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M&M FINANCIAL SERVICES vs GRUH FINANCE - Comparison Results

M&M FINANCIAL SERVICES     Change

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

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Current Valuations

    M&M FINANCIAL SERVICES GRUH FINANCE M&M FINANCIAL SERVICES/
GRUH FINANCE
 
P/E (TTM) x 11.2 51.8 21.7% View Chart
P/BV x 1.0 16.8 5.8% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 M&M FINANCIAL SERVICES   GRUH FINANCE
EQUITY SHARE DATA
    M&M FINANCIAL SERVICES
Mar-20
GRUH FINANCE
Mar-18
M&M FINANCIAL SERVICES/
GRUH FINANCE
5-Yr Chart
Click to enlarge
High Rs442714 62.0%   
Low Rs138368 37.6%   
Income per share (Unadj.) Rs185.546.1 402.0%  
Earnings per share (Unadj.) Rs17.69.9 177.2%  
Cash flow per share (Unadj.) Rs63.418.1 350.5%  
Dividends per share (Unadj.) Rs03.30 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs193.737.8 513.1%  
Shares outstanding (eoy) m617.76365.72 168.9%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.611.7 13.4%   
Avg P/E ratio x16.554.5 30.3%  
Avg P/CF ratio x14.649.0 29.7%  
Avg Price/Bookvalue ratio x1.514.3 10.5%  
Dividend payout %033.3 0.0%   
Avg Mkt Cap Rs m179,398197,727 90.7%   
No. of employees `00021.90.7 3,159.2%   
Total wages & salary Rs m16,098545 2,953.3%   
Avg. income/employee Rs Th5,240.924,381.4 21.5%   
Avg. wages/employee Rs Th736.4787.7 93.5%   
Avg. net profit/employee Rs Th496.75,241.0 9.5%   
INCOME DATA
Interest income Rs m114,57616,872 679.1%  
Other income Rs m1,135538 211.1%   
Interest expense Rs m53,9069,825 548.7%   
Net interest income Rs m60,6717,047 860.9%  
Operating expense Rs m24,5901,396 1,761.7%   
Gross profit Rs m36,0805,652 638.4%  
Gross profit margin %31.533.5 94.0%  
Provisions/contingencies Rs m1,469406 362.2%   
Profit before tax Rs m15,5615,621 276.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m4590-   
Prior Period Items Rs m00-   
Tax Rs m5,1621,994 258.9%   
Profit after tax Rs m10,8583,627 299.4%  
Net profit margin %9.521.5 44.1%  
BALANCE SHEET DATA
Advances Rs m728,638157,206 463.5%   
Deposits Rs m010,122 0.0%  
Credit/Deposit ratio xNM1,553.0- 
Yield on advances %11.810.2 116.0%   
Cost of deposits %N.A.12.5-  
Net Interest Margin %7.84.5 174.0%  
Net fixed assets Rs m5,545154 3,596.2%   
Share capital Rs m1,231731 168.3%   
Free reserves Rs m118,45913,078 905.8%   
Net worth Rs m119,69013,809 866.7%   
Borrowings Rs m333,27166,655 500.0%   
Investments Rs m53,404830 6,431.8%   
Total assets Rs m817,926159,710 512.1%  
Debt/equity ratio x2.85.6 50.1%   
Return on assets %1.32.3 58.5%  
Return on equity %9.126.3 34.5%  
Capital adequacy ratio %19.618.9 103.7%  
Net NPAs %6.00-  
CASH FLOW
From Operations Rs m-31,152-19,296 161.4%  
From Investments Rs m-26,89149 -54,656.5%  
From Financial Activity Rs m60,49719,314 313.2%  
Net Cashflow Rs m2,45468 3,624.5%  

Share Holding

Indian Promoters % 52.1 59.4 87.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 0.4 325.0%  
FIIs % 41.4 15.9 260.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 24.3 21.8%  
Shareholders   54,174 18,801 288.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare M&M FINANCIAL SERVICES With:   HDFC  GIC HOUSING  REC  SREI INFRA FINANCE  SHRIRAM TRANSPORT  



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Feb 26, 2021 12:20 PM

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