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HERITAGE PAC vs MAS FINANCIAL SERVICES - Comparison Results

Rs 100 invested in...

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Current Valuations

    HERITAGE PAC MAS FINANCIAL SERVICES HERITAGE PAC/
MAS FINANCIAL SERVICES
 
P/E (TTM) x 10.3 19.6 52.6% View Chart
P/BV x 1.1 3.1 34.7% View Chart
Dividend Yield % 0.6 1.3 47.8%  

Financials

 HERITAGE PAC   MAS FINANCIAL SERVICES
EQUITY SHARE DATA
    HERITAGE PAC
Mar-23
MAS FINANCIAL SERVICES
Mar-23
HERITAGE PAC/
MAS FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs145938 15.5%   
Low Rs86485 17.8%   
Income per share (Unadj.) Rs57.2180.7 31.6%  
Earnings per share (Unadj.) Rs19.837.2 53.4%  
Cash flow per share (Unadj.) Rs42.083.4 50.4%  
Dividends per share (Unadj.) Rs1.203.65 32.9%  
Avg Dividend yield %1.00.5 202.3%  
Book value per share (Unadj.) Rs183.5277.8 66.1%  
Shares outstanding (eoy) m3.4554.66 6.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.03.9 51.3%   
Avg P/E ratio x5.819.1 30.5%  
Avg P/CF ratio x4.016.5 24.1%  
Avg Price/Bookvalue ratio x0.62.6 24.6%  
Dividend payout %6.09.8 61.6%   
Avg Mkt Cap Rs m39938,899 1.0%   
No. of employees `000NANA-   
Total wages & salary Rs m29707 4.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m1979,878 2.0%  
Other income Rs m1536 41.1%   
Interest expense Rs m334,975 0.7%   
Net interest income Rs m1644,903 3.3%  
Operating expense Rs m882,195 4.0%   
Gross profit Rs m762,708 2.8%  
Gross profit margin %38.427.4 140.1%  
Provisions/contingencies Rs m32329 9.7%   
Profit before tax Rs m882,717 3.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-26 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m20658 3.0%   
Profit after tax Rs m682,033 3.4%  
Net profit margin %34.720.6 168.6%  
BALANCE SHEET DATA
Advances Rs m88562,462 1.4%   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-   
Cost of deposits %00-  
Net Interest Margin %18.47.0 264.5%  
Net fixed assets Rs m14169 8.3%   
Share capital Rs m35547 6.3%   
Free reserves Rs m59914,640 4.1%   
Net worth Rs m63315,187 4.2%   
Borrowings Rs m28413,248 2.1%   
Investments Rs m57,917 0.1%   
Total assets Rs m93883,115 1.1%  
Debt/equity ratio x0.40.9 51.4%   
Return on assets %7.32.4 298.4%  
Return on equity %10.813.4 80.8%  
Capital adequacy ratio %67.825.3 268.4%  
Net NPAs %01.4 0.0%  
CASH FLOW
From Operations Rs m-41-14,880 0.3%  
From Investments Rs m-3-2,420 0.1%  
From Financial Activity Rs m3916,840 0.2%  
Net Cashflow Rs m-5-460 1.1%  

Share Holding

Indian Promoters % 59.0 73.7 80.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 16.2 -  
FIIs % 0.0 1.8 -  
ADR/GDR % 0.0 0.0 -  
Free float % 41.0 26.3 156.0%  
Shareholders   2,750 44,544 6.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

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


More on HERITAGE PAC vs MAS FINANCIAL SERVICES

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

Here's a brief comparison:

HERITAGE PAC vs MAS FINANCIAL SERVICES Share Price Performance

Period HERITAGE PAC MAS FINANCIAL SERVICES
1-Day 4.40% 0.38%
1-Month 4.13% 0.19%
1-Year 69.16% 23.17%
3-Year CAGR 34.19% 3.84%
5-Year CAGR 15.36% 7.60%

* Compound Annual Growth Rate

Here are more details on the HERITAGE PAC share price and the MAS FINANCIAL SERVICES share price.

Moving on to shareholding structures...

The promoters of HERITAGE PAC hold a 59.0% stake in the company. In case of MAS FINANCIAL SERVICES the stake stands at 73.7%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of HERITAGE PAC and the shareholding pattern of MAS FINANCIAL SERVICES.

Finally, a word on dividends...

In the most recent financial year, HERITAGE PAC paid a dividend of Rs 1.2 per share. This amounted to a Dividend Payout ratio of 6.0%.

MAS FINANCIAL SERVICES paid Rs 3.7, and its dividend payout ratio stood at 9.8%.

You may visit here to review the dividend history of HERITAGE PAC, and the dividend history of MAS FINANCIAL SERVICES.



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