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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 15.2 341.3% View Chart
P/BV x 16.8 1.7 1,016.4% View Chart
Dividend Yield % 1.0 2.0 52.4%  

Financials

 GRUH FINANCE   M&M FINANCIAL SERVICES
EQUITY SHARE DATA
    GRUH FINANCE
Mar-18
M&M FINANCIAL SERVICES
Mar-19
GRUH FINANCE/
M&M FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs714538 132.8%   
Low Rs368351 104.8%   
Income per share (Unadj.) Rs46.1161.4 28.6%  
Earnings per share (Unadj.) Rs9.930.2 32.8%  
Cash flow per share (Unadj.) Rs18.180.4 22.5%  
Dividends per share (Unadj.) Rs3.306.50 50.8%  
Avg Dividend yield %0.61.5 41.7%  
Book value per share (Unadj.) Rs37.8182.4 20.7%  
Shares outstanding (eoy) m365.72617.76 59.2%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x11.72.8 425.7%   
Avg P/E ratio x54.514.7 370.9%  
Avg P/CF ratio x49.013.6 361.0%  
Avg Price/Bookvalue ratio x14.32.4 587.9%  
Dividend payout %33.321.5 154.7%   
Avg Mkt Cap Rs m197,727274,440 72.0%   
No. of employees `0000.721.8 3.2%   
Total wages & salary Rs m54514,780 3.7%   
Avg. income/employee Rs Th24,381.44,575.5 532.9%   
Avg. wages/employee Rs Th787.7678.3 116.1%   
Avg. net profit/employee Rs Th5,241.0857.0 611.6%   
INCOME DATA
Interest income Rs m16,87299,695 16.9%  
Other income Rs m538592 90.9%   
Interest expense Rs m9,82544,323 22.2%   
Net interest income Rs m7,04755,373 12.7%  
Operating expense Rs m1,39622,824 6.1%   
Gross profit Rs m5,65232,548 17.4%  
Gross profit margin %33.532.6 102.6%  
Provisions/contingencies Rs m4061,533 26.4%   
Profit before tax Rs m5,62127,938 20.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0469 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,9949,735 20.5%   
Profit after tax Rs m3,62718,673 19.4%  
Net profit margin %21.518.7 114.8%  
BALANCE SHEET DATA
Advances Rs m157,206689,390 22.8%   
Deposits Rs m10,1220-  
Credit/Deposit ratio x1,553.0NM- 
Yield on advances %10.212.5 81.6%   
Cost of deposits %12.5N.A.-  
Net Interest Margin %4.57.7 58.2%  
Net fixed assets Rs m1541,098 14.0%   
Share capital Rs m7311,230 59.5%   
Free reserves Rs m13,078111,460 11.7%   
Net worth Rs m13,809112,690 12.3%   
Borrowings Rs m66,655246,327 27.1%   
Investments Rs m83033,274 2.5%   
Total assets Rs m159,710745,760 21.4%  
Debt/equity ratio x5.62.2 254.4%   
Return on assets %2.32.5 90.7%  
Return on equity %26.316.6 158.5%  
Capital adequacy ratio %18.920.3 93.1%  
Net NPAs %05.3 0.0%  
CASH FLOW
From Operations Rs m-19,296-120,779 16.0%  
From Investments Rs m49-12,131 -0.4%  
From Financial Activity Rs m19,314134,895 14.3%  
Net Cashflow Rs m681,985 3.4%  

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:   RURAL ELECTRIFICATION  LIC HOUSING  L&T FINANCE HOLDINGS  SHRIRAM TRANSPORT  MAGMA FINCORP  



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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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Oct 15, 2019 (Close)

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