Compare GRUH FINANCE with M&M Financial - Equitymaster

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GRUH FINANCE vs M&M FINANCIAL SERVICES - Comparison Results

M&M FINANCIAL SERVICES 
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Mahindra & Mahindra Financial Services Ltd (MMFSL), a subsidiary of M&M, is an NBFC focused on the rural and semi-urban sector providing finance for utility vehicles, tractors and cars. MMFSL seeks to position itself between the banks and moneylender... More

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Current Valuations

    GRUH FINANCE M&M FINANCIAL SERVICES GRUH FINANCE/
M&M FINANCIAL SERVICES
 
P/E (TTM) x 51.8 9.5 548.4% View Chart
P/BV x 16.8 0.8 2,035.4% View Chart
Dividend Yield % 1.0 0.0 -  

Financials

 GRUH FINANCE   M&M FINANCIAL SERVICES
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
M&M FINANCIAL SERVICES
Mar-20
GRUH FINANCE/
M&M FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs714442 161.3%   
Low Rs368138 265.7%   
Income per share (Unadj.) Rs46.1185.5 24.9%  
Earnings per share (Unadj.) Rs9.917.6 56.4%  
Cash flow per share (Unadj.) Rs18.163.4 28.5%  
Dividends per share (Unadj.) Rs3.300-  
Avg Dividend yield %0.60-  
Book value per share (Unadj.) Rs37.8193.7 19.5%  
Shares outstanding (eoy) m365.72617.76 59.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x11.71.6 748.5%   
Avg P/E ratio x54.516.5 330.0%  
Avg P/CF ratio x49.014.6 336.9%  
Avg Price/Bookvalue ratio x14.31.5 955.3%  
Dividend payout %33.30-   
Avg Mkt Cap Rs m197,727179,398 110.2%   
No. of employees `0000.721.9 3.2%   
Total wages & salary Rs m54516,098 3.4%   
Avg. income/employee Rs Th24,381.45,240.9 465.2%   
Avg. wages/employee Rs Th787.7736.4 107.0%   
Avg. net profit/employee Rs Th5,241.0496.7 1,055.2%   
INCOME DATA
Interest income Rs m16,872114,576 14.7%  
Other income Rs m5381,135 47.4%   
Interest expense Rs m9,82553,906 18.2%   
Net interest income Rs m7,04760,671 11.6%  
Operating expense Rs m1,39624,590 5.7%   
Gross profit Rs m5,65236,080 15.7%  
Gross profit margin %33.531.5 106.4%  
Provisions/contingencies Rs m4061,469 27.6%   
Profit before tax Rs m5,62115,561 36.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0459 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,9945,162 38.6%   
Profit after tax Rs m3,62710,858 33.4%  
Net profit margin %21.59.5 226.8%  
BALANCE SHEET DATA
Advances Rs m157,206728,638 21.6%   
Deposits Rs m10,1220-  
Credit/Deposit ratio x1,553.0NM- 
Yield on advances %10.211.8 86.2%   
Cost of deposits %12.5N.A.-  
Net Interest Margin %4.57.8 57.5%  
Net fixed assets Rs m1545,545 2.8%   
Share capital Rs m7311,231 59.4%   
Free reserves Rs m13,078118,459 11.0%   
Net worth Rs m13,809119,690 11.5%   
Borrowings Rs m66,655333,271 20.0%   
Investments Rs m83053,404 1.6%   
Total assets Rs m159,710817,926 19.5%  
Debt/equity ratio x5.62.8 199.7%   
Return on assets %2.31.3 171.1%  
Return on equity %26.39.1 289.5%  
Capital adequacy ratio %18.919.6 96.4%  
Net NPAs %06.0 0.0%  
CASH FLOW
From Operations Rs m-19,296-31,152 61.9%  
From Investments Rs m49-26,891 -0.2%  
From Financial Activity Rs m19,31460,497 31.9%  
Net Cashflow Rs m682,454 2.8%  

Share Holding

Indian Promoters % 59.4 52.1 114.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.4 1.3 30.8%  
FIIs % 15.9 41.4 38.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 24.3 5.3 458.5%  
Shareholders   18,801 54,174 34.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare GRUH FINANCE With:   L&T FINANCE HOLDINGS  MUTHOOT FINANCE  IFCI  POWER FINANCE CORPORATION  SREI INFRA FINANCE  



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Oct 15, 2019 (Close)

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