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- GRUH FINANCE - MAHINDRA & MAHINDRA FINANCIAL SERVICES
GRUH FINANCE vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results
Current Valuations
| GRUH FINANCE | MAHINDRA & MAHINDRA FINANCIAL SERVICES | GRUH FINANCE/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 52.0 | 18.8 | 276.9% | View Chart |
| P/BV | x | 12.4 | 1.9 | 644.5% | View Chart |
| Dividend Yield | % | 0.6 | 2.1 | 30.3% |
Financials
 GRUH FINANCE  MAHINDRA & MAHINDRA FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| GRUH FINANCE Mar-19 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
GRUH FINANCE/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 382 | 272 | 140.4% | |
| Low | Rs | 205 | 158 | 129.3% | |
| Income per share (Unadj.) | Rs | 27.6 | 102.9 | 26.8% | |
| Earnings per share (Unadj.) | Rs | 6.1 | 16.8 | 36.3% | |
| Cash flow per share (Unadj.) | Rs | 10.1 | 72.1 | 14.0% | |
| Dividends per share (Unadj.) | Rs | 2.00 | 6.00 | 33.3% | |
| Avg Dividend yield | % | 0.7 | 2.8 | 24.5% | |
| Book value per share (Unadj.) | Rs | 25.6 | 150.1 | 17.1% | |
| Shares outstanding (eoy) | m | 733.69 | 1,233.60 | 59.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 10.6 | 2.1 | 508.2% | |
| Avg P/E ratio | x | 48.1 | 12.8 | 375.7% | |
| Avg P/CF ratio | x | 48.1 | 12.7 | 380.3% | |
| Avg Price/Bookvalue ratio | x | 11.4 | 1.4 | 798.3% | |
| Dividend payout | % | 32.8 | 35.7 | 91.9% | |
| Avg Mkt Cap | Rs m | 215,172 | 265,378 | 81.1% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 648 | 21,153 | 3.1% | |
| 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 | 20,262 | 126,995 | 16.0% | |
| Other income | Rs m | 216 | 15,570 | 1.4% | |
| Interest expense | Rs m | 13,012 | 50,943 | 25.5% | |
| Net interest income | Rs m | 7,250 | 76,052 | 9.5% | |
| Operating expense | Rs m | 1,282 | 61,198 | 2.1% | |
| Gross profit | Rs m | 5,968 | 14,854 | 40.2% | |
| Gross profit margin | % | 29.5 | 11.7 | 251.8% | |
| Provisions/contingencies | Rs m | 0 | 248 | 0.0% | |
| Profit before tax | Rs m | 6,150 | 28,038 | 21.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 12 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 1,678 | 7,326 | 22.9% | |
| Profit after tax | Rs m | 4,472 | 20,724 | 21.6% | |
| Net profit margin | % | 22.1 | 16.3 | 135.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 172,883 | 34,811 | 496.6% | |
| Deposits | Rs m | 0 | 54,587 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 63.8 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 9.8 | - | |
| Net Interest Margin | % | 3.9 | 50.1 | 7.9% | |
| Net fixed assets | Rs m | 151 | 8,706 | 1.7% | |
| Share capital | Rs m | 1,467 | 2,467 | 59.5% | |
| Free reserves | Rs m | 17,342 | 182,732 | 9.5% | |
| Net worth | Rs m | 18,809 | 185,199 | 10.2% | |
| Borrowings | Rs m | 150,129 | 50,384 | 298.0% | |
| Investments | Rs m | 10,945 | 116,974 | 9.4% | |
| Total assets | Rs m | 195,417 | 1,043,390 | 18.7% | |
| Debt/equity ratio | x | 8.0 | 0.6 | 1,408.2% | |
| Return on assets | % | 2.3 | 2.0 | 115.2% | |
| Return on equity | % | 23.8 | 11.2 | 212.5% | |
| Capital adequacy ratio | % | 20.3 | 22.5 | 90.1% | |
| Net NPAs | % | 0.4 | 1.9 | 18.7% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -14,322 | -173,953 | 8.2% | |
| From Investments | Rs m | 491 | -16,354 | -3.0% | |
| From Financial Activity | Rs m | 24,184 | 188,520 | 12.8% | |
| Net Cashflow | Rs m | 10,354 | -1,787 | -579.6% | |
Share Holding
| Indian Promoters | % | 47.4 | 52.2 | 90.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 30.8 | 39.7 | 77.7% | |
| FIIs | % | 18.7 | 12.7 | 147.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 52.6 | 47.8 | 109.9% | |
| Shareholders | 72,213 | 239,372 | 30.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare GRUH FINANCE With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS INDIABULLS HOU. FIN.
More on GRUH FINANCE 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:
GRUH FINANCE vs M&M Financial Share Price Performance
| Period | GRUH FINANCE | M&M Financial |
|---|---|---|
| 1-Day | 3.73% | -1.00% |
| 1-Month | 27.02% | 10.37% |
| 1-Year | 13.06% | 10.41% |
| 3-Year CAGR | 23.04% | 18.67% |
| 5-Year CAGR | 27.87% | 2.30% |
* Compound Annual Growth Rate
Here are more details on the GRUH FINANCE share price and the M&M Financial share price.
Moving on to shareholding structures...
The promoters of GRUH FINANCE hold a 47.4% 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 GRUH FINANCE and the shareholding pattern of M&M Financial.
Finally, a word on dividends...
In the most recent financial year, GRUH FINANCE paid a dividend of Rs 2.0 per share. This amounted to a Dividend Payout ratio of 32.8%.
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 GRUH FINANCE, and the dividend history of M&M Financial.
For a sector overview, read our finance sector report.
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