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Compare Mahindra Finance with HDFC - Equitymaster

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MAHINDRA FINANCE vs HDFC - Comparison Results

MAHINDRA FINANCE    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

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

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Current Valuations

    MAHINDRA FINANCE HDFC MAHINDRA FINANCE/
HDFC
 
P/E (TTM) x 16.3 21.9 74.5% View Chart
P/BV x 2.5 3.3 74.8% View Chart
Dividend Yield % 0.9 1.1 83.8%  

Financials

 MAHINDRA FINANCE   HDFC
EQUITY SHARE DATA
    MAHINDRA FINANCE
Mar-18
HDFC
Mar-18
MAHINDRA FINANCE/
HDFC
5-Yr Chart
Click to enlarge
High Rs5241,982 26.4%   
Low Rs2901,461 19.9%   
Income per share (Unadj.) Rs138.1385.5 35.8%  
Earnings per share (Unadj.) Rs16.697.0 17.1%  
Cash flow per share (Unadj.) Rs38.9296.1 13.1%  
Dividends per share (Unadj.) Rs4.0020.00 20.0%  
Avg Dividend yield %1.01.2 84.6%  
Book value per share (Unadj.) Rs160.5516.4 31.1%  
Shares outstanding (eoy) m617.761,675.88 36.9%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x2.94.5 66.0%   
Avg P/E ratio x24.617.7 138.4%  
Avg P/CF ratio x10.417.2 60.9%  
Avg Price/Bookvalue ratio x2.53.3 76.1%  
Dividend payout %24.120.6 117.0%   
Avg Mkt Cap Rs m251,4592,884,776 8.7%   
No. of employees `00018.72.6 727.5%   
Total wages & salary Rs m11,57110,481 110.4%   
Avg. income/employee Rs Th4,555.1250,900.4 1.8%   
Avg. wages/employee Rs Th617.74,070.4 15.2%   
Avg. net profit/employee Rs Th546.663,126.1 0.9%   
INCOME DATA
Interest income Rs m85,332646,069 13.2%  
Other income Rs m40445,348 0.9%   
Interest expense Rs m34,263234,524 14.6%   
Net interest income Rs m51,068411,544 12.4%  
Operating expense Rs m21,536299,292 7.2%   
Gross profit Rs m29,532112,252 26.3%  
Gross profit margin %34.617.4 199.2%  
Provisions/contingencies Rs m13,8265,637 245.3%   
Profit before tax Rs m16,110176,025 9.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-275-10,766 2.6%   
Prior Period Items Rs m50737,302 1.4%   
Tax Rs m6,10340,012 15.3%   
Profit after tax Rs m10,239162,550 6.3%  
Net profit margin %12.025.2 47.7%  
BALANCE SHEET DATA
Advances Rs m348,8223,791,728 9.2%   
Deposits Rs m0445,995 0.0%  
Credit/Deposit ratio xNM850.2- 
Yield on advances %21.99.0 244.0%   
Cost of deposits %N.A.6.1-  
Net Interest Margin %14.37.9 180.5%  
Net fixed assets Rs m1,51913,541 11.2%   
Share capital Rs m1,2293,352 36.7%   
Free reserves Rs m97,923862,062 11.4%   
Net worth Rs m99,152865,414 11.5%   
Borrowings Rs m288,9501,171,103 24.7%   
Investments Rs m7,7661,394,864 0.6%   
Total assets Rs m635,3855,627,013 11.3%  
Debt/equity ratio x2.91.9 156.0%   
Return on assets %1.62.9 55.8%  
Return on equity %10.318.8 55.0%  
Capital adequacy ratio %21.919.2 114.1%  
Net NPAs %4.10-  
CASH FLOW
From Operations Rs m-95,351-328,634 29.0%  
From Investments Rs m4,049-237,069 -1.7%  
From Financial Activity Rs m90,391540,279 16.7%  
Net Cashflow Rs m-911-25,423 3.6%  

Share Holding

Indian Promoters % 52.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 10.5 12.4%  
FIIs % 41.4 77.6 53.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 12.0 44.2%  
Shareholders   54,174 175,570 30.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare MAHINDRA FINANCE With:   GIC HOUSING  SHRIRAM TRANSPORT FIN.  RURAL ELECT.  PNB GILTS  GRUH FINANCE  



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