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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - HERITAGE PAC
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs HERITAGE PAC - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | HERITAGE PAC | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ HERITAGE PAC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.9 | 10.4 | 162.4% | View Chart |
| P/BV | x | 1.7 | 1.1 | 159.1% | View Chart |
| Dividend Yield | % | 2.3 | 0.6 | 384.8% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  HERITAGE PAC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
HERITAGE PAC Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ HERITAGE PAC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 145 | 187.4% | |
| Low | Rs | 158 | 86 | 183.8% | |
| Income per share (Unadj.) | Rs | 102.9 | 57.2 | 180.0% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 19.8 | 84.7% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | 42.0 | 171.8% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 1.20 | 500.0% | |
| Avg Dividend yield | % | 2.8 | 1.0 | 268.7% | |
| Book value per share (Unadj.) | Rs | 150.1 | 183.5 | 81.8% | |
| Shares outstanding (eoy) | m | 1,233.60 | 3.45 | 35,756.5% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 2.0 | 103.4% | |
| Avg P/E ratio | x | 12.8 | 5.8 | 219.7% | |
| Avg P/CF ratio | x | 12.7 | 4.0 | 318.2% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.6 | 227.4% | |
| Dividend payout | % | 35.7 | 6.0 | 590.5% | |
| Avg Mkt Cap | Rs m | 265,378 | 399 | 66,526.2% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 29 | 74,066.2% | |
| 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 | 197 | 64,366.6% | |
| Other income | Rs m | 15,570 | 15 | 106,208.7% | |
| Interest expense | Rs m | 50,943 | 33 | 153,027.9% | |
| Net interest income | Rs m | 76,052 | 164 | 46,373.4% | |
| Operating expense | Rs m | 61,198 | 88 | 69,346.1% | |
| Gross profit | Rs m | 14,854 | 76 | 19,607.2% | |
| Gross profit margin | % | 11.7 | 38.4 | 30.5% | |
| Provisions/contingencies | Rs m | 248 | 32 | 780.2% | |
| Profit before tax | Rs m | 28,038 | 88 | 31,702.4% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 12 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,326 | 20 | 36,646.3% | |
| Profit after tax | Rs m | 20,724 | 68 | 30,276.1% | |
| Net profit margin | % | 16.3 | 34.7 | 47.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 34,811 | 885 | 3,933.8% | |
| Deposits | Rs m | 54,587 | 0 | - | |
| Credit/Deposit ratio | x | 63.8 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.8 | 0 | - | |
| Net Interest Margin | % | 50.1 | 18.4 | 271.9% | |
| Net fixed assets | Rs m | 8,706 | 14 | 62,408.6% | |
| Share capital | Rs m | 2,467 | 35 | 7,151.3% | |
| Free reserves | Rs m | 182,732 | 599 | 30,525.5% | |
| Net worth | Rs m | 185,199 | 633 | 29,251.8% | |
| Borrowings | Rs m | 50,384 | 284 | 17,757.0% | |
| Investments | Rs m | 116,974 | 5 | 2,275,766.5% | |
| Total assets | Rs m | 1,043,390 | 938 | 111,247.4% | |
| Debt/equity ratio | x | 0.6 | 0.4 | 126.5% | |
| Return on assets | % | 2.0 | 7.3 | 27.2% | |
| Return on equity | % | 11.2 | 10.8 | 103.5% | |
| Capital adequacy ratio | % | 22.5 | 67.8 | 33.2% | |
| Net NPAs | % | 1.9 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | -41 | 420,278.1% | |
| From Investments | Rs m | -16,354 | -3 | 509,461.1% | |
| From Financial Activity | Rs m | 188,520 | 39 | 477,748.6% | |
| Net Cashflow | Rs m | -1,787 | -5 | 34,756.8% | |
Share Holding
| Indian Promoters | % | 52.2 | 59.0 | 88.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 40.6 | 0.0 | - | |
| FIIs | % | 12.0 | 0.0 | - | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 41.0 | 116.8% | |
| Shareholders | 227,512 | 2,750 | 8,273.2% | ||
| 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 HERITAGE PAC
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 HERITAGE PAC Share Price Performance
| Period | M&M Financial | HERITAGE PAC |
|---|---|---|
| 1-Day | 0.21% | 3.38% |
| 1-Month | -5.57% | 3.92% |
| 1-Year | 2.95% | 80.99% |
| 3-Year CAGR | 16.58% | 37.98% |
| 5-Year CAGR | 0.51% | 14.75% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the HERITAGE PAC share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of HERITAGE PAC the stake stands at 59.0%.
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 HERITAGE PAC.
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%.
HERITAGE PAC paid Rs 1.2, and its dividend payout ratio stood at 6.0%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of HERITAGE PAC.
For a sector overview, read our finance sector report.
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