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M&M FINANCIAL SERVICES vs HDFC - 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

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

    M&M FINANCIAL SERVICES HDFC M&M FINANCIAL SERVICES/
HDFC
 
P/E (TTM) x 11.1 39.6 28.1% View Chart
P/BV x 1.0 3.5 28.0% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 M&M FINANCIAL SERVICES   HDFC
EQUITY SHARE DATA
    M&M FINANCIAL SERVICES
Mar-20
HDFC
Mar-20
M&M FINANCIAL SERVICES/
HDFC
5-Yr Chart
Click to enlarge
High Rs4422,500 17.7%   
Low Rs1381,473 9.4%   
Income per share (Unadj.) Rs185.5587.3 31.6%  
Earnings per share (Unadj.) Rs17.6131.8 13.3%  
Cash flow per share (Unadj.) Rs63.4422.3 15.0%  
Dividends per share (Unadj.) Rs021.00 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs193.7730.2 26.5%  
Shares outstanding (eoy) m617.761,732.05 35.7%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x1.63.4 46.3%   
Avg P/E ratio x16.515.1 109.6%  
Avg P/CF ratio x14.614.8 98.5%  
Avg Price/Bookvalue ratio x1.52.7 55.1%  
Dividend payout %015.9 0.0%   
Avg Mkt Cap Rs m179,3983,440,544 5.2%   
No. of employees `00021.93.1 706.4%   
Total wages & salary Rs m16,09813,567 118.7%   
Avg. income/employee Rs Th5,240.9328,677.6 1.6%   
Avg. wages/employee Rs Th736.44,383.4 16.8%   
Avg. net profit/employee Rs Th496.773,752.7 0.7%   
INCOME DATA
Interest income Rs m114,5761,017,257 11.3%  
Other income Rs m1,135702 161.7%   
Interest expense Rs m53,906321,095 16.8%   
Net interest income Rs m60,671696,163 8.7%  
Operating expense Rs m24,590474,201 5.2%   
Gross profit Rs m36,080221,962 16.3%  
Gross profit margin %31.521.8 144.3%  
Provisions/contingencies Rs m1,4694,626 31.8%   
Profit before tax Rs m15,561204,472 7.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m4590-   
Prior Period Items Rs m057,461 0.0%   
Tax Rs m5,16233,668 15.3%   
Profit after tax Rs m10,858228,265 4.8%  
Net profit margin %9.522.4 42.2%  
BALANCE SHEET DATA
Advances Rs m728,6384,454,962 16.4%   
Deposits Rs m01,323,048 0.0%  
Credit/Deposit ratio xNM336.7- 
Yield on advances %11.89.6 123.5%   
Cost of deposits %N.A.9.0-  
Net Interest Margin %7.812.8 60.8%  
Net fixed assets Rs m5,54529,526 18.8%   
Share capital Rs m1,2313,464 35.5%   
Free reserves Rs m118,4591,261,328 9.4%   
Net worth Rs m119,6901,264,792 9.5%   
Borrowings Rs m333,2711,079,147 30.9%   
Investments Rs m53,404999,110 5.3%   
Total assets Rs m817,9267,298,149 11.2%  
Debt/equity ratio x2.81.9 146.6%   
Return on assets %1.33.1 42.4%  
Return on equity %9.118.0 50.3%  
Capital adequacy ratio %19.617.6 111.4%  
Net NPAs %6.01.5 401.3%  
CASH FLOW
From Operations Rs m-31,152-268,850 11.6%  
From Investments Rs m-26,891-98,737 27.2%  
From Financial Activity Rs m60,497387,738 15.6%  
Net Cashflow Rs m2,45420,152 12.2%  

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 M&M FINANCIAL SERVICES With:   LIC HOUSING  MAGMA FINCORP  L&T FINANCE HOLDINGS  DHFL  REC  



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