Mahindra & Mahindra Financial Services Latest Share Price (M&MFIN)
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M&MFIN fell 2.4% on average volume, lagging Nifty's 0.1% move.
With a market cap of ₹54,188.03 Cr., it trades at a P/E of 16.59. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
Mahindra & Mahindra Financial Services flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 82.6% YoY
- ●Quarterly OutperformanceLatest quarter Sales up 13.4% and Profit up 105.0%
- ●Healthy Operating MarginsOPM is structurally strong at 62.6%
- ●Reasonable ValuationTrading at a moderate P/E of 15.3x
- ●High Promoter HoldingPromoters hold 52.5% skin-in-the-game
- ●Steady Dividend YieldReliable 2.26% dividend yield
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●High Leverage RiskDebt-to-Equity is elevated at 4.82x
- ●Rising Receivables vs SalesReceivables grew 35.8% outpacing sales growth of 16.9%
Latest Mahindra & Mahindra Financial Services News
What changed recently?
Recent events, corporate actions, and announcements.
Mahindra & Mahindra Financial Services Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Mahindra & Mahindra Financial Services Limited, framed against the sector median so the premium or discount is obvious at a glance.
Mahindra & Mahindra Financial Services Limited trades at a P/E of 16.59× and P/B of 2.03×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
Mahindra & Mahindra Financial Services Limited technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for Mahindra & Mahindra Financial Services Limited — derived from the latest tape, not yesterday's close.
Mahindra & Mahindra Financial Services Limited last traded at ₹388.8 with an intraday range of ₹387.45–₹399.95 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹388.80| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 421.68 | +32.88 | +8.46% |
| R3 | 409.18 | +20.38 | +5.24% |
| R2 | 404.57 | +15.77 | +4.06% |
| R1 | 396.68 | +7.88 | +2.03% |
| PIVOT | 392.07 | 3.27 | 0.84% |
| CURRENT | 388.80 | — | — |
| S1 | 384.18 | -4.62 | -1.19% |
| S2 | 379.57 | -9.23 | -2.37% |
| S3 | 371.68 | -17.12 | -4.40% |
| S4 | 359.18 | -29.62 | -7.62% |
M&MFIN is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹395.7–₹399.95
Trading Below opening range, showing Bearishness
Mahindra & Mahindra Financial Services Limited financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for Mahindra & Mahindra Financial Services Limited — consolidated or standalone — with margins, YoY growth and key ratios inline.
Mahindra & Mahindra Financial Services Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹54,188.03 Cr. and reported EPS of ₹20.86.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 16,566 | 18,428 ▲ 11.2% |
| 67 | 81 ▲ 20.8% | |
| Total Income | 18,530 | 21,087 ▲ 13.8% |
| Net Interest Income (NII)Derived | 16,566 | 18,428 ▲ 11.2% |
| Profit Before Tax (PBT) | 2,962 | 3,756 ▲ 26.8% |
| 766 | 965 ▲ 25.9% | |
| Effective Tax %Derived | 25.87% | 25.68% |
| Total Profit for Period | 2,261 | 2,861 ▲ 26.5% |
| Less: Non-controlling Interests | -1 | 7 ▲ 758.0% |
| Net Profit (Owner's PAT)Derived | 2,262 | 2,855 ▲ 26.2% |
| PAT Growth YoY %Derived | 17.03% | 26.20% |
| Earnings Per Share (EPS ₹) | 16.27 | 20.54 ▲ 26.2% |
| Diluted Shares Outstanding (Cr) | 139 | 139 ▲ 0.0% |
| Share of Profit from Associates/JVs | 65 | 70 ▲ 6.8% |
| Other Comprehensive Income (Net of Tax) | 109 | 158 ▲ 45.7% |
| Fees & Commission Expense | 1,045 | 1,318 ▲ 26.1% |
| Dividend Income | — | 0 |
| Impairment On Financial Instruments | 2,085 | 2,483 ▲ 19.1% |
| Net Gain Amortised Derecognition | 2 | — ▼ 100.0% |
| Net Gain Fair Value Changes | 22 | 37 ▲ 69.2% |
| Revenue Sale Of Services | 1,192 | 1,456 ▲ 22.2% |
| Rental Income | 153 | 175 ▲ 14.0% |
| Period | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 9,970 | 11,458 ▲ 14.9% | 11,704 ▲ 2.1% | 10,858 ▼ 7.2% | 12,030 ▲ 10.8% | 14,412 ▲ 19.8% | 16,566 ▲ 14.9% | 18,428 ▲ 11.2% | |
59 | 114 ▲ 91.9% | 120 ▲ 5.9% | 83 ▼ 31.0% | 133 ▲ 60.2% | 173 ▲ 30.6% | 67 ▼ 61.2% | 81 ▲ 20.8% | ||
| Total Income | 10,431 | 11,996 ▲ 15.0% | 12,171 ▲ 1.5% | 11,401 ▼ 6.3% | 12,832 ▲ 12.6% | 15,970 ▲ 24.5% | 18,530 ▲ 16.0% | 21,087 ▲ 13.8% | |
| Net Interest Income (NII)Derived | 9,970 | 11,458 ▲ 14.9% | 11,704 ▲ 2.1% | 10,858 ▼ 7.2% | 12,030 ▲ 10.8% | 14,412 ▲ 19.8% | 16,566 ▲ 14.9% | 18,428 ▲ 11.2% | |
| Profit Before Tax (PBT) | 2,794 | 1,556 ▼ 44.3% | 895 ▼ 42.5% | 1,504 ▲ 68.2% | 2,760 ▲ 83.5% | 2,532 ▼ 8.3% | 2,962 ▲ 17.0% | 3,756 ▲ 26.8% | |
973 | 516 ▼ 47.0% | 154 ▼ 70.2% | 399 ▲ 159.4% | 733 ▲ 83.6% | 645 ▼ 11.9% | 766 ▲ 18.7% | 965 ▲ 25.9% | ||
| Effective Tax %Derived | 34.84% | 33.17% | 17.20% | 26.53% | 26.54% | 25.48% | 25.87% | 25.68% | |
| Total Profit for Period | 1,867 | 1,086 ▼ 41.9% | 780 ▼ 28.1% | 1,150 ▲ 47.4% | 2,071 ▲ 80.1% | 1,943 ▼ 6.2% | 2,261 ▲ 16.4% | 2,861 ▲ 26.5% | |
| Less: Non-controlling Interests | 40 | 11 ▼ 73.3% | 7 ▼ 33.8% | 13 ▲ 90.5% | -1 ▼ 108.9% | 10 ▲ 963.3% | -1 ▼ 109.7% | 7 ▲ 758.0% | |
| Net Profit (Owner's PAT)Derived | 1,827 | 1,075 ▼ 41.2% | 773 ▼ 28.1% | 1,137 ▲ 47.0% | 2,072 ▲ 82.3% | 1,933 ▼ 6.7% | 2,262 ▲ 17.0% | 2,855 ▲ 26.2% | |
| PAT Growth YoY %Derived | — | -41.16% | -28.08% | 47.03% | 82.29% | -6.74% | 17.03% | 26.20% | |
| Earnings Per Share (EPS ₹) | 13.15 | 7.74 ▼ 41.1% | 5.56 ▼ 28.2% | 8.18 ▲ 47.1% | 14.91 ▲ 82.3% | 13.90 ▼ 6.8% | 16.27 ▲ 17.1% | 20.54 ▲ 26.2% | |
| Diluted Shares Outstanding (Cr) | 139 | 139 ▲ 0.0% | 139 ▲ 0.0% | 139 ▲ 0.0% | 139 ▲ 0.0% | 139 ▲ 0.0% | 139 ▲ 0.0% | 139 ▲ 0.0% | |
| Share of Profit from Associates/JVs | 47 | 46 ▼ 2.2% | 40 ▼ 13.9% | 45 ▲ 13.9% | 43 ▼ 3.8% | 56 ▲ 29.5% | 65 ▲ 16.3% | 70 ▲ 6.8% | |
| Other Comprehensive Income (Net of Tax) | -2 | 33 ▲ 2144.7% | -90 ▼ 373.9% | 5 ▲ 106.0% | -35 ▼ 746.5% | 64 ▲ 283.4% | 109 ▲ 70.6% | 158 ▲ 45.7% | |
| Fees & Commission Expense | 130 | 125 ▼ 3.7% | 105 ▼ 16.1% | 156 ▲ 49.0% | 285 ▲ 82.7% | 868 ▲ 204.2% | 1,045 ▲ 20.4% | 1,318 ▲ 26.1% | |
| Dividend Income | 15 | 27 ▲ 78.1% | 0 ▼ 100.0% | 0 ▲ 1566.7% | 0 ▼ 50.0% | — ▼ 100.0% | — | 0 | |
| Impairment On Financial Instruments | 717 | 2,319 ▲ 223.4% | 3,999 ▲ 72.4% | 2,690 ▼ 32.7% | 1,183 ▼ 56.0% | 1,956 ▲ 65.4% | 2,085 ▲ 6.6% | 2,483 ▲ 19.1% | |
| Net Gain Amortised Derecognition | — | — | — | — | — | — | 2 | — ▼ 100.0% | |
| Net Gain Fair Value Changes | 8 | 26 ▲ 236.3% | 50 ▲ 95.3% | 51 ▲ 2.6% | 25 ▼ 50.6% | 27 ▲ 6.7% | 22 ▼ 18.9% | 37 ▲ 69.2% | |
| Revenue Sale Of Services | 262 | 260 ▼ 1.0% | 204 ▼ 21.6% | 272 ▲ 33.6% | 391 ▲ 43.9% | 1,058 ▲ 170.2% | 1,192 ▲ 12.7% | 1,456 ▲ 22.2% | |
| Rental Income | 1 | 9 ▲ 1124.5% | 17 ▲ 95.6% | 26 ▲ 53.8% | 73 ▲ 176.2% | 115 ▲ 58.9% | 153 ▲ 32.9% | 175 ▲ 14.0% |
Mahindra & Mahindra Financial Services segment analysis : revenue and profit mix.
Disclosed business segments at Mahindra & Mahindra Financial Services with their share of revenue and profit, switchable between consolidated and standalone reporting.
Mahindra & Mahindra Financial Services discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Mahindra & Mahindra Financial Services Limited.
Our AI distills the core fundamental drivers supporting Mahindra & Mahindra Financial Services Limited, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
Mahindra & Mahindra Financial Services Limited's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Latest quarterly EPS grew 105.2% YoY, demonstrating robust earnings acceleration.
TTM EPS grew 82.6% YoY, reflecting strong profitability momentum across periods.
Net profit margin 25.8% TTM shows superior earnings generation relative to revenue.
P/E ratio 15.34x trades below peer median, offering valuation comfort for investors.
Promoter holding 52.49% ensures stable long-term ownership and investor confidence.
Key Risks.
Total debt ₹1.28 LCr dominates balance sheet; extreme leverage masks financial fragility.
Operating cash flow negative ₹11,205.50 Cr (FY2026), indicating persistent liquidity challenges.
Cash flow per share ₹-91.92 signals funding pressure and weak cash conversion ability.
ROCE 8.72% lags peer median 11.4%, suggesting suboptimal capital deployment efficiency.
FII holdings eased from 16.93% to 9.59%, reflecting reduced foreign investor confidence.
Flip Conditions.
Valuation risk. a P/E above 22 would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
Mahindra & Mahindra Financial Services Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Mahindra & Mahindra Financial Services Limited is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
Mahindra & Mahindra Financial Services Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Mahindra & Mahindra Financial Services Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
Mahindra & Mahindra Financial Services Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Mahindra & Mahindra Financial Services Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Mahindra & Mahindra Financial Services Limited stood at 50.3% of traded volume, against a 20-day average of 46.8%.
Mahindra & Mahindra Financial Services announcements: results, concalls, ratings, M&A.
Filings Mahindra & Mahindra Financial Services sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
No filings or concall transcripts on record.
Mahindra & Mahindra Financial Services dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Mahindra & Mahindra Financial Services has declared, sequenced by announce and record date.
Mahindra & Mahindra Financial Services corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
Mahindra & Mahindra Financial Services insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in Mahindra & Mahindra Financial Services as reported to SEBI — buying and selling signals from the people who know the business best.
Mahindra & Mahindra Financial Services insider activity below tracks 14 reported promoter, director and designated-employee transactions under SEBI Regulation 7(2).
| Insider | Category | Txn Date | Action | Quantity | Value (₹) | Price |
|---|---|---|---|---|---|---|
| Sandeep Mandrekar | Insider | 11 Jun 2025 | sell | −7.7 K | ₹21.57 L | ₹280.17 |
| Mahindra & Mahindra Limited | Insider | 09 Jun 2025 | buy | +8.52 Cr | ₹1,652.54 Cr. | ₹194.00 |
| Sandeep Mandrekar | Insider | 09 Jun 2025 | buy | +7.8 K | ₹15.08 L | ₹194.00 |
| Dinesh Dayaram Prajapati | Insider | 09 Jun 2025 | buy | +29.7 K | ₹57.62 L | ₹194.00 |
| Dharmesh Vakharia | Insider | 09 Jun 2025 | buy | +5.6 K | ₹10.91 L | ₹194.00 |
| Nitesh Rawal | Insider | 09 Jun 2025 | buy | +5.8 K | ₹11.3 L | ₹194.00 |
| Mahindra & Mahindra Financial Services Limited Employees' Stock Option Trust | Insider | 13 May 2025 | sell | −31.0 K | ₹79.44 L | ₹256.30 |
| Debasish Kar | Insider | 26 Mar 2025 | sell | −8.0 K | ₹23.11 L | ₹288.85 |
| Abhijeet Gogate | Insider | 12 Mar 2025 | buy | +7.2 K | ₹19.38 L | ₹270.25 |
| Mahindra & Mahindra Financial Services Limited Employees' Stock Option Trust | Insider | 12 Mar 2025 | sell | −30.8 K | ₹83.19 L | ₹270.25 |
About Mahindra & Mahindra Financial Services Limited: business, sector, key facts.
What Mahindra & Mahindra Financial Services Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Mahindra & Mahindra Financial Services Limited operates in the Non Banking Financial Company (NBFC) industry under the Financial Services sector, listed as NSE: M&MFIN, BSE: 532720.
Mahindra & Mahindra Financial Services Limited
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.
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Questions investors ask about Mahindra & Mahindra Financial Services Limited (M&MFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Mahindra & Mahindra Financial Services Limited (M&MFIN)?
The current share price of Mahindra & Mahindra Financial Services Limited (M&MFIN) is ₹388.80. Today, the stock has declined by ₹9.60 (2.41%), trading in a range of ₹387.45 to ₹399.95. The stock opened at ₹399.00 with a trading volume of 17,85,952 shares.
02Is Mahindra & Mahindra Financial Services Limited stock a good investment for long-term?
Mahindra & Mahindra Financial Services Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹54,188.03 Cr., P/E ratio of 16.59, ROE of 12.3%, and ROCE of 8.72%. The dividend yield stands at 2.26%. 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.
03What is the 52-week high and low price of Mahindra & Mahindra Financial Services Limited stock?
The 52-week high price of Mahindra & Mahindra Financial Services Limited (M&MFIN) is ₹412.20, while the 52-week low is ₹251.00. Currently trading at ₹388.80, the stock is 54.9% above its 52-week low and 5.68% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Mahindra & Mahindra Financial Services Limited stock at the current price?
Whether to buy Mahindra & Mahindra Financial Services Limited stock at ₹388.80 depends on multiple factors. The stock is currently trading with a P/E ratio of 16.59 and P/B ratio of 2.03. Today's performance shows a loss of 2.41%. 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.
05What is the dividend yield of Mahindra & Mahindra Financial Services Limited and when is the next dividend?
Mahindra & Mahindra Financial Services Limited offers a dividend yield of 2.26%, which means for every ₹100 invested at the current price of ₹388.80, you can expect to receive approximately ₹2.26 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.
06What are the key financial ratios and metrics of Mahindra & Mahindra Financial Services Limited?
Mahindra & Mahindra Financial Services Limited's key financial metrics include: P/E Ratio: 16.59, P/B Ratio: 2.03, ROE: 12.3%, ROCE: 8.72%, Dividend Yield: 2.26%, EPS: ₹20.86, Book Value: ₹191.77, and Debt-to-Equity: 4.82. The company's market cap stands at ₹54,188.03 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Mahindra & Mahindra Financial Services Limited stock performing today in the market?
Mahindra & Mahindra Financial Services Limited stock opened at ₹399.00 and is currently trading at ₹388.80, showing a decline of ₹9.60 (2.41%). The intraday high is ₹399.95 and low is ₹387.45. The trading volume stands at 17,85,952 shares, indicating strong market participation today.
08What is the P/E ratio of Mahindra & Mahindra Financial Services Limited and what does it indicate?
Mahindra & Mahindra Financial Services Limited has a Price-to-Earnings (P/E) ratio of 16.59, which means investors are willing to pay 16.59 for every ₹1 of earnings. With an EPS of ₹20.86, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Mahindra & Mahindra Financial Services Limited (M&MFIN) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.