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Mahindra & Mahindra Financial Services
Large Cap•25,261 Employees•IPO 2006
Current Price
₹346.30
-6.75 (-1.91%)Updated
Valuation vs Sector
P/E Ratio
21.10vs 19.00
P/B Ratio
2.02vs 2.14
Div Yield
2.18%vs 0.57%
Today's Range
344
₹346.30
352.3
52 Week Range
52W Low₹237.95
52W High₹2335.01
₹346.30
Downside45.53%
Upside574.27%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹53,450.2 Cr
Market Cap
Total market value of companyP/E Ratio
-
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.82
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹0.00
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
1.92%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
8.77%
ROCE
Return on Capital Employed. >15% is goodNet Margin
14.00%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
6.22%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
10.00%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
12.60%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
45.00%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
441.32
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹150.45
Book Value
Net asset value per shareDividend Yield
2.18%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
52.50%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •M&MFIN boasts a healthy Return on Equity (ROE) of 10.90%, indicating efficient use of shareholder investments and strong profitability. This, coupled with a relatively low Price-to-Earnings (PE) ratio of 17.80, suggests the stock might be undervalued compared to its earnings.
- •The company shows a significant Operating Profit Margin (OPM) of 62.90%, highlighting its ability to effectively manage costs and generate substantial profits from its operations. This strong operational efficiency is a key positive for investors.
Weaknesses
4 points- •The company's high debt-to-equity ratio of 4.90 raises concerns about its financial leverage and potential vulnerability to economic downturns or interest rate hikes. This high debt level needs careful monitoring.
- •The relatively low Return on Capital Employed (ROCE) of 8.77% suggests that the company's capital investments may not be generating optimal returns compared to its peers. Improving capital efficiency is a key area for improvement.
Opportunities
3 points- •As an NBFC, M&MFIN is well-positioned to capitalize on the growing demand for financial services in emerging markets, driven by economic expansion and increasing credit penetration in rural and semi-urban areas.
- •Compared to larger peers like Bajaj Finance (661045 Cr market cap), M&MFIN (44027 Cr) has substantial room for market share expansion and scaling operations, presenting a significant growth runway.
Threats
4 points- •The intense competition from well-established and larger NBFCs like Bajaj Finance and Cholaman.Inv.&Fn, with higher market caps and ROCE, poses a significant threat to M&MFIN's market share and profitability.
- •Given its high debt-to-equity ratio of 4.90, M&MFIN is highly susceptible to adverse movements in interest rates, which could significantly increase its borrowing costs and compress net interest margins.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
R Sundar | 31 Dec 2024 | 01 Jan 2025 | 14,026 | 7,293 | ₹265.15 | SELL |
R Sundar | 31 Dec 2024 | 01 Jan 2025 | 21,319 | 307 | ₹265.15 | SELL |
Mahindra & Mahindra Financial Services Limited Employees' Stock Option Trust | 30 Dec 2024 | 01 Jan 2025 | 6.99 L | 36,009 | ₹264.1 | SELL |
Shailesh Rao | 27 Feb 2025 | 28 Feb 2025 | 88,023 | 5,000 | ₹281.69 | SELL |
Abhijeet Gogate | 12 Mar 2025 | 13 Mar 2025 | 35,172 | 7,172 | ₹270.25 | BUY |
Mahindra & Mahindra Financial Services Limited Employees' Stock Option Trust | 12 Mar 2025 | 13 Mar 2025 | 6.69 L | 30,783 | ₹270.25 | SELL |
Debasish Kar | 26 Mar 2025 | 27 Mar 2025 | 76,711 | 8,000 | ₹288.85 | SELL |
Mahindra & Mahindra Financial Services Limited Employees' Stock Option Trust | 13 May 2025 | 14 May 2025 | 6.38 L | 30,995 | ₹256.3 | SELL |
Mahindra & Mahindra Limited | 09 Jun 2025 | 10 Jun 2025 | 72.96 Cr | 8.52 Cr | ₹194 | BUY |
Sandeep Mandrekar | 09 Jun 2025 | 11 Jun 2025 | 69,952 | 7,772 | ₹194 | BUY |
Dinesh Dayaram Prajapati | 09 Jun 2025 | 11 Jun 2025 | 2.49 L | 29,700 | ₹194 | BUY |
Dharmesh Vakharia | 09 Jun 2025 | 11 Jun 2025 | 50,625 | 5,625 | ₹194 | BUY |
Nitesh Rawal | 09 Jun 2025 | 11 Jun 2025 | 52,409 | 5,823 | ₹194 | BUY |
Sandeep Mandrekar | 11 Jun 2025 | 13 Jun 2025 | 62,252 | 7,700 | ₹280.17 | SELL |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹367.67 | +₹21.37 | +6.17% |
| R3 | ₹359.37 | +₹13.07 | +3.77% |
| R2 | ₹355.83 | +₹9.53 | +2.75% |
| R1 | ₹351.07 | +₹4.77 | +1.38% |
| PIVOT | ₹347.53 | 1.23 | 0.36% |
| CURRENT | ₹346.30 | - | - |
| S1 | ₹326.17 | -₹20.13 | -5.81% |
| S2 | ₹334.47 | -₹11.83 | -3.42% |
| S3 | ₹339.23 | -₹7.07 | -2.04% |
| S4 | ₹342.77 | -₹3.53 | -1.02% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-40.4% vs avg
9.06L
(12 Mar 2026)Delivery %+2.4% vs avg
47.6%
(12 Mar 2026)Avg Volume (20D)20-day average
1.52M
(12 Feb - 12 Mar)Avg Delivery %Trend ↓
45.2%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Manappuram Finance Ltd
0.98 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Capri Global Capital Ltd |
 Cholamandalam Investment & Finance Company Ltd |
 Cholamandalam Financial Holdings Ltd |
 CreditAccess Grameen Ltd |
 Five-Star Business Finance Ltd |
 HDB Financial Services Ltd |
 L&T Finance Ltd |
 Manappuram Finance Ltd |
 Muthoot Finance Ltd |
 Poonawalla Fincorp Ltd |
 SBI Cards & Payment Services Ltd |
 Sundaram Finance Ltd |
 |
About
Mahindra & Mahindra Financial Services Ltd
Mahindra & Mahindra Financial Services Limited (M&MFIN) is a prominent non-banking financial company (NBFC) operating primarily in rural and semi-urban India. Its core business revolves around providing a diverse range of financial services catering to a broad spectrum of customers, including farmers, businesses, and individuals.
A significant portion of M&MFIN's business lies in vehicle financing and leasing. This includes a wide array of vehicles such as tractors, passenger cars, commercial vehicles, construction equipment, and pre-owned vehicles. They offer these financing options to both transport operators and individual buyers, effectively fueling the transportation and infrastructure sectors in their target markets.
Beyond vehicle financing, M&MFIN offers a comprehensive suite of lending products. This encompasses personal loans, home loans, loans against property and machinery, and project and equipment finance for small and medium-sized enterprises (SMEs). They also provide vital working capital finance, crucial for the operational needs of these businesses. The company plays a critical role in supporting the growth and development of the SME sector in rural and semi-urban areas.
Further expanding their financial services portfolio, M&MFIN provides housing finance for various purposes, including purchasing, constructing, extending, or renovating properties. They also venture into investment solutions, offering fixed deposits and managing mutual funds. This diversification allows them to cater to a wider range of financial needs within their customer base.
Completing their financial ecosystem, M&MFIN offers insurance products and services, including life, health, asset protection, commercial line insurance, and reinsurance. By integrating insurance solutions into their offerings, they provide holistic financial protection alongside lending and investment services. This integrated approach strengthens their position as a comprehensive financial service provider in the rural and semi-urban segments of India.
COMPANY FACTS - M&MFIN
Registered Address
4th Floor, Mahindra Towers, Dr. G.M. Bhosale Marg, P.K. Kurne Chowk,Worli
Mumbai
MAHARASHTRA
IN
Tel: 918002331234
Website:https://mahindrafinance.com/
Investor Relations:http://www.mahindrafinance.com/investors
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 25,261
IPO Date: 17/03/2006
MANAGEMENT - M&MFIN
Dr. Anish Shah
Non-Executive Non-Independent Chairman of the Board
Mr. Raul Rebello
Chief Executive Officer, Managing Director, Executive Director
Mr. Animesh Chatterjee
Interim Chief Financial Officer
Mr. Manish Sinha
Chief Human Resource Officer - Mahindra Finance and Financial Services Sector
Ms. Deepa Ranjeet
Chief Information Officer
Mr. Mod Singh
Chief Compliance Officer
Mr. Mahesh Rajaraman
Chief Risk Officer
Mr. Sandeep Mandrekar
Chief Business Officer - Core Wheels
Mr. Bijoy Thaplial
Chief Business Officer - Leasing, Partnerships and Payments
Ms. Brijbala Batwal
Company Secretary
Mr. Amarjyoti Barua
Non-Executive Non-Independent Director
Mr. Ashwani Ghai
Non-Executive Non-Independent Director
Investor Questions Answered
Mahindra & Mahindra Financial Services Ltd (M&MFIN) Stock FAQs
Get answers to the most common questions about Mahindra & Mahindra Financial Services Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Mahindra & Mahindra Financial Services Ltd (M&MFIN) is ₹346.3. Today, the stock has declined by ₹6.75 (1.91%), trading in a range of ₹344 to ₹352.3. The stock opened at ₹350 with a trading volume of 9,06,284 shares.
Mahindra & Mahindra Financial Services Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹53,450.2 crores, P/E ratio of 0.00, ROE of 1.92%, and ROCE of 8.77%. The dividend yield stands at 2.18%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Mahindra & Mahindra Financial Services Ltd (M&MFIN) is ₹2,335.01, while the 52-week low is ₹237.95. Currently trading at ₹346.3, the stock is 5.2% away from its 52-week low and 85.2% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Mahindra & Mahindra Financial Services Ltd stock at ₹346.3 depends on multiple factors. The stock is currently trading with a P/E ratio of 0.00 and P/B ratio of N/A. Today's performance shows a loss of 1.91%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Mahindra & Mahindra Financial Services Ltd offers a dividend yield of 2.18%, which means for every ₹100 invested at the current price of ₹346.3, you can expect to receive approximately ₹2.18 annually as dividends. The face value of the stock is ₹2.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Mahindra & Mahindra Financial Services Ltd's key financial metrics include: P/E Ratio: 0.00, P/B Ratio: N/A, ROE: 1.92%, ROCE: 8.77%, Dividend Yield: 2.18%, EPS: ₹0.00, Book Value: ₹150.45, Debt-to-Equity: 441.32, and Current Ratio: N/A. The company's market cap stands at ₹53,450.2 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Mahindra & Mahindra Financial Services Ltd stock opened at ₹350 and is currently trading at ₹346.3, showing a decline of ₹6.75 (1.91%). The intraday high is ₹352.3 and low is ₹344. The trading volume stands at 9,06,284 shares, indicating moderate market participation today.
Mahindra & Mahindra Financial Services Ltd has a Price-to-Earnings (P/E) ratio of 0.00, which means investors are willing to pay ₹0.00 for every ₹1 of earnings. With an EPS of ₹0.00, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Mahindra & Mahindra Financial Services Ltd has a market capitalization of ₹53,450.2 crores, making it a mid-cap company. Market cap is calculated by multiplying the current stock price (₹346.3) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Mahindra & Mahindra Financial Services Ltd has a book value of ₹150.45 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹346.3, which is 130.2% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Mahindra & Mahindra Financial Services Ltd has a Return on Equity (ROE) of 1.92% and Return on Capital Employed (ROCE) of 8.77%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Mahindra & Mahindra Financial Services Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Mahindra & Mahindra Financial Services Ltd has a debt-to-equity ratio of 441.32, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Mahindra & Mahindra Financial Services Ltd has an Earnings Per Share (EPS) of ₹0.00, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹346.3 and P/E ratio of 0.00, investors are paying 0.00 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Mahindra & Mahindra Financial Services Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Mahindra & Mahindra Financial Services Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Mahindra & Mahindra Financial Services Ltd stock, consider: 1) Fundamental Analysis - Review P/E (0.00), ROE (1.92%), debt-to-equity (441.32), and growth rates. 2) Technical Analysis - Check 52-week range (₹237.95 - ₹2335.01), moving averages, and chart patterns. 3) Valuation - Compare current price (₹346.30) with book value (₹150.45) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Mahindra & Mahindra Financial Services Ltd share is ₹2.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹346.3 is 17215x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Mahindra & Mahindra Financial Services Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹237.95 - ₹2335.01). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 441.32 indicates leverage. 4) Liquidity Risk - Based on trading volume of 9,06,284 shares. 5) Valuation Risk - P/E of 0.00 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Mahindra & Mahindra Financial Services Ltd operates in the industry with key metrics: P/E ratio of 0.00, ROE of 1.92%, market cap of ₹53,450.2 crores, and dividend yield of 2.18%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 441.32), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Mahindra & Mahindra Financial Services Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹346.3, with a 52-week range of ₹237.95 to ₹2335.01. Based on fundamentals like P/E (0.00), ROE (1.92%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Mahindra & Mahindra Financial Services Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹346.30. 2) Fundamental Deterioration - Declining ROE (currently 1.92%), increasing debt (D/E: 441.32), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Mahindra & Mahindra Financial Services Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 2.18%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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