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M&M FINANCIAL SERVICES vs LIC HOUSING - 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

LIC HOUSING 
   Change

LICHF is a key player in the housing finance industry in India with around 9% market share. It was promoted in 1989 by LIC (with a 40% stake). Its capital adequacy ratio stood at 16.7% at the end of FY12, as against a requirement of 12%. The company ... More

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Current Valuations

    M&M FINANCIAL SERVICES LIC HOUSING M&M FINANCIAL SERVICES/
LIC HOUSING
 
P/E (TTM) x 8.3 9.0 91.9% View Chart
P/BV x 0.7 1.2 61.0% View Chart
Dividend Yield % 0.0 1.9 -  

Financials

 M&M FINANCIAL SERVICES   LIC HOUSING
EQUITY SHARE DATA
    M&M FINANCIAL SERVICES
Mar-20
LIC HOUSING
Mar-20
M&M FINANCIAL SERVICES/
LIC HOUSING
5-Yr Chart
Click to enlarge
High Rs442587 75.4%   
Low Rs138186 74.4%   
Income per share (Unadj.) Rs185.5388.7 47.7%  
Earnings per share (Unadj.) Rs17.647.5 37.0%  
Cash flow per share (Unadj.) Rs63.473.7 85.9%  
Dividends per share (Unadj.) Rs08.00 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs193.7361.9 53.5%  
Shares outstanding (eoy) m617.76504.66 122.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.61.0 157.5%   
Avg P/E ratio x16.58.1 203.1%  
Avg P/CF ratio x14.67.8 185.9%  
Avg Price/Bookvalue ratio x1.51.1 140.4%  
Dividend payout %016.8 0.0%   
Avg Mkt Cap Rs m179,398195,001 92.0%   
No. of employees `00021.92.4 914.0%   
Total wages & salary Rs m16,0983,276 491.4%   
Avg. income/employee Rs Th5,240.981,999.8 6.4%   
Avg. wages/employee Rs Th736.41,369.6 53.8%   
Avg. net profit/employee Rs Th496.710,019.4 5.0%   
INCOME DATA
Interest income Rs m114,576196,144 58.4%  
Other income Rs m1,135-292 -388.4%   
Interest expense Rs m53,906147,814 36.5%   
Net interest income Rs m60,67148,329 125.5%  
Operating expense Rs m24,5905,405 454.9%   
Gross profit Rs m36,08042,924 84.1%  
Gross profit margin %31.521.9 143.9%  
Provisions/contingencies Rs m1,469949 154.8%   
Profit before tax Rs m15,56132,750 47.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m459-4 -11,475.0%   
Prior Period Items Rs m05 0.0%   
Tax Rs m5,1628,785 58.8%   
Profit after tax Rs m10,85823,966 45.3%  
Net profit margin %9.512.2 77.6%  
BALANCE SHEET DATA
Advances Rs m728,6382,079,745 35.0%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %11.89.5 124.6%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %7.82.3 342.7%  
Net fixed assets Rs m5,5452,951 187.9%   
Share capital Rs m1,2311,010 121.9%   
Free reserves Rs m118,459181,639 65.2%   
Net worth Rs m119,690182,649 65.5%   
Borrowings Rs m333,2711,320,823 25.2%   
Investments Rs m53,40454,847 97.4%   
Total assets Rs m817,9262,169,197 37.7%  
Debt/equity ratio x2.87.2 38.5%   
Return on assets %1.31.1 120.2%  
Return on equity %9.113.1 69.1%  
Capital adequacy ratio %19.613.9 141.1%  
Net NPAs %6.02.0 300.5%  
CASH FLOW
From Operations Rs m-31,152-147,377 21.1%  
From Investments Rs m-26,891-18,514 145.2%  
From Financial Activity Rs m60,497151,555 39.9%  
Net Cashflow Rs m2,454-14,336 -17.1%  

Share Holding

Indian Promoters % 52.1 40.3 129.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 7.0 18.6%  
FIIs % 41.4 38.0 108.9%  
ADR/GDR % 0.0 0.6 -  
Free float % 5.3 14.2 37.3%  
Shareholders   54,174 159,214 34.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare M&M FINANCIAL SERVICES With:   IFCI  GIC HOUSING  CAPITAL FIRST  PNB GILTS  HDFC  



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