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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - BAJAJ FINANCE
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs BAJAJ FINANCE - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | BAJAJ FINANCE | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ BAJAJ FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.8 | 32.8 | 51.3% | View Chart |
| P/BV | x | 1.7 | 8.4 | 20.5% | View Chart |
| Dividend Yield | % | 2.3 | 0.4 | 565.4% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  BAJAJ FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
BAJAJ FINANCE Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ BAJAJ FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 7,777 | 3.5% | |
| Low | Rs | 158 | 5,236 | 3.0% | |
| Income per share (Unadj.) | Rs | 102.9 | 684.9 | 15.0% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 190.4 | 8.8% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | 466.9 | 15.5% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 30.00 | 20.0% | |
| Avg Dividend yield | % | 2.8 | 0.5 | 604.9% | |
| Book value per share (Unadj.) | Rs | 150.1 | 890.4 | 16.9% | |
| Shares outstanding (eoy) | m | 1,233.60 | 604.42 | 204.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 9.5 | 22.0% | |
| Avg P/E ratio | x | 12.8 | 34.2 | 37.5% | |
| Avg P/CF ratio | x | 12.7 | 34.2 | 37.0% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 7.3 | 19.6% | |
| Dividend payout | % | 35.7 | 15.8 | 226.7% | |
| Avg Mkt Cap | Rs m | 265,378 | 3,932,543 | 6.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 50,591 | 41.8% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 126,995 | 413,974 | 30.7% | |
| Other income | Rs m | 15,570 | 83 | 18,736.7% | |
| Interest expense | Rs m | 50,943 | 127,013 | 40.1% | |
| Net interest income | Rs m | 76,052 | 286,961 | 26.5% | |
| Operating expense | Rs m | 61,198 | 126,929 | 48.2% | |
| Gross profit | Rs m | 14,854 | 160,033 | 9.3% | |
| Gross profit margin | % | 11.7 | 38.7 | 30.3% | |
| Provisions/contingencies | Rs m | 248 | 29 | 865.8% | |
| Profit before tax | Rs m | 28,038 | 155,279 | 18.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 12 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,326 | 40,202 | 18.2% | |
| Profit after tax | Rs m | 20,724 | 115,077 | 18.0% | |
| Net profit margin | % | 16.3 | 27.8 | 58.7% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 34,811 | 2,422,689 | 1.4% | |
| Deposits | Rs m | 54,587 | 446,656 | 12.2% | |
| Credit/Deposit ratio | x | 63.8 | 542.4 | 11.8% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.8 | 5.9 | 165.4% | |
| Net Interest Margin | % | 50.1 | 10.8 | 463.3% | |
| Net fixed assets | Rs m | 8,706 | 23,076 | 37.7% | |
| Share capital | Rs m | 2,467 | 1,209 | 204.1% | |
| Free reserves | Rs m | 182,732 | 536,956 | 34.0% | |
| Net worth | Rs m | 185,199 | 538,165 | 34.4% | |
| Borrowings | Rs m | 50,384 | 222,689 | 22.6% | |
| Investments | Rs m | 116,974 | 230,624 | 50.7% | |
| Total assets | Rs m | 1,043,390 | 2,742,916 | 38.0% | |
| Debt/equity ratio | x | 0.6 | 1.2 | 45.6% | |
| Return on assets | % | 2.0 | 4.2 | 47.3% | |
| Return on equity | % | 11.2 | 21.4 | 52.3% | |
| Capital adequacy ratio | % | 22.5 | 25.0 | 90.2% | |
| Net NPAs | % | 1.9 | 0.4 | 434.9% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | -421,404 | 41.3% | |
| From Investments | Rs m | -16,354 | -103,653 | 15.8% | |
| From Financial Activity | Rs m | 188,520 | 506,750 | 37.2% | |
| Net Cashflow | Rs m | -1,787 | -18,307 | 9.8% | |
Share Holding
| Indian Promoters | % | 52.2 | 54.7 | 95.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 40.6 | 35.0 | 116.0% | |
| FIIs | % | 12.0 | 20.6 | 58.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 45.3 | 105.6% | |
| Shareholders | 227,512 | 799,199 | 28.5% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: CHOLAMANDALAM INVEST BAJAJ HOLDINGS & INVESTMENT SBI CARDS EDELWEISS FINANCIAL APTUS VALUE HOUSING FIN.
More on M&M Financial vs Bajaj Finance
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
M&M Financial vs Bajaj Finance Share Price Performance
| Period | M&M Financial | Bajaj Finance |
|---|---|---|
| 1-Day | 0.00% | -0.46% |
| 1-Month | -5.77% | 5.55% |
| 1-Year | 2.77% | 19.99% |
| 3-Year CAGR | 16.49% | 15.53% |
| 5-Year CAGR | 0.33% | 18.81% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the Bajaj Finance share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of Bajaj Finance the stake stands at 54.7%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of M&M Financial and the shareholding pattern of Bajaj Finance.
Finally, a word on dividends...
In the most recent financial year, M&M Financial paid a dividend of Rs 6.0 per share. This amounted to a Dividend Payout ratio of 35.7%.
Bajaj Finance paid Rs 30.0, and its dividend payout ratio stood at 15.8%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of Bajaj Finance.
For a sector overview, read our finance sector report.
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