MAHINDRA & MAHINDRA FINANCIAL SERVICES | GRUH FINANCE | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ GRUH FINANCE |
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P/E (TTM) | x | 19.2 | 52.0 | 36.8% | View Chart |
P/BV | x | 2.0 | 12.4 | 15.8% | View Chart |
Dividend Yield | % | 2.0 | 0.6 | 324.1% |
MAHINDRA & MAHINDRA FINANCIAL SERVICES GRUH FINANCE |
EQUITY SHARE DATA | |||||
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MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
GRUH FINANCE Mar-19 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ GRUH FINANCE |
5-Yr Chart Click to enlarge
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High | Rs | 272 | 382 | 71.2% | |
Low | Rs | 158 | 205 | 77.3% | |
Income per share (Unadj.) | Rs | 102.9 | 27.6 | 372.8% | |
Earnings per share (Unadj.) | Rs | 16.8 | 6.1 | 275.6% | |
Cash flow per share (Unadj.) | Rs | 72.1 | 10.1 | 712.2% | |
Dividends per share (Unadj.) | Rs | 6.00 | 2.00 | 300.0% | |
Avg Dividend yield | % | 2.8 | 0.7 | 409.0% | |
Book value per share (Unadj.) | Rs | 150.1 | 25.6 | 585.6% | |
Shares outstanding (eoy) | m | 1,233.60 | 733.69 | 168.1% | |
Bonus / Rights / Conversions | 0 | 0 | - | ||
Avg Price / Income ratio | x | 2.1 | 10.6 | 19.7% | |
Avg P/E ratio | x | 12.8 | 48.1 | 26.6% | |
Avg P/CF ratio | x | 12.7 | 48.1 | 26.3% | |
Avg Price/Bookvalue ratio | x | 1.4 | 11.4 | 12.5% | |
Dividend payout | % | 35.7 | 32.8 | 108.8% | |
Avg Mkt Cap | Rs m | 265,378 | 215,172 | 123.3% | |
No. of employees | `000 | NA | NA | - | |
Total wages & salary | Rs m | 21,153 | 648 | 3,266.4% | |
Avg. income/employee | Rs Th | 0 | 0 | - | |
Avg. wages/employee | Rs Th | 0 | 0 | - | |
Avg. net profit/employee | Rs Th | 0 | 0 | - |
INCOME DATA | |||||
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Interest income | Rs m | 126,995 | 20,262 | 626.8% | |
Other income | Rs m | 15,570 | 216 | 7,205.1% | |
Interest expense | Rs m | 50,943 | 13,012 | 391.5% | |
Net interest income | Rs m | 76,052 | 7,250 | 1,049.0% | |
Operating expense | Rs m | 61,198 | 1,282 | 4,775.1% | |
Gross profit | Rs m | 14,854 | 5,968 | 248.9% | |
Gross profit margin | % | 11.7 | 29.5 | 39.7% | |
Provisions/contingencies | Rs m | 248 | 0 | - | |
Profit before tax | Rs m | 28,038 | 6,150 | 455.9% | |
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 | 1,678 | 436.5% | |
Profit after tax | Rs m | 20,724 | 4,472 | 463.4% | |
Net profit margin | % | 16.3 | 22.1 | 73.9% |
BALANCE SHEET DATA | |||||
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Advances | Rs m | 34,811 | 172,883 | 20.1% | |
Deposits | Rs m | 54,587 | 0 | - | |
Credit/Deposit ratio | x | 63.8 | 0 | - | |
Yield on advances | % | 0 | 0 | - | |
Cost of deposits | % | 9.8 | 0 | - | |
Net Interest Margin | % | 50.1 | 3.9 | 1,270.5% | |
Net fixed assets | Rs m | 8,706 | 151 | 5,750.3% | |
Share capital | Rs m | 2,467 | 1,467 | 168.1% | |
Free reserves | Rs m | 182,732 | 17,342 | 1,053.7% | |
Net worth | Rs m | 185,199 | 18,809 | 984.6% | |
Borrowings | Rs m | 50,384 | 150,129 | 33.6% | |
Investments | Rs m | 116,974 | 10,945 | 1,068.7% | |
Total assets | Rs m | 1,043,390 | 195,417 | 533.9% | |
Debt/equity ratio | x | 0.6 | 8.0 | 7.1% | |
Return on assets | % | 2.0 | 2.3 | 86.8% | |
Return on equity | % | 11.2 | 23.8 | 47.1% | |
Capital adequacy ratio | % | 22.5 | 20.3 | 110.9% | |
Net NPAs | % | 1.9 | 0.4 | 534.3% |
CASH FLOW | |||||
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From Operations | Rs m | -173,953 | -14,322 | 1,214.6% | |
From Investments | Rs m | -16,354 | 491 | -3,330.0% | |
From Financial Activity | Rs m | 188,520 | 24,184 | 779.5% | |
Net Cashflow | Rs m | -1,787 | 10,354 | -17.3% |
Indian Promoters | % | 52.2 | 47.4 | 110.0% | |
Foreign collaborators | % | 0.0 | 0.0 | - | |
Indian inst/Mut Fund | % | 39.7 | 30.8 | 128.7% | |
FIIs | % | 12.7 | 18.7 | 67.9% | |
ADR/GDR | % | 0.0 | 0.0 | - | |
Free float | % | 47.8 | 52.6 | 91.0% | |
Shareholders | 239,372 | 72,213 | 331.5% | ||
Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS TATA INVESTMENT
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
Period | M&M Financial | GRUH FINANCE |
---|---|---|
1-Day | 2.00% | 3.73% |
1-Month | 12.57% | 27.02% |
1-Year | 13.11% | 13.06% |
3-Year CAGR | 21.09% | 23.04% |
5-Year CAGR | 2.89% | 27.87% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the GRUH 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 GRUH FINANCE the stake stands at 47.4%.
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 GRUH 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%.
GRUH FINANCE paid Rs 2.0, and its dividend payout ratio stood at 32.8%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of GRUH FINANCE.
For a sector overview, read our finance sector report.
Asian share markets are mixed today after US shares extended their losing streak to the longest since January 2024.