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REC vs M&M FINANCIAL SERVICES - Comparison Results

REC     Change

Rural Electrification Corporation (REC) is a leading public financial institution in India. It is engaged in the financing of power generation, transmission and distribution projects across India. It occupies a nodal position in the government's plan... More

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

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Current Valuations

    REC M&M FINANCIAL SERVICES REC/
M&M FINANCIAL SERVICES
 
P/E (TTM) x 4.5 8.4 53.1% View Chart
P/BV x 0.7 0.7 98.3% View Chart
Dividend Yield % 7.0 0.0 -  

Financials

 REC   M&M FINANCIAL SERVICES
EQUITY SHARE DATA
    REC
Mar-18
M&M FINANCIAL SERVICES
Mar-20
REC/
M&M FINANCIAL SERVICES
5-Yr Chart
Click to enlarge
High Rs224442 50.6%   
Low Rs121138 87.3%   
Income per share (Unadj.) Rs116.7185.5 62.9%  
Earnings per share (Unadj.) Rs23.717.6 135.1%  
Cash flow per share (Unadj.) Rs31.763.4 50.0%  
Dividends per share (Unadj.) Rs9.150-  
Avg Dividend yield %5.30-  
Book value per share (Unadj.) Rs181.6193.7 93.8%  
Shares outstanding (eoy) m1,974.92617.76 319.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.51.6 94.3%   
Avg P/E ratio x7.316.5 43.9%  
Avg P/CF ratio x5.514.6 37.8%  
Avg Price/Bookvalue ratio x0.91.5 63.3%  
Dividend payout %38.50-   
Avg Mkt Cap Rs m340,279179,398 189.7%   
No. of employees `0000.521.9 2.4%   
Total wages & salary Rs m1,98516,098 12.3%   
Avg. income/employee Rs Th436,636.75,240.9 8,331.4%   
Avg. wages/employee Rs Th3,758.7736.4 510.4%   
Avg. net profit/employee Rs Th88,815.5496.7 17,882.2%   
INCOME DATA
Interest income Rs m230,544114,576 201.2%  
Other income Rs m4701,135 41.4%   
Interest expense Rs m138,59653,906 257.1%   
Net interest income Rs m91,94860,671 151.6%  
Operating expense Rs m8,09924,590 32.9%   
Gross profit Rs m83,84936,080 232.4%  
Gross profit margin %36.431.5 115.5%  
Provisions/contingencies Rs m14,9071,469 1,014.9%   
Profit before tax Rs m69,41315,561 446.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0459 0.0%   
Prior Period Items Rs m00-   
Tax Rs m22,5185,162 436.2%   
Profit after tax Rs m46,89510,858 431.9%  
Net profit margin %20.39.5 214.6%  
BALANCE SHEET DATA
Advances Rs m2,121,974728,638 291.2%   
Deposits Rs m00-  
Credit/Deposit ratio xNMNM- 
Yield on advances %10.211.8 86.7%   
Cost of deposits %N.A.N.A.-  
Net Interest Margin %4.37.8 55.2%  
Net fixed assets Rs m9,6585,545 174.2%   
Share capital Rs m19,7491,231 1,604.7%   
Free reserves Rs m338,974118,459 286.2%   
Net worth Rs m358,723119,690 299.7%   
Borrowings Rs m1,671,627333,271 501.6%   
Investments Rs m25,80753,404 48.3%   
Total assets Rs m2,486,387817,926 304.0%  
Debt/equity ratio x4.72.8 167.4%   
Return on assets %1.91.3 142.1%  
Return on equity %13.19.1 144.1%  
Capital adequacy ratio %19.419.6 98.9%  
Net NPAs %5.86.0 96.5%  
CASH FLOW
From Operations Rs m-306,780-31,152 984.8%  
From Investments Rs m-3,933-26,891 14.6%  
From Financial Activity Rs m286,22260,497 473.1%  
Net Cashflow Rs m-24,4902,454 -998.0%  

Share Holding

Indian Promoters % 65.6 52.1 125.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 9.3 1.3 715.4%  
FIIs % 19.2 41.4 46.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 5.8 5.3 109.4%  
Shareholders   215,638 54,174 398.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare REC With:   MUTHOOT FINANCE  SREI INFRA FINANCE  GIC HOUSING  L&T FINANCE HOLDINGS  JM FINANCIAL  



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