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MAS FINANCIAL SERVICES vs PNB HOUSING FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    MAS FINANCIAL SERVICES PNB HOUSING FINANCE MAS FINANCIAL SERVICES/
PNB HOUSING FINANCE
 
P/E (TTM) x 19.4 12.1 159.8% View Chart
P/BV x 3.1 1.5 206.0% View Chart
Dividend Yield % 1.3 0.0 -  

Financials

 MAS FINANCIAL SERVICES   PNB HOUSING FINANCE
EQUITY SHARE DATA
    MAS FINANCIAL SERVICES
Mar-23
PNB HOUSING FINANCE
Mar-23
MAS FINANCIAL SERVICES/
PNB HOUSING FINANCE
5-Yr Chart
Click to enlarge
High Rs938654 143.4%   
Low Rs485312 155.4%   
Income per share (Unadj.) Rs180.7386.6 46.8%  
Earnings per share (Unadj.) Rs37.261.9 60.0%  
Cash flow per share (Unadj.) Rs83.4218.8 38.1%  
Dividends per share (Unadj.) Rs3.650-  
Avg Dividend yield %0.50-  
Book value per share (Unadj.) Rs277.8649.3 42.8%  
Shares outstanding (eoy) m54.66168.86 32.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x3.91.2 315.1%   
Avg P/E ratio x19.17.8 245.4%  
Avg P/CF ratio x16.57.7 213.2%  
Avg Price/Bookvalue ratio x2.60.7 344.2%  
Dividend payout %9.80-   
Avg Mkt Cap Rs m38,89981,578 47.7%   
No. of employees `000NANA-   
Total wages & salary Rs m7072,660 26.6%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m9,87865,273 15.1%  
Other income Rs m3611,284 0.3%   
Interest expense Rs m4,97539,000 12.8%   
Net interest income Rs m4,90326,274 18.7%  
Operating expense Rs m2,19523,435 9.4%   
Gross profit Rs m2,7082,839 95.4%  
Gross profit margin %27.44.3 630.2%  
Provisions/contingencies Rs m32997 340.2%   
Profit before tax Rs m2,71713,609 20.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-260-   
Prior Period Items Rs m00-   
Tax Rs m6583,149 20.9%   
Profit after tax Rs m2,03310,460 19.4%  
Net profit margin %20.616.0 128.4%  
BALANCE SHEET DATA
Advances Rs m62,462578,398 10.8%   
Deposits Rs m0155,133 0.0%  
Credit/Deposit ratio x0372.8- 
Yield on advances %00-   
Cost of deposits %08.5-  
Net Interest Margin %7.04.3 161.9%  
Net fixed assets Rs m1691,458 11.6%   
Share capital Rs m5471,689 32.4%   
Free reserves Rs m14,640107,948 13.6%   
Net worth Rs m15,187109,637 13.9%   
Borrowings Rs m13,24863,876 20.7%   
Investments Rs m7,91732,256 24.5%   
Total assets Rs m83,115668,246 12.4%  
Debt/equity ratio x0.92.0 43.7%   
Return on assets %2.41.6 156.2%  
Return on equity %13.49.5 140.3%  
Capital adequacy ratio %25.324.4 103.4%  
Net NPAs %1.42.8 49.3%  
CASH FLOW
From Operations Rs m-14,880-18,650 79.8%  
From Investments Rs m-2,4201,758 -137.7%  
From Financial Activity Rs m16,8403,015 558.6%  
Net Cashflow Rs m-460-13,878 3.3%  

Share Holding

Indian Promoters % 73.7 28.1 262.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.1 32.6 30.9%  
FIIs % 1.6 24.7 6.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 26.3 71.9 36.6%  
Shareholders   31,514 124,656 25.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare MAS FINANCIAL SERVICES With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on MAS FINANCIAL SERVICES vs PNB HOUSING FINANCE

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

Here's a brief comparison:

MAS FINANCIAL SERVICES vs PNB HOUSING FINANCE Share Price Performance

Period MAS FINANCIAL SERVICES PNB HOUSING FINANCE
1-Day 1.88% -0.22%
1-Month -12.32% -10.43%
1-Year 10.93% 29.42%
3-Year CAGR -0.12% 18.17%
5-Year CAGR 8.91% -5.37%

* Compound Annual Growth Rate

Here are more details on the MAS FINANCIAL SERVICES share price and the PNB HOUSING FINANCE share price.

Moving on to shareholding structures...

The promoters of MAS FINANCIAL SERVICES hold a 73.7% stake in the company. In case of PNB HOUSING FINANCE the stake stands at 28.1%.

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

Finally, a word on dividends...

In the most recent financial year, MAS FINANCIAL SERVICES paid a dividend of Rs 3.7 per share. This amounted to a Dividend Payout ratio of 9.8%.

PNB HOUSING FINANCE paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of MAS FINANCIAL SERVICES, and the dividend history of PNB HOUSING FINANCE.

For a sector overview, read our finance sector report.



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