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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - BENGAL & ASSAM
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs BENGAL & ASSAM - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | BENGAL & ASSAM | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ BENGAL & ASSAM |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.9 | 2.6 | 637.7% | View Chart |
| P/BV | x | 1.7 | 1.7 | 100.4% | View Chart |
| Dividend Yield | % | 2.3 | 0.3 | 778.0% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  BENGAL & ASSAM |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
BENGAL & ASSAM Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ BENGAL & ASSAM |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 4,662 | 5.8% | |
| Low | Rs | 158 | 2,161 | 7.3% | |
| Income per share (Unadj.) | Rs | 102.9 | 14,594.4 | 0.7% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 829.8 | 2.0% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | 13,658.5 | 0.5% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 25.00 | 24.0% | |
| Avg Dividend yield | % | 2.8 | 0.7 | 380.6% | |
| Book value per share (Unadj.) | Rs | 150.1 | 4,879.1 | 3.1% | |
| Shares outstanding (eoy) | m | 1,233.60 | 11.30 | 10,916.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 0.2 | 894.3% | |
| Avg P/E ratio | x | 12.8 | 4.1 | 311.6% | |
| Avg P/CF ratio | x | 12.7 | 2.5 | 511.8% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.7 | 205.0% | |
| Dividend payout | % | 35.7 | 3.0 | 1,185.9% | |
| Avg Mkt Cap | Rs m | 265,378 | 38,537 | 688.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 14,508 | 145.8% | |
| 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 | 126,995 | 164,916 | 77.0% | |
| Other income | Rs m | 15,570 | 835 | 1,864.4% | |
| Interest expense | Rs m | 50,943 | 4,878 | 1,044.2% | |
| Net interest income | Rs m | 76,052 | 160,038 | 47.5% | |
| Operating expense | Rs m | 61,198 | 149,030 | 41.1% | |
| Gross profit | Rs m | 14,854 | 11,008 | 134.9% | |
| Gross profit margin | % | 11.7 | 6.7 | 175.2% | |
| Provisions/contingencies | Rs m | 248 | 6,209 | 4.0% | |
| Profit before tax | Rs m | 28,038 | 6,670 | 420.3% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 12 | -1,329 | -0.9% | |
| Prior Period Items | Rs m | 0 | 6,179 | 0.0% | |
| Tax | Rs m | 7,326 | 2,142 | 341.9% | |
| Profit after tax | Rs m | 20,724 | 9,377 | 221.0% | |
| Net profit margin | % | 16.3 | 5.7 | 287.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 34,811 | 0 | - | |
| Deposits | Rs m | 54,587 | 1,229 | 4,442.9% | |
| Credit/Deposit ratio | x | 63.8 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.8 | 0 | - | |
| Net Interest Margin | % | 50.1 | 439.9 | 11.4% | |
| Net fixed assets | Rs m | 8,706 | 69,027 | 12.6% | |
| Share capital | Rs m | 2,467 | 113 | 2,184.1% | |
| Free reserves | Rs m | 182,732 | 55,021 | 332.1% | |
| Net worth | Rs m | 185,199 | 55,134 | 335.9% | |
| Borrowings | Rs m | 50,384 | 21,272 | 236.9% | |
| Investments | Rs m | 116,974 | 36,385 | 321.5% | |
| Total assets | Rs m | 1,043,390 | 172,260 | 605.7% | |
| Debt/equity ratio | x | 0.6 | 0.5 | 104.8% | |
| Return on assets | % | 2.0 | 5.4 | 36.5% | |
| Return on equity | % | 11.2 | 17.0 | 65.8% | |
| Capital adequacy ratio | % | 22.5 | 0 | - | |
| Net NPAs | % | 1.9 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | 14,373 | -1,210.3% | |
| From Investments | Rs m | -16,354 | -6,502 | 251.5% | |
| From Financial Activity | Rs m | 188,520 | -7,782 | -2,422.7% | |
| Net Cashflow | Rs m | -1,787 | 119 | -1,505.2% | |
Share Holding
| Indian Promoters | % | 52.2 | 73.0 | 71.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 40.6 | 4.3 | 939.1% | |
| FIIs | % | 12.0 | 4.3 | 277.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 27.0 | 177.3% | |
| Shareholders | 227,512 | 21,019 | 1,082.4% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
More on M&M Financial vs BENGAL & ASSAM
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
M&M Financial vs BENGAL & ASSAM Share Price Performance
| Period | M&M Financial | BENGAL & ASSAM |
|---|---|---|
| 1-Day | 0.21% | 0.37% |
| 1-Month | -5.57% | 7.55% |
| 1-Year | 2.95% | 135.10% |
| 3-Year CAGR | 16.58% | 84.45% |
| 5-Year CAGR | 0.51% | 38.75% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the BENGAL & ASSAM share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of BENGAL & ASSAM the stake stands at 73.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of M&M Financial and the shareholding pattern of BENGAL & ASSAM.
Finally, a word on dividends...
In the most recent financial year, M&M Financial paid a dividend of Rs 6.0 per share. This amounted to a Dividend Payout ratio of 35.7%.
BENGAL & ASSAM paid Rs 25.0, and its dividend payout ratio stood at 3.0%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of BENGAL & ASSAM.
For a sector overview, read our finance sector report.
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