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CSL FINANCE vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

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Current Valuations

    CSL FINANCE MAHINDRA & MAHINDRA FINANCIAL SERVICES CSL FINANCE/
MAHINDRA & MAHINDRA FINANCIAL SERVICES
 
P/E (TTM) x 18.5 16.9 109.5% View Chart
P/BV x 2.9 1.7 168.6% View Chart
Dividend Yield % 0.5 2.3 23.4%  

Financials

 CSL FINANCE   MAHINDRA & MAHINDRA FINANCIAL SERVICES
EQUITY SHARE DATA
    CSL FINANCE
Mar-23
MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
CSL FINANCE/
MAHINDRA & MAHINDRA FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs305272 112.1%   
Low Rs170158 107.4%   
Income per share (Unadj.) Rs57.9102.9 56.3%  
Earnings per share (Unadj.) Rs22.516.8 134.2%  
Cash flow per share (Unadj.) Rs33.072.1 45.8%  
Dividends per share (Unadj.) Rs2.506.00 41.7%  
Avg Dividend yield %1.12.8 37.8%  
Book value per share (Unadj.) Rs177.9150.1 118.5%  
Shares outstanding (eoy) m20.241,233.60 1.6%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.12.1 196.1%   
Avg P/E ratio x10.512.8 82.2%  
Avg P/CF ratio x7.112.7 55.8%  
Avg Price/Bookvalue ratio x1.31.4 93.1%  
Dividend payout %11.135.7 31.0%   
Avg Mkt Cap Rs m4,804265,378 1.8%   
No. of employees `000NANA-   
Total wages & salary Rs m15821,153 0.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1,172126,995 0.9%  
Other income Rs m315,570 0.0%   
Interest expense Rs m27250,943 0.5%   
Net interest income Rs m90176,052 1.2%  
Operating expense Rs m27861,198 0.5%   
Gross profit Rs m62314,854 4.2%  
Gross profit margin %53.111.7 454.1%  
Provisions/contingencies Rs m225248 90.4%   
Profit before tax Rs m61528,038 2.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m012 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1597,326 2.2%   
Profit after tax Rs m45620,724 2.2%  
Net profit margin %38.916.3 238.5%  
BALANCE SHEET DATA
Advances Rs m034,811 0.0%   
Deposits Rs m054,587 0.0%  
Credit/Deposit ratio x063.8- 
Yield on advances %00-  
Cost of deposits %09.8-  
Net Interest Margin %93,815.050.1 187,235.9%  
Net fixed assets Rs m748,706 0.8%   
Share capital Rs m2022,467 8.2%   
Free reserves Rs m3,397182,732 1.9%   
Net worth Rs m3,600185,199 1.9%   
Borrowings Rs m31550,384 0.6%   
Investments Rs m1116,974 0.0%   
Total assets Rs m7,7761,043,390 0.7%  
Debt/equity ratio x0.10.6 15.4%   
Return on assets %5.92.0 295.4%  
Return on equity %12.711.2 113.3%  
Capital adequacy ratio %49.922.5 221.5%  
Net NPAs %0.41.9 18.7%  
CASH FLOW
From Operations Rs m-1,665-173,953 1.0%  
From Investments Rs m-21-16,354 0.1%  
From Financial Activity Rs m1,960188,520 1.0%  
Net Cashflow Rs m273-1,787 -15.3%  

Share Holding

Indian Promoters % 47.7 52.2 91.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 3.5 40.6 8.5%  
FIIs % 2.2 12.0 18.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 52.3 47.8 109.3%  
Shareholders   7,057 227,512 3.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CSL FINANCE With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on CONSOLIDATED SEC. 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:

CONSOLIDATED SEC. vs M&M Financial Share Price Performance

Period CONSOLIDATED SEC. M&M Financial
1-Day 0.19% 0.21%
1-Month 1.28% -5.57%
1-Year 119.62% 2.95%
3-Year CAGR 79.48% 16.58%
5-Year CAGR 36.94% 0.51%

* Compound Annual Growth Rate

Here are more details on the CONSOLIDATED SEC. share price and the M&M Financial share price.

Moving on to shareholding structures...

The promoters of CONSOLIDATED SEC. hold a 47.7% 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 CONSOLIDATED SEC. and the shareholding pattern of M&M Financial.

Finally, a word on dividends...

In the most recent financial year, CONSOLIDATED SEC. paid a dividend of Rs 2.5 per share. This amounted to a Dividend Payout ratio of 11.1%.

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 CONSOLIDATED SEC., and the dividend history of M&M Financial.

For a sector overview, read our finance sector report.



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