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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 | 31.0 | 13.1 | 236.6% | View Chart |
| P/BV | x | 3.8 | 1.9 | 196.4% | View Chart |
| Dividend Yield | % | 1.0 | 1.2 | 81.2% |
Financials
 HDFC  M&M FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| HDFC Mar-18 |
M&M FINANCIAL SERVICES Mar-18 |
HDFC/ M&M FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 1,982 | 524 | 378.4% | |
| Low | Rs | 1,461 | 290 | 503.2% | |
| Income per share (Unadj.) | Rs | 385.5 | 138.1 | 279.1% | |
| Earnings per share (Unadj.) | Rs | 97.0 | 16.6 | 585.2% | |
| Cash flow per share (Unadj.) | Rs | 296.1 | 38.9 | 760.5% | |
| Dividends per share (Unadj.) | Rs | 20.00 | 4.00 | 500.0% | |
| Avg Dividend yield | % | 1.2 | 1.0 | 118.2% | |
| Book value per share (Unadj.) | Rs | 516.4 | 160.5 | 321.7% | |
| Shares outstanding (eoy) | m | 1,675.88 | 617.76 | 271.3% | |
| Bonus/Rights/Conversions | ESOP | - | - | ||
| Avg Price / Income ratio | x | 4.5 | 2.9 | 151.5% | |
| Avg P/E ratio | x | 17.7 | 24.6 | 72.3% | |
| Avg P/CF ratio | x | 17.2 | 10.4 | 164.1% | |
| Avg Price/Bookvalue ratio | x | 3.3 | 2.5 | 131.4% | |
| Dividend payout | % | 20.6 | 24.1 | 85.4% | |
| Avg Mkt Cap | Rs m | 2,884,776 | 251,459 | 1,147.2% | |
| No. of employees | `000 | 2.6 | 18.7 | 13.7% | |
| Total wages & salary | Rs m | 10,481 | 11,571 | 90.6% | |
| Avg. income/employee | Rs Th | 250,900.4 | 4,555.1 | 5,508.1% | |
| Avg. wages/employee | Rs Th | 4,070.4 | 617.7 | 659.0% | |
| Avg. net profit/employee | Rs Th | 63,126.1 | 546.6 | 11,549.1% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 646,069 | 85,332 | 757.1% | |
| Other income | Rs m | 45,348 | 404 | 11,238.7% | |
| Interest expense | Rs m | 234,524 | 34,263 | 684.5% | |
| Net interest income | Rs m | 411,544 | 51,068 | 805.9% | |
| Operating expense | Rs m | 299,292 | 21,536 | 1,389.7% | |
| Gross profit | Rs m | 112,252 | 29,532 | 380.1% | |
| Gross profit margin | % | 17.4 | 34.6 | 50.2% | |
| Provisions/contingencies | Rs m | 5,637 | 13,826 | 40.8% | |
| Profit before tax | Rs m | 176,025 | 16,110 | 1,092.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -10,766 | -275 | 3,912.0% | |
| Prior Period Items | Rs m | 37,302 | 507 | 7,351.7% | |
| Tax | Rs m | 40,012 | 6,103 | 655.6% | |
| Profit after tax | Rs m | 162,550 | 10,239 | 1,587.5% | |
| Net profit margin | % | 25.2 | 12.0 | 209.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 3,791,728 | 348,822 | 1,087.0% | |
| Deposits | Rs m | 445,995 | 0 | - | |
| Credit/Deposit ratio | x | 850.2 | NM | - | |
| Yield on advances | % | 9.0 | 21.9 | 41.0% | |
| Cost of deposits | % | 6.1 | N.A. | - | |
| Net Interest Margin | % | 7.9 | 14.3 | 55.4% | |
| Net fixed assets | Rs m | 13,541 | 1,519 | 891.3% | |
| Share capital | Rs m | 3,352 | 1,229 | 272.7% | |
| Free reserves | Rs m | 862,062 | 97,923 | 880.3% | |
| Net worth | Rs m | 865,414 | 99,152 | 872.8% | |
| Borrowings | Rs m | 1,171,103 | 288,950 | 405.3% | |
| Investments | Rs m | 1,394,864 | 7,766 | 17,960.7% | |
| Total assets | Rs m | 5,627,013 | 635,385 | 885.6% | |
| Debt/equity ratio | x | 1.9 | 2.9 | 64.1% | |
| Return on assets | % | 2.9 | 1.6 | 179.3% | |
| Return on equity | % | 18.8 | 10.3 | 181.9% | |
| Capital adequacy ratio | % | 19.2 | 21.9 | 87.7% | |
| Net NPAs | % | 0 | 4.1 | 0.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -328,634 | -95,351 | 344.7% | |
| From Investments | Rs m | -237,069 | 4,049 | -5,855.6% | |
| From Financial Activity | Rs m | 540,279 | 90,391 | 597.7% | |
| Net Cashflow | Rs m | -25,423 | -911 | 2,790.7% | |
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 IFCI POWER FINANCE CORPORATION PNB GILTS
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Related Views on News
HDFC Announces Quarterly Results (1QFY20); Net Profit Up 46.3% (Quarterly Result Update)
Aug 14, 2019 | Updated on Aug 14, 2019For the quarter ended June 2019, HDFC has posted a net profit of Rs 32 bn (up 46.3% YoY). Sales on the other hand came in at Rs 130 bn (up 30.7% YoY). Read on for a complete analysis of HDFC's quarterly results.
HDFC Announces Quarterly Results (3QFY19); Net Profit Down 62.7% (Quarterly Result Update)
Jan 30, 2019 | Updated on Jan 30, 2019For the quarter ended December 2018, HDFC has posted a net profit of Rs 21 bn (down 62.7% YoY). Sales on the other hand came in at Rs 106 bn (up 21.6% YoY). Read on for a complete analysis of HDFC's quarterly results.
MAHINDRA FINANCE Announces Quarterly Results (3QFY19); Net Profit Down 12.7% (Quarterly Result Update)
Jan 28, 2019 | Updated on Jan 28, 2019For 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, 2018For 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.
HDFC Announces Quarterly Results (2QFY19); Net Profit Up 17.4% (Quarterly Result Update)
Nov 5, 2018 | Updated on Nov 5, 2018For the quarter ended September 2018, HDFC has posted a net profit of Rs 25 bn (up 17.4% YoY). Sales on the other hand came in at Rs 112 bn (up 28.5% YoY). Read on for a complete analysis of HDFC's quarterly results.
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