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- HDFC - M&M FINANCIAL SERVICES
HDFC vs M&M FINANCIAL SERVICES - Comparison Results
HDFC Change
HDFC is India's largest housing finance company with strong brand equity and market share of approximately 19%. Besides housing loans, HDFC has also been benefiting from the retail reach of its banking subsidiary (HDFC Bank). Over the years, HDFC has... More
M&M FINANCIAL SERVICES 
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
Current Valuations
| HDFC | M&M FINANCIAL SERVICES | HDFC/ M&M FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 37.7 | 8.2 | 458.7% | View Chart |
| P/BV | x | 3.3 | 0.7 | 460.1% | View Chart |
| Dividend Yield | % | 0.9 | 0.0 | - |
Financials
 HDFC  M&M FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| HDFC Mar-20 |
M&M FINANCIAL SERVICES Mar-20 |
HDFC/ M&M FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 2,500 | 442 | 565.0% | |
| Low | Rs | 1,473 | 138 | 1,064.4% | |
| Income per share (Unadj.) | Rs | 587.3 | 185.5 | 316.7% | |
| Earnings per share (Unadj.) | Rs | 131.8 | 17.6 | 749.8% | |
| Cash flow per share (Unadj.) | Rs | 422.3 | 63.4 | 666.6% | |
| Dividends per share (Unadj.) | Rs | 21.00 | 0 | - | |
| Avg Dividend yield | % | 1.1 | 0 | - | |
| Book value per share (Unadj.) | Rs | 730.2 | 193.7 | 376.9% | |
| Shares outstanding (eoy) | m | 1,732.05 | 617.76 | 280.4% | |
| Bonus / Rights / Conversions | ESOP | - | - | ||
| Avg Price / Income ratio | x | 3.4 | 1.6 | 216.0% | |
| Avg P/E ratio | x | 15.1 | 16.5 | 91.2% | |
| Avg P/CF ratio | x | 14.8 | 14.6 | 101.5% | |
| Avg Price/Bookvalue ratio | x | 2.7 | 1.5 | 181.5% | |
| Dividend payout | % | 15.9 | 0 | - | |
| Avg Mkt Cap | Rs m | 3,440,544 | 179,398 | 1,917.8% | |
| No. of employees | `000 | 3.1 | 21.9 | 14.2% | |
| Total wages & salary | Rs m | 13,567 | 16,098 | 84.3% | |
| Avg. income/employee | Rs Th | 328,677.6 | 5,240.9 | 6,271.4% | |
| Avg. wages/employee | Rs Th | 4,383.4 | 736.4 | 595.3% | |
| Avg. net profit/employee | Rs Th | 73,752.7 | 496.7 | 14,849.4% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 1,017,257 | 114,576 | 887.8% | |
| Other income | Rs m | 702 | 1,135 | 61.8% | |
| Interest expense | Rs m | 321,095 | 53,906 | 595.7% | |
| Net interest income | Rs m | 696,163 | 60,671 | 1,147.4% | |
| Operating expense | Rs m | 474,201 | 24,590 | 1,928.4% | |
| Gross profit | Rs m | 221,962 | 36,080 | 615.2% | |
| Gross profit margin | % | 21.8 | 31.5 | 69.3% | |
| Provisions/contingencies | Rs m | 4,626 | 1,469 | 315.0% | |
| Profit before tax | Rs m | 204,472 | 15,561 | 1,314.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 459 | 0.0% | |
| Prior Period Items | Rs m | 57,461 | 0 | - | |
| Tax | Rs m | 33,668 | 5,162 | 652.2% | |
| Profit after tax | Rs m | 228,265 | 10,858 | 2,102.2% | |
| Net profit margin | % | 22.4 | 9.5 | 236.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 4,454,962 | 728,638 | 611.4% | |
| Deposits | Rs m | 1,323,048 | 0 | - | |
| Credit/Deposit ratio | x | 336.7 | NM | - | |
| Yield on advances | % | 9.6 | 11.8 | 81.0% | |
| Cost of deposits | % | 9.0 | N.A. | - | |
| Net Interest Margin | % | 12.8 | 7.8 | 164.5% | |
| Net fixed assets | Rs m | 29,526 | 5,545 | 532.4% | |
| Share capital | Rs m | 3,464 | 1,231 | 281.5% | |
| Free reserves | Rs m | 1,261,328 | 118,459 | 1,064.8% | |
| Net worth | Rs m | 1,264,792 | 119,690 | 1,056.7% | |
| Borrowings | Rs m | 1,079,147 | 333,271 | 323.8% | |
| Investments | Rs m | 999,110 | 53,404 | 1,870.9% | |
| Total assets | Rs m | 7,298,149 | 817,926 | 892.3% | |
| Debt/equity ratio | x | 1.9 | 2.8 | 68.2% | |
| Return on assets | % | 3.1 | 1.3 | 235.6% | |
| Return on equity | % | 18.0 | 9.1 | 198.9% | |
| Capital adequacy ratio | % | 17.6 | 19.6 | 89.8% | |
| Net NPAs | % | 1.5 | 6.0 | 24.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -268,850 | -31,152 | 863.0% | |
| From Investments | Rs m | -98,737 | -26,891 | 367.2% | |
| From Financial Activity | Rs m | 387,738 | 60,497 | 640.9% | |
| Net Cashflow | Rs m | 20,152 | 2,454 | 821.2% | |
Share Holding
| Indian Promoters | % | 0.0 | 52.1 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 10.5 | 1.3 | 807.7% | |
| FIIs | % | 77.6 | 41.4 | 187.4% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 12.0 | 5.3 | 226.4% | |
| Shareholders | 175,570 | 54,174 | 324.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare HDFC With: IDFC SHRIRAM CITY UNION JM FINANCIAL MAGMA FINCORP L&T FINANCE HOLDINGS
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