MAHINDRA & MAHINDRA FINANCIAL SERVICES | PNB HOUSING FINANCE | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ PNB HOUSING FINANCE |
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P/E (TTM) | x | 16.9 | 15.1 | 111.4% | View Chart |
P/BV | x | 1.7 | 1.9 | 92.7% | View Chart |
Dividend Yield | % | 2.3 | 0.0 | - |
MAHINDRA & MAHINDRA FINANCIAL SERVICES PNB HOUSING FINANCE |
EQUITY SHARE DATA | |||||
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MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
PNB HOUSING FINANCE Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ PNB HOUSING FINANCE |
5-Yr Chart Click to enlarge
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High | Rs | 272 | 654 | 41.6% | |
Low | Rs | 158 | 312 | 50.7% | |
Income per share (Unadj.) | Rs | 102.9 | 386.6 | 26.6% | |
Earnings per share (Unadj.) | Rs | 16.8 | 61.9 | 27.1% | |
Cash flow per share (Unadj.) | Rs | 72.1 | 218.8 | 33.0% | |
Dividends per share (Unadj.) | Rs | 6.00 | 0 | - | |
Avg Dividend yield | % | 2.8 | 0 | - | |
Book value per share (Unadj.) | Rs | 150.1 | 649.3 | 23.1% | |
Shares outstanding (eoy) | m | 1,233.60 | 168.86 | 730.5% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.1 | 1.2 | 167.2% | |
Avg P/E ratio | x | 12.8 | 7.8 | 164.2% | |
Avg P/CF ratio | x | 12.7 | 7.7 | 163.7% | |
Avg Price/Bookvalue ratio | x | 1.4 | 0.7 | 192.6% | |
Dividend payout | % | 35.7 | 0 | - | |
Avg Mkt Cap | Rs m | 265,378 | 81,578 | 325.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 21,153 | 2,660 | 795.4% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 126,995 | 65,273 | 194.6% | |
Other income | Rs m | 15,570 | 11,284 | 138.0% | |
Interest expense | Rs m | 50,943 | 39,000 | 130.6% | |
Net interest income | Rs m | 76,052 | 26,274 | 289.5% | |
Operating expense | Rs m | 61,198 | 23,435 | 261.1% | |
Gross profit | Rs m | 14,854 | 2,839 | 523.2% | |
Gross profit margin | % | 11.7 | 4.3 | 268.9% | |
Provisions/contingencies | Rs m | 248 | 97 | 257.3% | |
Profit before tax | Rs m | 28,038 | 13,609 | 206.0% | |
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 | 3,149 | 232.6% | |
Profit after tax | Rs m | 20,724 | 10,460 | 198.1% | |
Net profit margin | % | 16.3 | 16.0 | 101.8% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 34,811 | 578,398 | 6.0% | |
Deposits | Rs m | 54,587 | 155,133 | 35.2% | |
Credit/Deposit ratio | x | 63.8 | 372.8 | 17.1% | |
Yield on advances | % | 0 | 0 | - | |
Cost of deposits | % | 9.8 | 8.5 | 115.6% | |
Net Interest Margin | % | 50.1 | 4.3 | 1,164.5% | |
Net fixed assets | Rs m | 8,706 | 1,458 | 597.2% | |
Share capital | Rs m | 2,467 | 1,689 | 146.1% | |
Free reserves | Rs m | 182,732 | 107,948 | 169.3% | |
Net worth | Rs m | 185,199 | 109,637 | 168.9% | |
Borrowings | Rs m | 50,384 | 63,876 | 78.9% | |
Investments | Rs m | 116,974 | 32,256 | 362.6% | |
Total assets | Rs m | 1,043,390 | 668,246 | 156.1% | |
Debt/equity ratio | x | 0.6 | 2.0 | 28.4% | |
Return on assets | % | 2.0 | 1.6 | 126.9% | |
Return on equity | % | 11.2 | 9.5 | 117.3% | |
Capital adequacy ratio | % | 22.5 | 24.4 | 92.2% | |
Net NPAs | % | 1.9 | 2.8 | 67.8% |
CASH FLOW | |||||
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From Operations | Rs m | -173,953 | -18,650 | 932.7% | |
From Investments | Rs m | -16,354 | 1,758 | -930.4% | |
From Financial Activity | Rs m | 188,520 | 3,015 | 6,253.3% | |
Net Cashflow | Rs m | -1,787 | -13,878 | 12.9% |
Indian Promoters | % | 52.2 | 28.1 | 185.4% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 40.6 | 31.9 | 127.2% | |
FIIs | % | 12.0 | 25.0 | 47.8% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 47.8 | 71.9 | 66.6% | |
Shareholders | 227,512 | 133,177 | 170.8% | ||
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
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | M&M Financial | PNB HOUSING FINANCE |
---|---|---|
1-Day | 0.21% | -0.03% |
1-Month | -5.57% | 24.95% |
1-Year | 2.95% | 79.81% |
3-Year CAGR | 16.58% | 28.81% |
5-Year CAGR | 0.51% | 0.15% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the PNB HOUSING FINANCE share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% 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 M&M Financial and the shareholding pattern of PNB HOUSING FINANCE.
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%.
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 M&M Financial, and the dividend history of PNB HOUSING FINANCE.
For a sector overview, read our finance sector report.
After opening the day on high, Indian share markets reversed the trend as the session progressed and ended the lower.