MAHINDRA & MAHINDRA FINANCIAL SERVICES | SHRIRAM CITY UNION | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ SHRIRAM CITY UNION |
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P/E (TTM) | x | 16.8 | 9.3 | 180.3% | View Chart |
P/BV | x | 1.7 | 1.4 | 122.7% | View Chart |
Dividend Yield | % | 2.3 | 1.9 | 120.9% |
MAHINDRA & MAHINDRA FINANCIAL SERVICES SHRIRAM CITY UNION |
EQUITY SHARE DATA | |||||
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MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
SHRIRAM CITY UNION Mar-22 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ SHRIRAM CITY UNION |
5-Yr Chart Click to enlarge
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High | Rs | 272 | 2,600 | 10.5% | |
Low | Rs | 158 | 1,378 | 11.5% | |
Income per share (Unadj.) | Rs | 102.9 | 1,061.5 | 9.7% | |
Earnings per share (Unadj.) | Rs | 16.8 | 172.9 | 9.7% | |
Cash flow per share (Unadj.) | Rs | 72.1 | -5,605.2 | -1.3% | |
Dividends per share (Unadj.) | Rs | 6.00 | 37.00 | 16.2% | |
Avg Dividend yield | % | 2.8 | 1.9 | 149.9% | |
Book value per share (Unadj.) | Rs | 150.1 | 1,379.6 | 10.9% | |
Shares outstanding (eoy) | m | 1,233.60 | 66.63 | 1,851.4% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.1 | 1.9 | 111.5% | |
Avg P/E ratio | x | 12.8 | 11.5 | 111.3% | |
Avg P/CF ratio | x | 12.7 | 0.3 | 4,071.9% | |
Avg Price/Bookvalue ratio | x | 1.4 | 1.4 | 99.4% | |
Dividend payout | % | 35.7 | 21.4 | 166.9% | |
Avg Mkt Cap | Rs m | 265,378 | 132,538 | 200.2% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 21,153 | 10,576 | 200.0% | |
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 | 70,730 | 179.6% | |
Other income | Rs m | 15,570 | 70 | 22,338.9% | |
Interest expense | Rs m | 50,943 | 28,301 | 180.0% | |
Net interest income | Rs m | 76,052 | 42,428 | 179.2% | |
Operating expense | Rs m | 61,198 | 25,950 | 235.8% | |
Gross profit | Rs m | 14,854 | 16,479 | 90.1% | |
Gross profit margin | % | 11.7 | 23.3 | 50.2% | |
Provisions/contingencies | Rs m | 248 | 414,981 | 0.1% | |
Profit before tax | Rs m | 28,038 | 15,686 | 178.7% | |
Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
Minority Interest | Rs m | 12 | -130 | -9.2% | |
Prior Period Items | Rs m | 0 | 0 | - | |
Tax | Rs m | 7,326 | 4,039 | 181.4% | |
Profit after tax | Rs m | 20,724 | 11,518 | 179.9% | |
Net profit margin | % | 16.3 | 16.3 | 100.2% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 34,811 | 355,460 | 9.8% | |
Deposits | Rs m | 54,587 | 68,245 | 80.0% | |
Credit/Deposit ratio | x | 63.8 | 520.9 | 12.2% | |
Yield on advances | % | 0 | 0 | - | |
Cost of deposits | % | 9.8 | 8.0 | 122.9% | |
Net Interest Margin | % | 50.1 | 11.5 | 436.7% | |
Net fixed assets | Rs m | 8,706 | 2,514 | 346.4% | |
Share capital | Rs m | 2,467 | 666 | 370.3% | |
Free reserves | Rs m | 182,732 | 91,253 | 200.2% | |
Net worth | Rs m | 185,199 | 91,920 | 201.5% | |
Borrowings | Rs m | 50,384 | 27,264 | 184.8% | |
Investments | Rs m | 116,974 | 14,374 | 813.8% | |
Total assets | Rs m | 1,043,390 | 485,553 | 214.9% | |
Debt/equity ratio | x | 0.6 | 1.0 | 54.6% | |
Return on assets | % | 2.0 | 2.4 | 83.7% | |
Return on equity | % | 11.2 | 12.5 | 89.3% | |
Capital adequacy ratio | % | 22.5 | 26.8 | 84.1% | |
Net NPAs | % | 1.9 | 3.3 | 56.7% |
CASH FLOW | |||||
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From Operations | Rs m | -173,953 | -38,613 | 450.5% | |
From Investments | Rs m | -16,354 | -1,338 | 1,222.5% | |
From Financial Activity | Rs m | 188,520 | 53,477 | 352.5% | |
Net Cashflow | Rs m | -1,787 | 13,527 | -13.2% |
Indian Promoters | % | 52.2 | 36.9 | 141.5% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 40.6 | 33.0 | 122.9% | |
FIIs | % | 12.0 | 26.9 | 44.4% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 47.8 | 63.1 | 75.8% | |
Shareholders | 227,512 | 22,900 | 993.5% | ||
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 | SHRIRAM CITY UNION |
---|---|---|
1-Day | 0.00% | 0.14% |
1-Month | -5.77% | 4.33% |
1-Year | 2.77% | -0.93% |
3-Year CAGR | 16.49% | 13.37% |
5-Year CAGR | 0.33% | -1.05% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the SHRIRAM CITY UNION share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of SHRIRAM CITY UNION the stake stands at 36.9%.
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 SHRIRAM CITY UNION.
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%.
SHRIRAM CITY UNION paid Rs 37.0, and its dividend payout ratio stood at 21.4%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of SHRIRAM CITY UNION.
For a sector overview, read our finance sector report.
After opening the day on high, Indian share markets continued the momentum as the session progressed and ended the higher.