69.7%  
Shareholders   57,989 239,372 24.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDIABULLS HOU. FIN.    


More on CREDITACCESS GRAMEEN vs M&M Financial

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CREDITACCESS GRAMEEN vs M&M Financial Share Price Performance

Period CREDITACCESS GRAMEEN M&M Financial
1-Day 1.46% 1.68%
1-Month -2.26% -0.96%
1-Year 60.71% 25.87%
3-Year CAGR 28.43% 11.68%
5-Year CAGR 23.56% 1.26%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the M&M Financial share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.7% stake in the company. In case of M&M Financial the stake stands at 52.2%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CREDITACCESS GRAMEEN and the shareholding pattern of M&M Financial.

Finally, a word on dividends...

In the most recent financial year, CREDITACCESS GRAMEEN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

M&M Financial paid Rs 6.0, and its dividend payout ratio stood at 35.7%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of M&M Financial.

For a sector overview, read our finance sector report.



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