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MAHINDRA & MAHINDRA FINANCIAL SERVICES vs HDFC - Comparison Results

Rs 100 invested in...

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Current Valuations

    MAHINDRA & MAHINDRA FINANCIAL SERVICES HDFC MAHINDRA & MAHINDRA FINANCIAL SERVICES/
HDFC
 
P/E (TTM) x 18.2 30.6 59.5% View Chart
P/BV x 1.9 2.5 73.6% View Chart
Dividend Yield % 2.2 1.6 133.5%  

Financials

 MAHINDRA & MAHINDRA FINANCIAL SERVICES   HDFC
EQUITY SHARE DATA
    MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
HDFC
Mar-23
MAHINDRA & MAHINDRA FINANCIAL SERVICES/
HDFC
5-Yr Chart
Click to enlarge
High Rs2722,855 9.5%   
Low Rs1582,027 7.8%   
Income per share (Unadj.) Rs102.9833.7 12.3%  
Earnings per share (Unadj.) Rs16.8142.6 11.8%  
Cash flow per share (Unadj.) Rs72.1692.5 10.4%  
Dividends per share (Unadj.) Rs6.0044.00 13.6%  
Avg Dividend yield %2.81.8 154.7%  
Book value per share (Unadj.) Rs150.11,090.0 13.8%  
Shares outstanding (eoy) m1,233.601,834.56 67.2%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.12.9 71.4%   
Avg P/E ratio x12.817.1 74.8%  
Avg P/CF ratio x12.717.1 74.1%  
Avg Price/Bookvalue ratio x1.42.2 64.0%  
Dividend payout %35.730.9 115.7%   
Avg Mkt Cap Rs m265,3784,478,060 5.9%   
No. of employees `000NANA-   
Total wages & salary Rs m21,15321,600 97.9%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m126,9951,529,403 8.3%  
Other income Rs m15,57021,598 72.1%   
Interest expense Rs m50,943370,286 13.8%   
Net interest income Rs m76,0521,159,117 6.6%  
Operating expense Rs m61,198965,098 6.3%   
Gross profit Rs m14,854194,018 7.7%  
Gross profit margin %11.712.7 92.2%  
Provisions/contingencies Rs m248607 40.9%   
Profit before tax Rs m28,038321,306 8.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m12-15,389 -0.1%   
Prior Period Items Rs m00-   
Tax Rs m7,32644,308 16.5%   
Profit after tax Rs m20,724261,609 7.9%  
Net profit margin %16.317.1 95.4%  
BALANCE SHEET DATA
Advances Rs m34,8116,245,515 0.6%   
Deposits Rs m54,5871,109,979 4.9%  
Credit/Deposit ratio x63.8562.7 11.3%  
Yield on advances %00-   
Cost of deposits %9.89.4 104.8%   
Net Interest Margin %50.111.1 450.4%  
Net fixed assets Rs m8,70698,012 8.9%   
Share capital Rs m2,4673,669 67.2%   
Free reserves Rs m182,7321,996,058 9.2%   
Net worth Rs m185,1991,999,727 9.3%   
Borrowings Rs m50,384876,846 5.7%   
Investments Rs m116,9744,173,582 2.8%   
Total assets Rs m1,043,39010,897,807 9.6%  
Debt/equity ratio x0.61.0 57.0%   
Return on assets %2.02.4 82.7%  
Return on equity %11.213.1 85.5%  
Capital adequacy ratio %22.50-  
Net NPAs %1.90-  
CASH FLOW
From Operations Rs m-173,953-473,285 36.8%  
From Investments Rs m-16,354-215,235 7.6%  
From Financial Activity Rs m188,520693,206 27.2%  
Net Cashflow Rs m-1,7874,687 -38.1%  

Share Holding

Indian Promoters % 52.2 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 39.7 87.9 45.2%  
FIIs % 12.7 63.6 20.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 47.8 100.0 47.8%  
Shareholders   239,372 720,777 33.2%  
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 HDFC

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 HDFC Share Price Performance

Period M&M Financial HDFC
1-Day 1.68% -0.62%
1-Month -0.96% 3.39%
1-Year 25.87% 22.62%
3-Year CAGR 11.68% 13.92%
5-Year CAGR 1.26% 6.83%

* Compound Annual Growth Rate

Here are more details on the M&M Financial share price and the HDFC share price.

Moving on to shareholding structures...

The promoters of M&M Financial hold a 52.2% stake in the company. In case of HDFC the stake stands at 0.0%.

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 HDFC.

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%.

HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.

You may visit here to review the dividend history of M&M Financial, and the dividend history of HDFC.

For a sector overview, read our finance sector report.



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