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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - UJJIVAN FINANCIAL SERVICES
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs UJJIVAN FINANCIAL SERVICES - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | UJJIVAN FINANCIAL SERVICES | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ UJJIVAN FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.9 | 6.1 | 277.4% | View Chart |
| P/BV | x | 1.7 | 2.2 | 80.1% | View Chart |
| Dividend Yield | % | 2.3 | 0.9 | 259.6% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  UJJIVAN FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
UJJIVAN FINANCIAL SERVICES Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ UJJIVAN FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 313 | 86.8% | |
| Low | Rs | 158 | 103 | 153.8% | |
| Income per share (Unadj.) | Rs | 102.9 | 363.4 | 28.3% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 73.2 | 22.9% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | 226.8 | 31.8% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 5.00 | 120.0% | |
| Avg Dividend yield | % | 2.8 | 2.4 | 116.1% | |
| Book value per share (Unadj.) | Rs | 150.1 | 259.9 | 57.8% | |
| Shares outstanding (eoy) | m | 1,233.60 | 121.68 | 1,013.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 0.6 | 364.9% | |
| Avg P/E ratio | x | 12.8 | 2.8 | 450.5% | |
| Avg P/CF ratio | x | 12.7 | 2.5 | 502.0% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 0.8 | 178.9% | |
| Dividend payout | % | 35.7 | 6.8 | 522.9% | |
| Avg Mkt Cap | Rs m | 265,378 | 25,321 | 1,048.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 9,298 | 227.5% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 126,995 | 44,213 | 287.2% | |
| Other income | Rs m | 15,570 | 3,582 | 434.7% | |
| Interest expense | Rs m | 50,943 | 14,931 | 341.2% | |
| Net interest income | Rs m | 76,052 | 29,282 | 259.7% | |
| Operating expense | Rs m | 61,198 | 15,928 | 384.2% | |
| Gross profit | Rs m | 14,854 | 13,354 | 111.2% | |
| Gross profit margin | % | 11.7 | 30.2 | 38.7% | |
| Provisions/contingencies | Rs m | 248 | 1,138 | 21.8% | |
| Profit before tax | Rs m | 28,038 | 15,308 | 183.2% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 12 | -2,496 | -0.5% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,326 | 3,905 | 187.6% | |
| Profit after tax | Rs m | 20,724 | 8,907 | 232.7% | |
| Net profit margin | % | 16.3 | 20.1 | 81.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| 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 | 33.9 | 147.9% | |
| Net fixed assets | Rs m | 8,706 | 6,836 | 127.4% | |
| Share capital | Rs m | 2,467 | 1,217 | 202.8% | |
| Free reserves | Rs m | 182,732 | 30,405 | 601.0% | |
| Net worth | Rs m | 185,199 | 31,622 | 585.7% | |
| Borrowings | Rs m | 50,384 | 0 | - | |
| Investments | Rs m | 116,974 | 86,441 | 135.3% | |
| Total assets | Rs m | 1,043,390 | 351,533 | 296.8% | |
| Debt/equity ratio | x | 0.6 | 0 | - | |
| Return on assets | % | 2.0 | 2.5 | 78.4% | |
| Return on equity | % | 11.2 | 28.2 | 39.7% | |
| Capital adequacy ratio | % | 22.5 | 25.8 | 87.3% | |
| Net NPAs | % | 1.9 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | 20,727 | -839.3% | |
| From Investments | Rs m | -16,354 | -45,541 | 35.9% | |
| From Financial Activity | Rs m | 188,520 | 26,402 | 714.0% | |
| Net Cashflow | Rs m | -1,787 | 1,587 | -112.6% | |
Share Holding
| Indian Promoters | % | 52.2 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 40.6 | 42.7 | 95.0% | |
| FIIs | % | 12.0 | 35.3 | 33.8% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 100.0 | 47.8% | |
| Shareholders | 227,512 | 96,524 | 235.7% | ||
| 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 UJJIVAN FINANCIAL SERVICES
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 UJJIVAN FINANCIAL SERVICES Share Price Performance
| Period | M&M Financial | UJJIVAN FINANCIAL SERVICES |
|---|---|---|
| 1-Day | 0.21% | -0.67% |
| 1-Month | -5.57% | 13.84% |
| 1-Year | 2.95% | 98.62% |
| 3-Year CAGR | 16.58% | 42.79% |
| 5-Year CAGR | 0.51% | 11.31% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the UJJIVAN FINANCIAL SERVICES share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of UJJIVAN FINANCIAL SERVICES the stake stands at 0.0%.
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 UJJIVAN FINANCIAL SERVICES.
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%.
UJJIVAN FINANCIAL SERVICES paid Rs 5.0, and its dividend payout ratio stood at 6.8%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of UJJIVAN FINANCIAL SERVICES.
For a sector overview, read our finance sector report.
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