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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - PAISALO DIGITAL
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs PAISALO DIGITAL - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | PAISALO DIGITAL | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ PAISALO DIGITAL |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 16.7 | 42.4 | 39.4% | View Chart |
| P/BV | x | 1.7 | 5.9 | 28.7% | View Chart |
| Dividend Yield | % | 2.3 | 0.1 | 1,805.4% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  PAISALO DIGITAL |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-23 |
PAISALO DIGITAL Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ PAISALO DIGITAL |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 272 | 97 | 279.8% | |
| Low | Rs | 158 | 50 | 319.6% | |
| Income per share (Unadj.) | Rs | 102.9 | 10.5 | 976.9% | |
| Earnings per share (Unadj.) | Rs | 16.8 | 2.1 | 805.8% | |
| Cash flow per share (Unadj.) | Rs | 72.1 | -18.2 | -395.9% | |
| Dividends per share (Unadj.) | Rs | 6.00 | 0.10 | 6,000.0% | |
| Avg Dividend yield | % | 2.8 | 0.1 | 2,046.1% | |
| Book value per share (Unadj.) | Rs | 150.1 | 25.9 | 579.9% | |
| Shares outstanding (eoy) | m | 1,233.60 | 449.02 | 274.7% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.1 | 7.0 | 30.0% | |
| Avg P/E ratio | x | 12.8 | 35.2 | 36.4% | |
| Avg P/CF ratio | x | 12.7 | 2.8 | 449.2% | |
| Avg Price/Bookvalue ratio | x | 1.4 | 2.8 | 50.6% | |
| Dividend payout | % | 35.7 | 4.8 | 744.6% | |
| Avg Mkt Cap | Rs m | 265,378 | 32,940 | 805.6% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 21,153 | 283 | 7,466.0% | |
| 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 | 4,732 | 2,683.8% | |
| Other income | Rs m | 15,570 | 1 | 1,206,992.2% | |
| Interest expense | Rs m | 50,943 | 2,087 | 2,441.3% | |
| Net interest income | Rs m | 76,052 | 2,645 | 2,875.1% | |
| Operating expense | Rs m | 61,198 | 1,313 | 4,659.6% | |
| Gross profit | Rs m | 14,854 | 1,332 | 1,115.3% | |
| Gross profit margin | % | 11.7 | 28.1 | 41.6% | |
| Provisions/contingencies | Rs m | 248 | 10,759 | 2.3% | |
| Profit before tax | Rs m | 28,038 | 1,262 | 2,221.0% | |
| 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 | 326 | 2,245.8% | |
| Profit after tax | Rs m | 20,724 | 936 | 2,213.7% | |
| Net profit margin | % | 16.3 | 19.8 | 82.5% | |
| 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 | 1,005.5 | 5.0% | |
| Net fixed assets | Rs m | 8,706 | 663 | 1,313.6% | |
| Share capital | Rs m | 2,467 | 449 | 549.4% | |
| Free reserves | Rs m | 182,732 | 11,176 | 1,635.0% | |
| Net worth | Rs m | 185,199 | 11,625 | 1,593.1% | |
| Borrowings | Rs m | 50,384 | 10,427 | 483.2% | |
| Investments | Rs m | 116,974 | 263 | 44,466.8% | |
| Total assets | Rs m | 1,043,390 | 34,364 | 3,036.3% | |
| Debt/equity ratio | x | 0.6 | 0.9 | 63.2% | |
| Return on assets | % | 2.0 | 2.7 | 72.9% | |
| Return on equity | % | 11.2 | 8.1 | 139.0% | |
| Capital adequacy ratio | % | 22.5 | 40.3 | 55.8% | |
| Net NPAs | % | 1.9 | 0 | 9,350.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -173,953 | -4,522 | 3,847.1% | |
| From Investments | Rs m | -16,354 | -51 | 32,230.4% | |
| From Financial Activity | Rs m | 188,520 | 4,760 | 3,960.4% | |
| Net Cashflow | Rs m | -1,787 | 188 | -951.8% | |
Share Holding
| Indian Promoters | % | 52.2 | 50.4 | 103.6% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 40.6 | 27.9 | 145.2% | |
| FIIs | % | 12.0 | 15.1 | 79.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 49.6 | 96.4% | |
| Shareholders | 227,512 | 52,323 | 434.8% | ||
| Pledged promoter(s) holding | % | 0.0 | 18.5 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS EDELWEISS FINANCIAL
More on M&M Financial vs Paisalo Digital
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 Paisalo Digital Share Price Performance
| Period | M&M Financial | Paisalo Digital |
|---|---|---|
| 1-Day | -0.81% | 1.52% |
| 1-Month | -6.54% | 22.51% |
| 1-Year | 1.93% | 197.30% |
| 3-Year CAGR | 16.18% | 34.83% |
| 5-Year CAGR | 0.17% | 37.81% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the Paisalo Digital share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of Paisalo Digital the stake stands at 50.4%.
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 Paisalo Digital.
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%.
Paisalo Digital paid Rs 0.1, and its dividend payout ratio stood at 4.8%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of Paisalo Digital.
For a sector overview, read our finance sector report.
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