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MAS Financial Services Limited MASFIN NSEFINANCIAL

Financial Services · Credit Services · India
https://www.mas.co.in
Company Profile ↓
₹320.20
+2.23% 1Y
Mkt Cap₹5,810.14 Cr
P/E15.65
P/B2.01
Div. Yield0.60%
52W High₹347.40
52W Low₹279.65
Book Value₹163.91
EPS (TTM)₹20.46

Company Overview

MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro-enterprises, small and medium businesses, two-wheeler, commercial vehicle, used vehicle loans, and salaried personal loans, tractor, and housing loans. It serves through a distribution network of partner microfinance institutions, non-banking finance companies, housing finance companies, and franchisees. MAS Financial Services Limited was incorporated in 1995 and is based in Ahmedabad, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 31.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 15.7, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 21.1%.

Recent Developments

  • Mar 2026 Revenue of ₹1,760.18 Cr (+21.8% YoY); net profit ₹371.21 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +21.8%, earnings +19.6%.
  • 5-Year Trend Long-term compounding — revenue CAGR 31.5%, profit CAGR 22.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:31.46%
1 Year:21.77%

Compounded Profit Growth

5 Years:22.23%
1 Year:19.60%

Stock Price Performance

1 Year:+2.23%
6 Months:+3.50%
3 Months:+0.79%
1 Month:+2.93%

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

Technical Snapshot Bullish
52-Week Range 60% of range
₹279.65 ₹347.40
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)53.32 · Neutral
Price Performance
1M+2.93%
3M+0.79%
6M+3.50%
1Y+2.23%
Valuation vs Sector

P/E of 15.65 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 21.1%.
  • Compounding revenue at 31.5% over 5 years.
  • Profit CAGR of 22.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
15.65
Industry PE
19.81
Forward P/E
9.88
PEG Ratio
-
Book Value
₹163.91
Price to Book
2.01
P/S
6.55
EV/EBITDA
35.39
Dividend Yield
0.60%

Growth (CAGR)

Revenue 5Y
31.46%
Profit 5Y
22.23%
Revenue (YoY)
21.77%
Earnings (YoY)
19.60%

Profitability & Returns

ROCE
3.27%
ROE
12.48%
ROA
2.70%
Profit Margin
21.09%
Op Margin
25.42%
Gross Margin
31.64%
EPS (Latest Qtr)
₹5.69
EPS (TTM)
₹20.46

Balance Sheet & Liquidity

Debt/Equity
3.47
Quick Ratio
203.62
Current Ratio
213.38
Debt
₹10,317.49 Cr
Total Assets
₹13,746.60 Cr
Current Assets
₹12,128.58 Cr
Working Capital
₹12,071.74 Cr

Ownership

Promoter Holding
71.26%
Chg in Prom Hold
4.60%
FII / Inst Holding
17.04%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
₹5,810.14 Cr
Total Revenue (TTM)
₹1,760.18 Cr
EBITDA
₹454.74 Cr
Free Cash Flow
₹-1,878.43 Cr
Operating Cash Flow
₹-1,786.77 Cr
Shares Outstanding
₹18.15 Cr
Gross Margin
31.64%
Payout Ratio
9.53%

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 MASFIN MAS Financial Services Limited NSEFINANCIAL 320.20 15.65 ₹5,810.14 Cr 0.60% 3.27% 12.48% 31.46% 22.23%
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 278.00 Cr293.00 Cr310.00 Cr335.00 Cr347.00 Cr364.00 Cr384.00 Cr372.66 Cr397.90 Cr419.24 Cr480.00 Cr443.98 Cr470.76 Cr
Cost of Revenue -------247.04 Cr259.86 Cr282.13 Cr-308.35 Cr317.70 Cr
Gross Profit -------125.62 Cr138.04 Cr137.11 Cr-135.63 Cr153.06 Cr
Operating Expenses 57.00 Cr66.00 Cr76.00 Cr76.00 Cr83.00 Cr86.00 Cr95.00 Cr21.94 Cr23.32 Cr25.72 Cr134.00 Cr27.07 Cr29.97 Cr
Operating Income -------103.68 Cr114.72 Cr111.39 Cr-108.56 Cr123.09 Cr
EBITDA -------105.13 Cr116.24 Cr113.06 Cr-110.35 Cr125.09 Cr
Interest Expense 150.00 Cr150.00 Cr154.00 Cr172.00 Cr171.00 Cr181.00 Cr185.00 Cr---224.00 Cr--
Pretax Income 72.00 Cr77.00 Cr83.00 Cr87.00 Cr94.00 Cr97.00 Cr104.00 Cr107.99 Cr112.09 Cr115.89 Cr123.00 Cr127.08 Cr139.14 Cr
Tax Provision 15.12 Cr19.25 Cr20.75 Cr22.62 Cr23.50 Cr24.25 Cr26.00 Cr27.60 Cr28.68 Cr29.30 Cr31.98 Cr33.76 Cr34.66 Cr
Net Income 57.00 Cr58.00 Cr62.00 Cr64.00 Cr70.00 Cr73.00 Cr78.00 Cr79.47 Cr82.47 Cr85.55 Cr91.00 Cr92.20 Cr103.12 Cr
Diluted EPS 3.433.473.733.884.233.954.234.394.554.824.985.085.69

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 238.00 Cr309.00 Cr365.00 Cr477.00 Cr605.00 Cr710.00 Cr627.00 Cr-774.78 Cr1,008.33 Cr1,445.52 Cr1,760.18 Cr
Cost of Revenue --------573.25 Cr789.59 Cr964.36 Cr1,203.27 Cr
Gross Profit --------201.53 Cr218.74 Cr481.16 Cr556.91 Cr
Operating Expenses 62.00 Cr82.00 Cr92.00 Cr118.00 Cr138.00 Cr175.00 Cr143.00 Cr-48.49 Cr94.28 Cr86.40 Cr109.41 Cr
Operating Income --------153.04 Cr124.46 Cr394.76 Cr447.50 Cr
EBITDA --------310.50 Cr344.29 Cr400.36 Cr454.74 Cr
Interest Expense 113.00 Cr142.00 Cr165.00 Cr187.00 Cr225.00 Cr299.00 Cr286.00 Cr29.68 Cr36.13 Cr33.00 L53.00 L-
Pretax Income 62.00 Cr84.00 Cr106.00 Cr168.00 Cr238.00 Cr230.00 Cr196.00 Cr-271.65 Cr339.67 Cr421.01 Cr504.99 Cr
Tax Provision 21.08 Cr29.40 Cr37.10 Cr62.16 Cr83.30 Cr62.10 Cr50.96 Cr-65.83 Cr85.66 Cr107.03 Cr129.17 Cr
Net Income 41.00 Cr55.00 Cr69.00 Cr105.00 Cr155.00 Cr168.00 Cr146.00 Cr-203.26 Cr251.05 Cr310.38 Cr371.21 Cr
Diluted EPS 8.3311.295.326.419.3610.218.80-12.3915.3117.4820.46

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1,572.00 Cr1,947.00 Cr2,200.00 Cr2,898.00 Cr3,990.00 Cr4,820.00 Cr5,430.00 Cr-8,015.22 Cr9,547.34 Cr12,199.01 Cr13,746.60 Cr
Current Assets --------4,546.40 Cr5,924.40 Cr7,309.78 Cr12,128.58 Cr
Cash & Equivalents --------238.67 Cr212.67 Cr448.65 Cr223.66 Cr
Inventory ------------
Receivables --------4.30 Cr6.54 Cr4.67 Cr5.54 Cr
Total Liabilities --------6,470.55 Cr7,728.77 Cr9,548.54 Cr10,710.17 Cr
Current Liabilities --------3,587.18 Cr3,561.73 Cr4,357.29 Cr56.84 Cr
Long Term Debt --------2,878.93 Cr4,161.73 Cr5,182.04 Cr10,314.07 Cr
Total Debt --------6,127.53 Cr7,425.85 Cr9,155.72 Cr10,317.49 Cr
Total Equity 104.00 Cr138.00 Cr284.00 Cr780.00 Cr916.00 Cr987.00 Cr1,180.00 Cr-1,518.65 Cr1,782.71 Cr2,609.03 Cr2,974.21 Cr
Shares Outstanding --------16.40 Cr16.40 Cr18.15 Cr18.15 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -267.00 Cr-281.00 Cr-164.00 Cr-386.00 Cr-468.00 Cr196.00 Cr-578.00 Cr--1,425.94 Cr-1,366.05 Cr-1,123.17 Cr-1,786.77 Cr
Investing Cash Flow -2.00 Cr-3.00 Cr-4.00 Cr-49.00 Cr14.00 Cr4.00 Cr-199.00 Cr--304.05 Cr50.08 Cr-828.23 Cr467.01 Cr
Financing Cash Flow 303.00 Cr251.00 Cr34.00 Cr438.00 Cr802.00 Cr448.00 Cr719.00 Cr-1,684.02 Cr1,289.97 Cr2,187.38 Cr1,094.77 Cr
Capital Expenditure -1.00 Cr-4.00 Cr-4.00 Cr-49.00 Cr-2.00 Cr-4.00 Cr-2.00 Cr--10.95 Cr-22.29 Cr-29.54 Cr-91.66 Cr
Free Cash Flow -268.00 Cr-285.00 Cr-168.00 Cr-435.00 Cr-470.00 Cr192.00 Cr-580.00 Cr--1,436.89 Cr-1,388.34 Cr-1,152.71 Cr-1,878.43 Cr
Net Change in Cash 34.00 Cr-32.00 Cr-134.00 Cr3.00 Cr348.00 Cr648.00 Cr-59.00 Cr--45.97 Cr-26.00 Cr235.98 Cr-224.99 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % --------26.0%21.7%33.3%31.6%
Operating Margin % --------19.8%12.3%27.3%25.4%
Net Margin % 17.2%17.8%18.9%22.0%25.6%23.7%23.3%-26.2%24.9%21.5%21.1%
ROE % 39.4%39.9%24.3%13.5%16.9%17.0%12.4%-13.4%14.1%11.9%12.5%
ROCE % --------3.5%2.1%5.0%3.3%

Shareholding Pattern

Insiders
71.26%
Institutions
17.04%
Public Float
59.29%

Analyst View

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Latest News

Recent headlines for MASFIN

Google News hu, 25 Jun 2026

MASFIN Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Mon, 18 May 2026

Do MAS Financial Services' (NSE:MASFIN) Earnings Warrant Your Attention? - simplywall.st

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Google News Wed, 14 Jan 2026

The total return for MAS Financial Services (NSE:MASFIN) investors has risen faster than earnings growth over the last year - simplywall.st

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Google News Mon, 04 May 2026

Buy MAS Financial Services; target of Rs 405: Choice Institutional Equities - Moneycontrol.com

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Google News Sat, 03 Jan 2026

Mas Financial Services Ltd. Share Price Live Today - CNBC TV18

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Google News Wed, 23 Jul 2025

MAS Financial Q1FY26 PAT Up 19% YoY to ₹83.9 Cr; AUM Grows 20% - HDFC Sky

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MASFIN — Frequently Asked Questions

What is the current share price of MAS Financial Services Limited (MASFIN)?

As of 2026-07-15 09:52 IST, MAS Financial Services Limited (MASFIN) trades at ₹320.20 on NSE. Its 52-week range is ₹279.65 to ₹347.40.

What is the market capitalisation of MASFIN?

MAS Financial Services Limited (MASFIN) has a market capitalisation of ₹5,810.14 Cr on NSE.

What is the P/E ratio of MASFIN?

MASFIN trades at a trailing price-to-earnings (P/E) ratio of 15.65. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.01.

Does MASFIN pay a dividend?

MAS Financial Services Limited (MASFIN) currently offers a dividend yield of 0.60%.

What is the return on equity (ROE) of MASFIN?

MASFIN has a return on equity (ROE) of 12.48%. Its return on capital employed (ROCE) is 3.27%.

Is MASFIN a good stock to buy?

This page provides a data-driven analysis of MAS Financial Services Limited (MASFIN), 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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