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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - ORACLE CREDIT
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs ORACLE CREDIT - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | ORACLE CREDIT | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ ORACLE CREDIT |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.9 | 33.4 | 50.5% | View Chart |
| P/BV | x | 1.7 | 6.0 | 28.7% | View Chart |
| Dividend Yield | % | 2.3 | 0.3 | 664.1% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  ORACLE CREDIT |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
ORACLE CREDIT Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ ORACLE CREDIT |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 341 | 79.8% | |
| Low | Rs | 158 | 41 | 388.3% | |
| Income per share (Unadj.) | Rs | 102.9 | 28.1 | 367.0% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 9.7 | 173.1% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | 15.6 | 462.5% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 0.50 | 1,200.0% | |
| Avg Dividend yield | % | 2.8 | 0.3 | 1,064.7% | |
| Book value per share (Unadj.) | Rs | 150.1 | 35.2 | 425.9% | |
| Shares outstanding (eoy) | m | 1,233.60 | 6.94 | 17,775.2% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 6.8 | 30.7% | |
| Avg P/E ratio | x | 12.8 | 19.7 | 65.1% | |
| Avg P/CF ratio | x | 12.7 | 10.4 | 121.6% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 5.4 | 26.5% | |
| Dividend payout | % | 35.7 | 5.1 | 693.5% | |
| Avg Mkt Cap | Rs m | 265,378 | 1,324 | 20,040.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 26 | 81,171.5% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 126,995 | 195 | 65,232.8% | |
| Other income | Rs m | 15,570 | 1 | 1,497,134.6% | |
| Interest expense | Rs m | 50,943 | 19 | 269,254.8% | |
| Net interest income | Rs m | 76,052 | 176 | 43,270.5% | |
| Operating expense | Rs m | 61,198 | 67 | 91,027.7% | |
| Gross profit | Rs m | 14,854 | 109 | 13,686.9% | |
| Gross profit margin | % | 11.7 | 55.7 | 21.0% | |
| Provisions/contingencies | Rs m | 248 | 60 | 415.2% | |
| Profit before tax | Rs m | 28,038 | 101 | 27,795.8% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 12 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 7,326 | 34 | 21,860.9% | |
| Profit after tax | Rs m | 20,724 | 67 | 30,766.0% | |
| Net profit margin | % | 16.3 | 34.6 | 47.2% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 34,811 | 0 | - | |
| Deposits | Rs m | 54,587 | 0 | - | |
| Credit/Deposit ratio | x | 63.8 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 9.8 | 0 | - | |
| Net Interest Margin | % | 50.1 | 62.2 | 80.5% | |
| Net fixed assets | Rs m | 8,706 | 120 | 7,278.7% | |
| Share capital | Rs m | 2,467 | 69 | 3,556.1% | |
| Free reserves | Rs m | 182,732 | 175 | 104,269.2% | |
| Net worth | Rs m | 185,199 | 245 | 75,708.9% | |
| Borrowings | Rs m | 50,384 | 384 | 13,130.7% | |
| Investments | Rs m | 116,974 | 282 | 41,408.3% | |
| Total assets | Rs m | 1,043,390 | 758 | 137,643.1% | |
| Debt/equity ratio | x | 0.6 | 1.6 | 36.1% | |
| Return on assets | % | 2.0 | 8.9 | 22.4% | |
| Return on equity | % | 11.2 | 27.5 | 40.6% | |
| Capital adequacy ratio | % | 22.5 | 0 | - | |
| Net NPAs | % | 1.9 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | -236 | 73,621.6% | |
| From Investments | Rs m | -16,354 | -174 | 9,394.4% | |
| From Financial Activity | Rs m | 188,520 | 442 | 42,660.2% | |
| Net Cashflow | Rs m | -1,787 | 32 | -5,662.4% | |
Share Holding
| Indian Promoters | % | 52.2 | 15.7 | 332.4% | |
| Foreign collaborators | % | 0.0 | 15.4 | - | |
| Indian inst/Mut Fund | % | 40.6 | 0.3 | 13,989.7% | |
| FIIs | % | 12.0 | 0.3 | 4,120.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 68.9 | 69.4% | |
| Shareholders | 227,512 | 4,276 | 5,320.7% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on M&M Financial vs ORACLE CREDIT
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 ORACLE CREDIT Share Price Performance
| Period | M&M Financial | ORACLE CREDIT |
|---|---|---|
| 1-Day | 0.16% | -1.48% |
| 1-Month | -5.62% | -4.67% |
| 1-Year | 2.89% | 8.70% |
| 3-Year CAGR | 16.55% | 150.57% |
| 5-Year CAGR | 0.50% | 62.55% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the ORACLE CREDIT share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of ORACLE CREDIT the stake stands at 31.1%.
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 ORACLE CREDIT.
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%.
ORACLE CREDIT paid Rs 0.5, and its dividend payout ratio stood at 5.1%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of ORACLE CREDIT.
For a sector overview, read our finance sector report.
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