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MAHINDRA & MAHINDRA FINANCIAL SERVICES vs PNB GILTS - Comparison Results

Rs 100 invested in...

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Current Valuations

    MAHINDRA & MAHINDRA FINANCIAL SERVICES PNB GILTS MAHINDRA & MAHINDRA FINANCIAL SERVICES/
PNB GILTS
 
P/E (TTM) x 18.2 131.4 13.8% View Chart
P/BV x 1.9 1.5 120.7% View Chart
Dividend Yield % 2.2 0.0 -  

Financials

 MAHINDRA & MAHINDRA FINANCIAL SERVICES   PNB GILTS
EQUITY SHARE DATA
    MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
PNB GILTS
Mar-23
MAHINDRA & MAHINDRA FINANCIAL SERVICES/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs27279 344.5%   
Low Rs15855 286.4%   
Income per share (Unadj.) Rs102.968.3 150.7%  
Earnings per share (Unadj.) Rs16.8-4.3 -391.6%  
Cash flow per share (Unadj.) Rs72.112.0 599.9%  
Dividends per share (Unadj.) Rs6.000-  
Avg Dividend yield %2.80-  
Book value per share (Unadj.) Rs150.170.0 214.5%  
Shares outstanding (eoy) m1,233.60180.01 685.3%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.11.0 212.8%   
Avg P/E ratio x12.8-15.6 -81.9%  
Avg P/CF ratio x12.7-37.3 -33.9%  
Avg Price/Bookvalue ratio x1.41.0 149.5%  
Dividend payout %35.70-   
Avg Mkt Cap Rs m265,37812,079 2,197.1%   
No. of employees `000NANA-   
Total wages & salary Rs m21,153116 18,281.3%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m126,99512,298 1,032.7%  
Other income Rs m15,5706 254,415.0%   
Interest expense Rs m50,9439,756 522.2%   
Net interest income Rs m76,0522,542 2,991.7%  
Operating expense Rs m61,1983,464 1,766.8%   
Gross profit Rs m14,854-922 -1,611.7%  
Gross profit margin %11.7-7.5 -156.1%  
Provisions/contingencies Rs m248448 55.4%   
Profit before tax Rs m28,038-851 -3,296.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m120-   
Prior Period Items Rs m00-   
Tax Rs m7,326-78 -9,339.1%   
Profit after tax Rs m20,724-772 -2,683.7%  
Net profit margin %16.3-6.3 -259.9%  
BALANCE SHEET DATA
Advances Rs m34,8110-   
Deposits Rs m54,5870-  
Credit/Deposit ratio x63.80- 
Yield on advances %00-  
Cost of deposits %9.80-  
Net Interest Margin %50.11.4 3,685.4%  
Net fixed assets Rs m8,70670 12,394.6%   
Share capital Rs m2,4671,800 137.1%   
Free reserves Rs m182,73210,800 1,692.0%   
Net worth Rs m185,19912,600 1,469.8%   
Borrowings Rs m50,384192,384 26.2%   
Investments Rs m116,974186,979 62.6%   
Total assets Rs m1,043,390214,872 485.6%  
Debt/equity ratio x0.615.3 3.7%   
Return on assets %2.0-0.4 -552.7%  
Return on equity %11.2-6.1 -182.6%  
Capital adequacy ratio %22.531.8 70.8%  
Net NPAs %1.90-  
CASH FLOW
From Operations Rs m-173,953-46,383 375.0%  
From Investments Rs m-16,354-144 11,338.6%  
From Financial Activity Rs m188,52046,180 408.2%  
Net Cashflow Rs m-1,787-347 514.1%  

Share Holding

Indian Promoters % 52.2 74.1 70.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 39.7 0.0 396,900.0%  
FIIs % 12.7 0.0 127,200.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 47.8 25.9 184.5%  
Shareholders   239,372 81,673 293.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDIABULLS HOU. FIN.    


More on M&M Financial vs PNB GILTS

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 PNB GILTS Share Price Performance

Period M&M Financial PNB GILTS
1-Day 1.60% 1.70%
1-Month -1.03% -1.91%
1-Year 25.78% 93.09%
3-Year CAGR 11.66% 31.46%
5-Year CAGR 1.24% 27.54%

* Compound Annual Growth Rate

Here are more details on the M&M Financial share price and the PNB GILTS share price.

Moving on to shareholding structures...

The promoters of M&M Financial hold a 52.2% stake in the company. In case of PNB GILTS the stake stands at 74.1%.

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 PNB GILTS.

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%.

PNB GILTS paid Rs 0.0, and its dividend payout ratio stood at -0.0%.

You may visit here to review the dividend history of M&M Financial, and the dividend history of PNB GILTS.

For a sector overview, read our finance sector report.



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