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- M&M FINANCIAL SERVICES - HDFC
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 
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
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 | Rs | 442 | 2,500 | 17.7% | |
| Low | Rs | 138 | 1,473 | 9.4% | |
| Income per share (Unadj.) | Rs | 185.5 | 587.3 | 31.6% | |
| Earnings per share (Unadj.) | Rs | 17.6 | 131.8 | 13.3% | |
| Cash flow per share (Unadj.) | Rs | 63.4 | 422.3 | 15.0% | |
| Dividends per share (Unadj.) | Rs | 0 | 21.00 | 0.0% | |
| Avg Dividend yield | % | 0 | 1.1 | 0.0% | |
| Book value per share (Unadj.) | Rs | 193.7 | 730.2 | 26.5% | |
| Shares outstanding (eoy) | m | 617.76 | 1,732.05 | 35.7% | |
| Bonus/Rights/Conversions | - | ESOP | - | ||
| Avg Price / Income ratio | x | 1.6 | 3.4 | 46.3% | |
| Avg P/E ratio | x | 16.5 | 15.1 | 109.6% | |
| Avg P/CF ratio | x | 14.6 | 14.8 | 98.5% | |
| Avg Price/Bookvalue ratio | x | 1.5 | 2.7 | 55.1% | |
| Dividend payout | % | 0 | 15.9 | 0.0% | |
| Avg Mkt Cap | Rs m | 179,398 | 3,440,544 | 5.2% | |
| No. of employees | `000 | 21.9 | 3.1 | 706.4% | |
| Total wages & salary | Rs m | 16,098 | 13,567 | 118.7% | |
| Avg. income/employee | Rs Th | 5,240.9 | 328,677.6 | 1.6% | |
| Avg. wages/employee | Rs Th | 736.4 | 4,383.4 | 16.8% | |
| Avg. net profit/employee | Rs Th | 496.7 | 73,752.7 | 0.7% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 114,576 | 1,017,257 | 11.3% | |
| Other income | Rs m | 1,135 | 702 | 161.7% | |
| Interest expense | Rs m | 53,906 | 321,095 | 16.8% | |
| Net interest income | Rs m | 60,671 | 696,163 | 8.7% | |
| Operating expense | Rs m | 24,590 | 474,201 | 5.2% | |
| Gross profit | Rs m | 36,080 | 221,962 | 16.3% | |
| Gross profit margin | % | 31.5 | 21.8 | 144.3% | |
| Provisions/contingencies | Rs m | 1,469 | 4,626 | 31.8% | |
| Profit before tax | Rs m | 15,561 | 204,472 | 7.6% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 459 | 0 | - | |
| Prior Period Items | Rs m | 0 | 57,461 | 0.0% | |
| Tax | Rs m | 5,162 | 33,668 | 15.3% | |
| Profit after tax | Rs m | 10,858 | 228,265 | 4.8% | |
| Net profit margin | % | 9.5 | 22.4 | 42.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 728,638 | 4,454,962 | 16.4% | |
| Deposits | Rs m | 0 | 1,323,048 | 0.0% | |
| Credit/Deposit ratio | x | NM | 336.7 | - | |
| Yield on advances | % | 11.8 | 9.6 | 123.5% | |
| Cost of deposits | % | N.A. | 9.0 | - | |
| Net Interest Margin | % | 7.8 | 12.8 | 60.8% | |
| Net fixed assets | Rs m | 5,545 | 29,526 | 18.8% | |
| Share capital | Rs m | 1,231 | 3,464 | 35.5% | |
| Free reserves | Rs m | 118,459 | 1,261,328 | 9.4% | |
| Net worth | Rs m | 119,690 | 1,264,792 | 9.5% | |
| Borrowings | Rs m | 333,271 | 1,079,147 | 30.9% | |
| Investments | Rs m | 53,404 | 999,110 | 5.3% | |
| Total assets | Rs m | 817,926 | 7,298,149 | 11.2% | |
| Debt/equity ratio | x | 2.8 | 1.9 | 146.6% | |
| Return on assets | % | 1.3 | 3.1 | 42.4% | |
| Return on equity | % | 9.1 | 18.0 | 50.3% | |
| Capital adequacy ratio | % | 19.6 | 17.6 | 111.4% | |
| Net NPAs | % | 6.0 | 1.5 | 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 m | 60,497 | 387,738 | 15.6% | |
| Net Cashflow | Rs m | 2,454 | 20,152 | 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 | - |
Compare M&M FINANCIAL SERVICES With: LIC HOUSING MAGMA FINCORP L&T FINANCE HOLDINGS DHFL REC
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