Compare M&M Financial with PNB GILTS - Equitymaster

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M&M FINANCIAL SERVICES vs PNB GILTS - 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

PNB GILTS 
   Change

PNB Gilts, is a 78% subsidiary of Punjab National Bank. The company undertakes more than 90% of its operations in government securities. Its range of products and services offered includes : Treasury bills, PSU bonds, Merchant banking, etc. In additi... More

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Current Valuations

    M&M FINANCIAL SERVICES PNB GILTS M&M FINANCIAL SERVICES/
PNB GILTS
 
P/E (TTM) x 8.2 7.2 114.6% View Chart
P/BV x 0.7 1.2 62.2% View Chart
Dividend Yield % 0.0 1.8 -  

Financials

 M&M FINANCIAL SERVICES   PNB GILTS
EQUITY SHARE DATA
    M&M FINANCIAL SERVICES
Mar-20
PNB GILTS
Mar-18
M&M FINANCIAL SERVICES/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs44260 737.3%   
Low Rs13834 411.9%   
Income per share (Unadj.) Rs185.518.3 1,014.2%  
Earnings per share (Unadj.) Rs17.62.0 864.9%  
Cash flow per share (Unadj.) Rs63.43.9 1,634.7%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs193.749.0 395.8%  
Shares outstanding (eoy) m617.76180.01 343.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.62.6 61.2%   
Avg P/E ratio x16.523.0 71.7%  
Avg P/CF ratio x14.623.0 63.2%  
Avg Price/Bookvalue ratio x1.51.0 156.8%  
Dividend payout %049.2 0.0%   
Avg Mkt Cap Rs m179,3988,424 2,129.5%   
No. of employees `00021.9NA 60,727.8%   
Total wages & salary Rs m16,09878 20,718.4%   
Avg. income/employee Rs Th5,240.991,441.7 5.7%   
Avg. wages/employee Rs Th736.42,158.3 34.1%   
Avg. net profit/employee Rs Th496.710,161.1 4.9%   
INCOME DATA
Interest income Rs m114,5763,292 3,480.5%  
Other income Rs m1,1353 35,468.8%   
Interest expense Rs m53,9063,307 1,629.9%   
Net interest income Rs m60,671-15 -396,539.2%  
Operating expense Rs m24,590145 16,970.4%   
Gross profit Rs m36,080-160 -22,522.1%  
Gross profit margin %31.5-4.9 -647.1%  
Provisions/contingencies Rs m1,4690-   
Profit before tax Rs m15,561553 2,815.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m4590-   
Prior Period Items Rs m00-   
Tax Rs m5,162187 2,760.5%   
Profit after tax Rs m10,858366 2,968.3%  
Net profit margin %9.511.1 85.3%  
BALANCE SHEET DATA
Advances Rs m728,638152 479,998.6%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %11.80-   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %7.8-0.2 -4,311.2%  
Net fixed assets Rs m5,54528 19,876.0%   
Share capital Rs m1,2311,800 68.4%   
Free reserves Rs m118,4597,013 1,689.3%   
Net worth Rs m119,6908,813 1,358.2%   
Borrowings Rs m333,27143,687 762.9%   
Investments Rs m53,4048,351 639.5%   
Total assets Rs m817,92653,858 1,518.7%  
Debt/equity ratio x2.85.0 56.2%   
Return on assets %1.30.7 195.5%  
Return on equity %9.14.2 218.6%  
Capital adequacy ratio %19.667.1 29.2%  
Net NPAs %6.00-  
CASH FLOW
From Operations Rs m-31,152-3,028 1,028.8%  
From Investments Rs m-26,891-3,928 684.6%  
From Financial Activity Rs m60,4978,006 755.7%  
Net Cashflow Rs m2,4541,050 233.7%  

Share Holding

Indian Promoters % 52.1 74.1 70.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 1.3 2.2 59.1%  
FIIs % 41.4 0.1 41,400.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.3 23.6 22.5%  
Shareholders   54,174 29,479 183.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare M&M FINANCIAL SERVICES With:   POWER FINANCE CORPORATION  L&T FINANCE HOLDINGS  JM FINANCIAL  LIC HOUSING  SHRIRAM CITY UNION  



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May 14, 2021 03:29 PM

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