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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 40.1 12.6 319.7% View Chart
P/BV x 13.0 1.9 700.1% View Chart
Dividend Yield % 1.3 1.2 108.8%  

Financials

 GRUH FINANCE   M&M FINANCIAL SERVICES
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
M&M FINANCIAL SERVICES
Mar-18
GRUH FINANCE/
M&M FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs714524 136.2%   
Low Rs368290 126.7%   
Income per share (Unadj.) Rs46.1138.1 33.4%  
Earnings per share (Unadj.) Rs9.916.6 59.8%  
Cash flow per share (Unadj.) Rs18.138.9 46.4%  
Dividends per share (Unadj.) Rs3.304.00 82.5%  
Avg Dividend yield %0.61.0 62.1%  
Book value per share (Unadj.) Rs37.8160.5 23.5%  
Shares outstanding (eoy) m365.72617.76 59.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x11.72.9 397.7%   
Avg P/E ratio x54.524.6 222.0%  
Avg P/CF ratio x49.010.4 469.3%  
Avg Price/Bookvalue ratio x14.32.5 564.6%  
Dividend payout %33.324.1 137.9%   
Avg Mkt Cap Rs m197,727251,459 78.6%   
No. of employees `0000.718.7 3.7%   
Total wages & salary Rs m54511,571 4.7%   
Avg. income/employee Rs Th24,381.44,555.1 535.2%   
Avg. wages/employee Rs Th787.7617.7 127.5%   
Avg. net profit/employee Rs Th5,241.0546.6 958.9%   
INCOME DATA
Interest income Rs m16,87285,332 19.8%  
Other income Rs m538404 133.3%   
Interest expense Rs m9,82534,263 28.7%   
Net interest income Rs m7,04751,068 13.8%  
Operating expense Rs m1,39621,536 6.5%   
Gross profit Rs m5,65229,532 19.1%  
Gross profit margin %33.534.6 96.8%  
Provisions/contingencies Rs m40613,826 2.9%   
Profit before tax Rs m5,62116,110 34.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-275 0.0%   
Prior Period Items Rs m0507 0.0%   
Tax Rs m1,9946,103 32.7%   
Profit after tax Rs m3,62710,239 35.4%  
Net profit margin %21.512.0 179.1%  
BALANCE SHEET DATA
Advances Rs m157,206348,822 45.1%   
Deposits Rs m10,1220-  
Credit/Deposit ratio x1,553.0NM- 
Yield on advances %10.221.9 46.5%   
Cost of deposits %12.5N.A.-  
Net Interest Margin %4.514.3 31.1%  
Net fixed assets Rs m1541,519 10.1%   
Share capital Rs m7311,229 59.5%   
Free reserves Rs m13,07897,923 13.4%   
Net worth Rs m13,80999,152 13.9%   
Borrowings Rs m66,655288,950 23.1%   
Investments Rs m8307,766 10.7%   
Total assets Rs m159,710635,385 25.1%  
Debt/equity ratio x5.62.9 190.8%   
Return on assets %2.31.6 140.9%  
Return on equity %26.310.3 254.3%  
Capital adequacy ratio %18.921.9 86.3%  
Net NPAs %04.1 0.0%  
CASH FLOW
From Operations Rs m-19,296-95,351 20.2%  
From Investments Rs m494,049 1.2%  
From Financial Activity Rs m19,31490,391 21.4%  
Net Cashflow Rs m68-911 -7.4%  

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:   SREI INFRA FINANCE  HDFC  CAPITAL FIRST  MUTHOOT FINANCE  GIC HOUSING  



Today's Market

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Share markets in India have extended early losses and are presently trading deep in the red. Barring consumer durables sector, all sectoral indices are trading in red with stocks in the telecom sector.

Related Views on News

GRUH FINANCE Announces Quarterly Results (3QFY19); Net Profit Up 18.0% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, GRUH FINANCE has posted a net profit of Rs 970 m (up 18.0% YoY). Sales on the other hand came in at Rs 5 bn (up 26.0% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

MAHINDRA FINANCE Announces Quarterly Results (3QFY19); Net Profit Down 12.7% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, MAHINDRA FINANCE has posted a net profit of Rs 3 bn (down 12.7% YoY). Sales on the other hand came in at Rs 22 bn (up 1.8% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.

MAHINDRA FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 278.8% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, MAHINDRA FINANCE has posted a net profit of Rs 4 bn (up 278.8% YoY). Sales on the other hand came in at Rs 21 bn (up 6.3% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.

GRUH FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 35.6% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, GRUH FINANCE has posted a net profit of Rs 1 bn (up 35.6% YoY). Sales on the other hand came in at Rs 5 bn (up 16.1% YoY). Read on for a complete analysis of GRUH FINANCE's quarterly results.

MAHINDRA FINANCE Announces Quarterly Results (1QFY19); Net Profit Up 360.5% (Quarterly Result Update)

Aug 3, 2018 | Updated on Aug 3, 2018

For the quarter ended June 2018, MAHINDRA FINANCE has posted a net profit of Rs 3 bn (up 360.5% YoY). Sales on the other hand came in at Rs 19 bn (up 2.7% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.

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