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Mahindra & Mahindra Financial Services Limited M&MFIN NIFTY_MIDNSEFINANCIAL

Financial Services · Credit Services · India
https://www.mahindrafinance.com
Company Profile ↓
₹331.00
+29.62% 1Y
Mkt Cap₹46,008.05 Cr
P/E15.87
P/B1.73
Div. Yield2.20%
52W High₹395.50
52W Low₹243.57
Book Value₹191.65
EPS (TTM)₹20.86

Company Overview

Mahindra & Mahindra Financial Services Limited, a non-banking financial company, engages in vehicle financing business in India. The company operates through Financing Activities and Other Reconciling Items segments. It offers financing for new and pre-owned auto, utility vehicles, tractors, passenger cars, and commercial vehicles; and vehicle leasing solutions through its digital platform Quiklyz to fleet operators, farmers, businesses, self-employed, and salaried individuals. The company also provides loan against property, equipment finance, working capital finance, and supply chain finance for micro, small and medium enterprises (MSME); housing loans; asset management and trusteeship services; insurance broking; fixed deposits; mutual funds; and engages in insurance distribution. Mahindra & Mahindra Financial Services Limited was incorporated in 1991 and is headquartered in Mumbai, India. Mahindra & Mahindra Financial Services Limited is a subsidiary of Mahindra & Mahindra Limited.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 11.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 13.3% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 15.9, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 26.5%.

Dividend Income

Offers a dividend yield of 2.20%.

Recent Developments

  • Mar 2026 Revenue of ₹10,755.66 Cr (+18.6% YoY); net profit ₹2,854.53 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +18.6%, earnings +26.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 13.3%, profit CAGR 11.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:13.31%
1 Year:18.64%

Compounded Profit Growth

5 Years:11.26%
1 Year:26.20%

Stock Price Performance

1 Year:+29.62%
6 Months:-2.88%
3 Months:+13.84%
1 Month:+13.63%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 58% of range
₹243.57 ₹395.50
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)66.74 · Neutral
Price Performance
1M+13.63%
3M+13.84%
6M-2.88%
1Y+29.62%
Valuation vs Sector

P/E of 15.87 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 26.5%.
  • Compounding revenue at 13.3% over 5 years.
  • Profit CAGR of 11.3% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
15.87
Industry PE
19.81
Forward P/E
11.88
PEG Ratio
-
Book Value
₹191.65
Price to Book
1.73
P/S
4.73
EV/EBITDA
-
Dividend Yield
2.20%

Growth (CAGR)

Revenue 5Y
13.31%
Profit 5Y
11.26%
Revenue (YoY)
18.64%
Earnings (YoY)
26.20%

Profitability & Returns

ROCE
-
ROE
10.72%
ROA
1.80%
Profit Margin
26.54%
Op Margin
45.45%
Gross Margin
86.38%
EPS (Latest Qtr)
₹6.75
EPS (TTM)
₹20.86

Balance Sheet & Liquidity

Debt/Equity
4.31
Quick Ratio
2.16
Current Ratio
2.28
Debt
₹1.15 L Cr
Total Assets
₹1.59 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
53.65%
Chg in Prom Hold
-0.01%
FII / Inst Holding
37.16%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
₹46,008.05 Cr
Total Revenue (TTM)
₹10,755.66 Cr
EBITDA
-
Free Cash Flow
₹-13,188.45 Cr
Operating Cash Flow
₹-12,772.18 Cr
Shares Outstanding
₹139.00 Cr
Gross Margin
86.38%
Payout Ratio
31.16%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 M&MFIN Mahindra & Mahindra Financial Services Limited NIFTY_MIDNSEFINANCIAL 331.00 15.87 ₹46,008.05 Cr 2.20% - 10.72% 13.31% 11.26%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 3,463.00 Cr3,583.00 Cr3,833.00 Cr4,100.00 Cr4,280.00 Cr4,316.00 Cr4,465.00 Cr2,329.43 Cr2,392.70 Cr2,455.65 Cr5,026.00 Cr2,837.90 Cr2,962.86 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 1,072.00 Cr1,504.00 Cr1,724.00 Cr1,456.00 Cr1,520.00 Cr1,676.00 Cr1,830.00 Cr1,016.40 Cr1,102.34 Cr1,077.11 Cr2,015.00 Cr1,141.97 Cr1,176.56 Cr
Operating Income -------------
EBITDA -------------
Interest Expense 1,477.00 Cr1,597.00 Cr1,703.00 Cr1,798.00 Cr1,861.00 Cr1,960.00 Cr2,062.00 Cr2,174.91 Cr2,217.77 Cr2,279.98 Cr2,198.00 Cr2,236.02 Cr2,219.88 Cr
Pretax Income 934.00 Cr483.00 Cr383.00 Cr826.00 Cr896.00 Cr661.00 Cr523.00 Cr1,233.01 Cr609.47 Cr703.58 Cr759.00 Cr1,104.52 Cr1,259.07 Cr
Tax Provision 261.52 Cr120.75 Cr95.75 Cr206.50 Cr224.00 Cr165.25 Cr130.75 Cr315.37 Cr153.28 Cr174.62 Cr189.75 Cr278.92 Cr318.59 Cr
Net Income 675.00 Cr362.00 Cr287.00 Cr623.00 Cr671.00 Cr497.00 Cr390.00 Cr917.57 Cr457.22 Cr527.87 Cr566.00 Cr824.16 Cr938.02 Cr
Diluted EPS 4.902.582.024.484.823.582.807.213.594.064.065.936.75

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 6,051.00 Cr6,586.00 Cr7,189.00 Cr7,910.00 Cr10,429.00 Cr11,995.00 Cr12,382.00 Cr-7,394.12 Cr8,137.29 Cr9,065.48 Cr10,755.66 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 1,972.00 Cr2,459.00 Cr3,123.00 Cr2,547.00 Cr3,129.00 Cr4,903.00 Cr6,046.00 Cr-3,453.75 Cr3,655.46 Cr4,022.76 Cr4,463.47 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 2,643.00 Cr2,868.00 Cr3,186.00 Cr3,436.00 Cr4,432.00 Cr5,391.00 Cr5,308.00 Cr-5,105.07 Cr6,949.73 Cr8,522.68 Cr8,933.56 Cr
Pretax Income 1,400.00 Cr1,224.00 Cr838.00 Cr1,905.00 Cr2,841.00 Cr1,602.00 Cr934.00 Cr-2,803.76 Cr2,588.18 Cr3,026.91 Cr3,825.90 Cr
Tax Provision 476.00 Cr440.64 Cr310.06 Cr685.80 Cr965.94 Cr512.64 Cr149.44 Cr-732.56 Cr645.13 Cr766.04 Cr964.79 Cr
Net Income 925.00 Cr787.00 Cr530.00 Cr1,216.00 Cr1,867.00 Cr1,086.00 Cr780.00 Cr-2,072.40 Cr1,932.69 Cr2,261.87 Cr2,854.53 Cr
Diluted EPS 7.136.034.008.5313.157.735.568.9616.3415.2317.7720.86

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 38,633.00 Cr45,007.00 Cr53,223.00 Cr58,730.00 Cr74,576.00 Cr81,793.00 Cr85,601.00 Cr-1.05 L Cr1.24 L Cr1.44 L Cr1.59 L Cr
Current Assets ------------
Cash & Equivalents --------5,403.63 Cr3,931.68 Cr4,889.95 Cr5,626.28 Cr
Inventory ------------
Receivables --------1,305.48 Cr1,490.86 Cr1,849.67 Cr2,903.03 Cr
Total Liabilities --------86,383.33 Cr1.04 L Cr1.23 L Cr1.32 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------76,451.46 Cr93,177.37 Cr1.08 L Cr1.15 L Cr
Total Equity 5,943.00 Cr6,469.00 Cr6,960.00 Cr9,855.00 Cr11,269.00 Cr11,969.00 Cr15,776.00 Cr-18,560.09 Cr19,933.25 Cr21,529.46 Cr26,638.64 Cr
Shares Outstanding --------126.98 Cr126.98 Cr126.98 Cr139.00 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -3,970.00 Cr-4,957.00 Cr-6,467.00 Cr-8,510.00 Cr-12,078.00 Cr-3,115.00 Cr5,826.00 Cr--17,395.31 Cr-18,448.55 Cr-15,601.88 Cr-12,772.18 Cr
Investing Cash Flow 34.00 Cr-440.00 Cr-97.00 Cr243.00 Cr-1,213.00 Cr-2,689.00 Cr-8,348.00 Cr--1,635.37 Cr2,670.28 Cr-1,076.89 Cr769.52 Cr
Financing Cash Flow 3,907.00 Cr5,431.00 Cr6,766.00 Cr8,174.00 Cr13,490.00 Cr6,050.00 Cr2,548.00 Cr-18,851.96 Cr16,094.90 Cr17,605.33 Cr10,637.20 Cr
Capital Expenditure -39.00 Cr-53.00 Cr-62.00 Cr-69.00 Cr-133.00 Cr-116.00 Cr-41.00 Cr--413.29 Cr-323.30 Cr-441.89 Cr-416.27 Cr
Free Cash Flow -4,009.00 Cr-5,010.00 Cr-6,529.00 Cr-8,579.00 Cr-12,211.00 Cr-3,231.00 Cr5,785.00 Cr--17,808.60 Cr-18,771.85 Cr-16,043.77 Cr-13,188.45 Cr
Net Change in Cash -29.00 Cr34.00 Cr202.00 Cr-93.00 Cr199.00 Cr245.00 Cr26.00 Cr--178.72 Cr316.63 Cr926.56 Cr-1,365.46 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 15.3%11.9%7.4%15.4%17.9%9.1%6.3%-28.0%23.8%25.0%26.5%
ROE % 15.6%12.2%7.6%12.3%16.6%9.1%4.9%-11.2%9.7%10.5%10.7%
ROCE % ------------

Shareholding Pattern

Insiders
53.65%
Institutions
37.16%
Public Float
80.17%

Analyst View

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Latest News

Recent headlines for M&MFIN

Google News hu, 25 Jun 2026

M&MFIN Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Sat, 03 Jan 2026

Those who invested in Mahindra & Mahindra Financial Services (NSE:M&MFIN) five years ago are up 138% - simplywall.st

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Google News hu, 09 Jul 2026

M&M Fin stock stays anchored by Mahindra Finance's lending mix - Ad-hoc-news.de

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Google News ue, 30 Jun 2026

M&M Finance to Consider Q1 Results on July 21; AUM Target Crosses ₹1.1 L Cr - Sahi

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Google News Sun, 26 Apr 2026

Mahindra & Mahindra Financial Services (NSE:M&MFIN) Ticks All The Boxes When It Comes To Earnings Growth - simplywall.st

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Google News Mon, 06 Jul 2026

Mahindra Finance Vehicle Loan from M&M Fin - retail borrowers drive a growing portfolio - Ad-hoc-news.de

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M&MFIN — Frequently Asked Questions

What is the current share price of Mahindra & Mahindra Financial Services Limited (M&MFIN)?

As of 2026-07-15 09:52 IST, Mahindra & Mahindra Financial Services Limited (M&MFIN) trades at ₹331.00 on NSE. Its 52-week range is ₹243.57 to ₹395.50.

What is the market capitalisation of M&MFIN?

Mahindra & Mahindra Financial Services Limited (M&MFIN) has a market capitalisation of ₹46,008.05 Cr on NSE.

What is the P/E ratio of M&MFIN?

M&MFIN trades at a trailing price-to-earnings (P/E) ratio of 15.87. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 1.73.

Does M&MFIN pay a dividend?

Mahindra & Mahindra Financial Services Limited (M&MFIN) currently offers a dividend yield of 2.20%.

What is the return on equity (ROE) of M&MFIN?

M&MFIN has a return on equity (ROE) of 10.72%.

Is M&MFIN a good stock to buy?

This page provides a data-driven analysis of Mahindra & Mahindra Financial Services Limited (M&MFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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