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MAHINDRA & MAHINDRA FINANCIAL SERVICES vs SHRIRAM CITY UNION - Comparison Results

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Current Valuations

    MAHINDRA & MAHINDRA FINANCIAL SERVICES SHRIRAM CITY UNION MAHINDRA & MAHINDRA FINANCIAL SERVICES/
SHRIRAM CITY UNION
 
P/E (TTM) x 18.2 9.3 194.8% View Chart
P/BV x 1.9 1.4 132.6% View Chart
Dividend Yield % 2.2 1.9 111.9%  

Financials

 MAHINDRA & MAHINDRA FINANCIAL SERVICES   SHRIRAM CITY UNION
EQUITY SHARE DATA
    MAHINDRA & MAHINDRA FINANCIAL SERVICES
Mar-23
SHRIRAM CITY UNION
Mar-22
MAHINDRA & MAHINDRA FINANCIAL SERVICES/
SHRIRAM CITY UNION
5-Yr Chart
Click to enlarge
High Rs2722,600 10.5%   
Low Rs1581,378 11.5%   
Income per share (Unadj.) Rs102.91,061.5 9.7%  
Earnings per share (Unadj.) Rs16.8172.9 9.7%  
Cash flow per share (Unadj.) Rs72.1-5,605.2 -1.3%  
Dividends per share (Unadj.) Rs6.0037.00 16.2%  
Avg Dividend yield %2.81.9 149.9%  
Book value per share (Unadj.) Rs150.11,379.6 10.9%  
Shares outstanding (eoy) m1,233.6066.63 1,851.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x2.11.9 111.5%   
Avg P/E ratio x12.811.5 111.3%  
Avg P/CF ratio x12.70.3 4,071.9%  
Avg Price/Bookvalue ratio x1.41.4 99.4%  
Dividend payout %35.721.4 166.9%   
Avg Mkt Cap Rs m265,378132,538 200.2%   
No. of employees `000NANA-   
Total wages & salary Rs m21,15310,576 200.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m126,99570,730 179.6%  
Other income Rs m15,57070 22,338.9%   
Interest expense Rs m50,94328,301 180.0%   
Net interest income Rs m76,05242,428 179.2%  
Operating expense Rs m61,19825,950 235.8%   
Gross profit Rs m14,85416,479 90.1%  
Gross profit margin %11.723.3 50.2%  
Provisions/contingencies Rs m248414,981 0.1%   
Profit before tax Rs m28,03815,686 178.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m12-130 -9.2%   
Prior Period Items Rs m00-   
Tax Rs m7,3264,039 181.4%   
Profit after tax Rs m20,72411,518 179.9%  
Net profit margin %16.316.3 100.2%  
BALANCE SHEET DATA
Advances Rs m34,811355,460 9.8%   
Deposits Rs m54,58768,245 80.0%  
Credit/Deposit ratio x63.8520.9 12.2%  
Yield on advances %00-   
Cost of deposits %9.88.0 122.9%   
Net Interest Margin %50.111.5 436.7%  
Net fixed assets Rs m8,7062,514 346.4%   
Share capital Rs m2,467666 370.3%   
Free reserves Rs m182,73291,253 200.2%   
Net worth Rs m185,19991,920 201.5%   
Borrowings Rs m50,38427,264 184.8%   
Investments Rs m116,97414,374 813.8%   
Total assets Rs m1,043,390485,553 214.9%  
Debt/equity ratio x0.61.0 54.6%   
Return on assets %2.02.4 83.7%  
Return on equity %11.212.5 89.3%  
Capital adequacy ratio %22.526.8 84.1%  
Net NPAs %1.93.3 56.7%  
CASH FLOW
From Operations Rs m-173,953-38,613 450.5%  
From Investments Rs m-16,354-1,338 1,222.5%  
From Financial Activity Rs m188,52053,477 352.5%  
Net Cashflow Rs m-1,78713,527 -13.2%  

Share Holding

Indian Promoters % 52.2 36.9 141.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 39.7 33.0 120.2%  
FIIs % 12.7 26.9 47.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 47.8 63.1 75.8%  
Shareholders   239,372 22,900 1,045.3%  
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 SHRIRAM CITY UNION

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 SHRIRAM CITY UNION Share Price Performance

Period M&M Financial SHRIRAM CITY UNION
1-Day 1.68% 0.14%
1-Month -0.96% 4.33%
1-Year 25.87% -0.93%
3-Year CAGR 11.68% 13.37%
5-Year CAGR 1.26% -1.05%

* Compound Annual Growth Rate

Here are more details on the M&M Financial share price and the SHRIRAM CITY UNION share price.

Moving on to shareholding structures...

The promoters of M&M Financial hold a 52.2% stake in the company. In case of SHRIRAM CITY UNION the stake stands at 36.9%.

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 SHRIRAM CITY UNION.

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%.

SHRIRAM CITY UNION paid Rs 37.0, and its dividend payout ratio stood at 21.4%.

You may visit here to review the dividend history of M&M Financial, and the dividend history of SHRIRAM CITY UNION.

For a sector overview, read our finance sector report.



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