Compare Mahindra Finance 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 15.2 3.6 416.9% View Chart
P/BV x 1.7 0.6 282.1% View Chart
Dividend Yield % 2.0 3.5 56.9%  

Financials

 M&M FINANCIAL SERVICES   PNB GILTS
EQUITY SHARE DATA
    M&M FINANCIAL SERVICES
Mar-19
PNB GILTS
Mar-18
M&M FINANCIAL SERVICES/
PNB GILTS
5-Yr Chart
Click to enlarge
High Rs53860 895.8%   
Low Rs35134 1,044.6%   
Income per share (Unadj.) Rs161.418.3 882.5%  
Earnings per share (Unadj.) Rs30.22.0 1,487.5%  
Cash flow per share (Unadj.) Rs80.43.9 2,075.6%  
Dividends per share (Unadj.) Rs6.501.00 650.0%  
Avg Dividend yield %1.52.1 68.5%  
Book value per share (Unadj.) Rs182.449.0 372.6%  
Shares outstanding (eoy) m617.76180.01 343.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x2.82.6 107.6%   
Avg P/E ratio x14.723.0 63.8%  
Avg P/CF ratio x13.623.0 59.0%  
Avg Price/Bookvalue ratio x2.41.0 254.8%  
Dividend payout %21.549.2 43.7%   
Avg Mkt Cap Rs m274,4408,424 3,257.7%   
No. of employees `00021.8NA 60,525.0%   
Total wages & salary Rs m14,78078 19,021.2%   
Avg. income/employee Rs Th4,575.591,441.7 5.0%   
Avg. wages/employee Rs Th678.32,158.3 31.4%   
Avg. net profit/employee Rs Th857.010,161.1 8.4%   
INCOME DATA
Interest income Rs m99,6953,292 3,028.5%  
Other income Rs m5923 18,484.4%   
Interest expense Rs m44,3233,307 1,340.2%   
Net interest income Rs m55,373-15 -361,911.8%  
Operating expense Rs m22,824145 15,751.7%   
Gross profit Rs m32,548-160 -20,317.3%  
Gross profit margin %32.6-4.9 -670.9%  
Provisions/contingencies Rs m1,5330-   
Profit before tax Rs m27,938553 5,054.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m4690-   
Prior Period Items Rs m00-   
Tax Rs m9,735187 5,205.8%   
Profit after tax Rs m18,673366 5,104.6%  
Net profit margin %18.711.1 168.6%  
BALANCE SHEET DATA
Advances Rs m689,390152 454,143.6%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %12.50-   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %7.7-0.2 -4,258.1%  
Net fixed assets Rs m1,09828 3,936.6%   
Share capital Rs m1,2301,800 68.3%   
Free reserves Rs m111,4607,013 1,589.5%   
Net worth Rs m112,6908,813 1,278.7%   
Borrowings Rs m246,32743,687 563.9%   
Investments Rs m33,2748,351 398.5%   
Total assets Rs m745,76053,858 1,384.7%  
Debt/equity ratio x2.25.0 44.1%   
Return on assets %2.50.7 368.7%  
Return on equity %16.64.2 399.2%  
Capital adequacy ratio %20.367.1 30.3%  
Net NPAs %5.30-  
CASH FLOW
From Operations Rs m-120,779-3,028 3,988.9%  
From Investments Rs m-12,131-3,928 308.8%  
From Financial Activity Rs m134,8958,006 1,685.0%  
Net Cashflow Rs m1,9851,050 189.1%  

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:   DHFL  RURAL ELECTRIFICATION  POWER FINANCE CORPORATION  GRUH FINANCE  CAPITAL FIRST  



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Related Views on News

PNB GILTS Announces Quarterly Results (3QFY19); Net Profit Up 770.8% (Quarterly Result Update)

Feb 22, 2019 | Updated on Feb 22, 2019

For the quarter ended December 2018, PNB GILTS has posted a net profit of Rs 933 m (up 770.8% YoY). Sales on the other hand came in at Rs 2 bn (up 196.1% YoY). Read on for a complete analysis of PNB GILTS's quarterly results.

MAHINDRA FINANCE Announces Quarterly Results (3QFY19); Net Profit Down 12.7% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, MAHINDRA FINANCE has posted a net profit of Rs 3 bn (down 12.7% YoY). Sales on the other hand came in at Rs 22 bn (up 1.8% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.

PNB GILTS Announces Quarterly Results (2QFY19); Net Profit Down 23.4% (Quarterly Result Update)

Nov 29, 2018 | Updated on Nov 29, 2018

For the quarter ended September 2018, PNB GILTS has posted a net profit of Rs 111 m (down 23.4% YoY). Sales on the other hand came in at Rs 1 bn (up 2.5% YoY). Read on for a complete analysis of PNB GILTS's quarterly results.

MAHINDRA FINANCE Announces Quarterly Results (2QFY19); Net Profit Up 278.8% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, MAHINDRA FINANCE has posted a net profit of Rs 4 bn (up 278.8% YoY). Sales on the other hand came in at Rs 21 bn (up 6.3% YoY). Read on for a complete analysis of MAHINDRA FINANCE's quarterly results.

PNB GILTS Announces Quarterly Results (1QFY19); Net Profit Down 276.2% (Quarterly Result Update)

Aug 22, 2018 | Updated on Aug 22, 2018

For the quarter ended June 2018, PNB GILTS has posted a net profit of Rs 442 m (down 276.2% YoY). Sales on the other hand came in at Rs 415 m (down 66.3% YoY). Read on for a complete analysis of PNB GILTS's quarterly results.

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