MAHINDRA & MAHINDRA FINANCIAL SERVICES | SBI CARDS | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ SBI CARDS |
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P/E (TTM) | x | 16.9 | 29.6 | 56.9% | View Chart |
P/BV | x | 1.7 | 7.3 | 23.7% | View Chart |
Dividend Yield | % | 2.3 | 0.3 | 696.6% |
MAHINDRA & MAHINDRA FINANCIAL SERVICES SBI CARDS |
EQUITY SHARE DATA | |||||
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MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
SBI CARDS Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ SBI CARDS |
5-Yr Chart Click to enlarge
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High | Rs | 272 | 1,029 | 26.4% | |
Low | Rs | 158 | 656 | 24.1% | |
Income per share (Unadj.) | Rs | 102.9 | 144.5 | 71.3% | |
Earnings per share (Unadj.) | Rs | 16.8 | 23.9 | 70.4% | |
Cash flow per share (Unadj.) | Rs | 72.1 | 124.7 | 57.9% | |
Dividends per share (Unadj.) | Rs | 6.00 | 2.50 | 240.0% | |
Avg Dividend yield | % | 2.8 | 0.3 | 939.8% | |
Book value per share (Unadj.) | Rs | 150.1 | 103.5 | 145.1% | |
Shares outstanding (eoy) | m | 1,233.60 | 946.07 | 130.4% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.1 | 5.8 | 35.8% | |
Avg P/E ratio | x | 12.8 | 35.3 | 36.3% | |
Avg P/CF ratio | x | 12.7 | 34.6 | 36.6% | |
Avg Price/Bookvalue ratio | x | 1.4 | 8.1 | 17.6% | |
Dividend payout | % | 35.7 | 10.5 | 341.0% | |
Avg Mkt Cap | Rs m | 265,378 | 796,997 | 33.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 21,153 | 5,619 | 376.5% | |
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 | 136,666 | 92.9% | |
Other income | Rs m | 15,570 | 6,190 | 251.5% | |
Interest expense | Rs m | 50,943 | 22,840 | 223.0% | |
Net interest income | Rs m | 76,052 | 113,826 | 66.8% | |
Operating expense | Rs m | 61,198 | 88,073 | 69.5% | |
Gross profit | Rs m | 14,854 | 25,754 | 57.7% | |
Gross profit margin | % | 11.7 | 18.8 | 62.1% | |
Provisions/contingencies | Rs m | 248 | 449 | 55.3% | |
Profit before tax | Rs m | 28,038 | 30,306 | 92.5% | |
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 | 7,721 | 94.9% | |
Profit after tax | Rs m | 20,724 | 22,585 | 91.8% | |
Net profit margin | % | 16.3 | 16.5 | 98.7% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 34,811 | 0 | - | |
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 | 524.4 | 9.6% | |
Net fixed assets | Rs m | 8,706 | 5,510 | 158.0% | |
Share capital | Rs m | 2,467 | 9,461 | 26.1% | |
Free reserves | Rs m | 182,732 | 88,439 | 206.6% | |
Net worth | Rs m | 185,199 | 97,899 | 189.2% | |
Borrowings | Rs m | 50,384 | 231,429 | 21.8% | |
Investments | Rs m | 116,974 | 21,705 | 538.9% | |
Total assets | Rs m | 1,043,390 | 452,989 | 230.3% | |
Debt/equity ratio | x | 0.6 | 2.4 | 24.0% | |
Return on assets | % | 2.0 | 5.0 | 39.8% | |
Return on equity | % | 11.2 | 23.1 | 48.5% | |
Capital adequacy ratio | % | 22.5 | 23.1 | 97.6% | |
Net NPAs | % | 1.9 | 0.9 | 214.9% |
CASH FLOW | |||||
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From Operations | Rs m | -173,953 | -66,705 | 260.8% | |
From Investments | Rs m | -16,354 | -9,214 | 177.5% | |
From Financial Activity | Rs m | 188,520 | 78,236 | 241.0% | |
Net Cashflow | Rs m | -1,787 | 2,316 | -77.1% |
Indian Promoters | % | 52.2 | 68.6 | 76.0% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 40.6 | 25.3 | 160.5% | |
FIIs | % | 12.0 | 8.6 | 139.1% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 47.8 | 31.4 | 152.5% | |
Shareholders | 227,512 | 1,036,632 | 21.9% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST TATA INVESTMENT MANAPPURAM FINANCE
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 | SBI CARDS |
---|---|---|
1-Day | 0.21% | -1.02% |
1-Month | -5.57% | 7.71% |
1-Year | 2.95% | -3.29% |
3-Year CAGR | 16.58% | -6.54% |
5-Year CAGR | 0.51% | 1.89% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the SBI CARDS share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of SBI CARDS the stake stands at 68.6%.
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 SBI CARDS.
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%.
SBI CARDS paid Rs 2.5, and its dividend payout ratio stood at 10.5%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of SBI CARDS.
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.