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MAHINDRA & MAHINDRA FINANCIAL SERVICES vs GRUH FINANCE - Comparison Results

Rs 100 invested in...

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Current Valuations

    MAHINDRA & MAHINDRA FINANCIAL SERVICES GRUH FINANCE MAHINDRA & MAHINDRA FINANCIAL SERVICES/
GRUH FINANCE
 
P/E (TTM) x 18.2 52.0 34.9% View Chart
P/BV x 1.9 12.4 15.0% View Chart
Dividend Yield % 2.2 0.6 341.5%  

Financials

 MAHINDRA & MAHINDRA FINANCIAL SERVICES   GRUH FINANCE
EQUITY SHARE DATA
    MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
GRUH FINANCE
Mar-19
MAHINDRA & MAHINDRA FINANCIAL SERVICES/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs272382 71.2%   
Low Rs158205 77.3%   
Income per share (Unadj.) Rs102.927.6 372.8%  
Earnings per share (Unadj.) Rs16.86.1 275.6%  
Cash flow per share (Unadj.) Rs72.110.1 712.2%  
Dividends per share (Unadj.) Rs6.002.00 300.0%  
Avg Dividend yield %2.80.7 409.0%  
Book value per share (Unadj.) Rs150.125.6 585.6%  
Shares outstanding (eoy) m1,233.60733.69 168.1%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.110.6 19.7%   
Avg P/E ratio x12.848.1 26.6%  
Avg P/CF ratio x12.748.1 26.3%  
Avg Price/Bookvalue ratio x1.411.4 12.5%  
Dividend payout %35.732.8 108.8%   
Avg Mkt Cap Rs m265,378215,172 123.3%   
No. of employees `000NANA-   
Total wages & salary Rs m21,153648 3,266.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m126,99520,262 626.8%  
Other income Rs m15,570216 7,205.1%   
Interest expense Rs m50,94313,012 391.5%   
Net interest income Rs m76,0527,250 1,049.0%  
Operating expense Rs m61,1981,282 4,775.1%   
Gross profit Rs m14,8545,968 248.9%  
Gross profit margin %11.729.5 39.7%  
Provisions/contingencies Rs m2480-   
Profit before tax Rs m28,0386,150 455.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m120-   
Prior Period Items Rs m00-   
Tax Rs m7,3261,678 436.5%   
Profit after tax Rs m20,7244,472 463.4%  
Net profit margin %16.322.1 73.9%  
BALANCE SHEET DATA
Advances Rs m34,811172,883 20.1%   
Deposits Rs m54,5870-  
Credit/Deposit ratio x63.80- 
Yield on advances %00-   
Cost of deposits %9.80-  
Net Interest Margin %50.13.9 1,270.5%  
Net fixed assets Rs m8,706151 5,750.3%   
Share capital Rs m2,4671,467 168.1%   
Free reserves Rs m182,73217,342 1,053.7%   
Net worth Rs m185,19918,809 984.6%   
Borrowings Rs m50,384150,129 33.6%   
Investments Rs m116,97410,945 1,068.7%   
Total assets Rs m1,043,390195,417 533.9%  
Debt/equity ratio x0.68.0 7.1%   
Return on assets %2.02.3 86.8%  
Return on equity %11.223.8 47.1%  
Capital adequacy ratio %22.520.3 110.9%  
Net NPAs %1.90.4 534.3%  
CASH FLOW
From Operations Rs m-173,953-14,322 1,214.6%  
From Investments Rs m-16,354491 -3,330.0%  
From Financial Activity Rs m188,52024,184 779.5%  
Net Cashflow Rs m-1,78710,354 -17.3%  

Share Holding

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 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on M&M Financial vs GRUH 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 GRUH FINANCE Share Price Performance

Period M&M Financial GRUH FINANCE
1-Day 1.68% 3.73%
1-Month -0.96% 27.02%
1-Year 25.87% 13.06%
3-Year CAGR 11.68% 23.04%
5-Year CAGR 1.26% 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.



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