M&M FIN SERVICES Latest Share Price (M&MFIN)
TODAY IN ONE LINE
M&MFIN rose 2.2% on average volume, outperforming Nifty's 0.3% move.
With a market cap of ₹48,878.33 Cr., it trades at a P/E of 15.03. 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.
M&M FIN SERVICES flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 82.6% YoY
- ●Healthy Operating MarginsOPM is structurally strong at 60.4%
- ●Reasonable ValuationTrading at a moderate P/E of 15.3x
- ●High Promoter HoldingPromoters hold 52.5% skin-in-the-game
- ●Zero Pledge RiskNo recent active promoter pledging found
Red Flags
- ●High Leverage RiskDebt-to-Equity is elevated at 2.91x
- ●Rising Receivables vs SalesReceivables grew 35.8% outpacing sales growth of 16.9%
Latest M&M FIN SERVICES News
What changed recently?
Recent events, corporate actions, and announcements.
M&M FIN. SERVICES valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for M&M FIN. SERVICES, framed against the sector median so the premium or discount is obvious at a glance.
M&M FIN. SERVICES trades at a P/E of 15.03× and P/B of 1.83×.
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
M&M FIN. SERVICES technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for M&M FIN. SERVICES — derived from the latest tape, not yesterday's close.
M&M FIN. SERVICES last traded at ₹353.3 with an intraday range of ₹347.1–₹356.95 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹353.30| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 377.50 | +24.20 | +6.85% |
| R3 | 367.65 | +14.35 | +4.06% |
| R2 | 362.30 | +9.00 | +2.55% |
| R1 | 357.80 | +4.50 | +1.27% |
| PIVOT | 352.45 | -0.85 | -0.24% |
| CURRENT | 353.30 | — | — |
| S1 | 347.95 | -5.35 | -1.51% |
| S2 | 342.60 | -10.70 | -3.03% |
| S3 | 338.10 | -15.20 | -4.30% |
| S4 | 328.25 | -25.05 | -7.09% |
M&MFIN is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: ₹348.15–₹351.8
Trading Above opening range, showing Bullishness
M&M FIN. SERVICES financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for M&M FIN. SERVICES — consolidated or standalone — with margins, YoY growth and key ratios inline.
M&M FIN. SERVICES reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹48,878.33 Cr. and reported EPS of ₹6.66.
| 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% |
M&M FIN SERVICES segment analysis : revenue and profit mix.
Disclosed business segments at M&M FIN SERVICES with their share of revenue and profit, switchable between consolidated and standalone reporting.
M&M FIN 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 M&M FIN. SERVICES.
Our AI distills the core fundamental drivers supporting M&M FIN. SERVICES, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
M&M FIN. SERVICES's investment case rests on 0 positive markers and 1 flagged concerns drawn from the latest reported filings.
What you're getting.
No strengths or opportunities on record.
Key Risks.
SWOT generation temporarily unavailable due to model error. The security token included in the request is invalid.
Flip Conditions.
Valuation risk. a P/E above 20 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.
M&M FIN. SERVICES peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — M&M FIN. SERVICES is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
M&M FIN. SERVICES chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for M&M FIN. SERVICES — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
M&M FIN. SERVICES delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for M&M FIN. SERVICES over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in M&M FIN. SERVICES stood at 65.2% of traded volume, against a 20-day average of 56.5%.
M&M FIN SERVICES announcements: results, concalls, ratings, M&A.
Filings M&M FIN 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.
M&M FIN SERVICES dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue M&M FIN SERVICES has declared, sequenced by announce and record date.
M&M FIN SERVICES corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
M&M FIN SERVICES insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in M&M FIN SERVICES as reported to SEBI — buying and selling signals from the people who know the business best.
M&M FIN 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 M&M FIN. SERVICES: business, sector, key facts.
What M&M FIN. SERVICES does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
M&M FIN. SERVICES 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 (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 M&M FIN. SERVICES (M&MFIN).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of M&M FIN. SERVICES (M&MFIN)?
The current share price of M&M FIN. SERVICES (M&MFIN) is ₹353.30. Today, the stock has gained by ₹7.60 (2.2%), trading in a range of ₹347.10 to ₹356.95. The stock opened at ₹349.85 with a trading volume of 31,29,493 shares.
02Is M&M FIN. SERVICES stock a good investment for long-term?
M&M FIN. SERVICES can be considered for long-term investment based on several factors. The company has a market capitalization of ₹48,878.33 Cr., P/E ratio of 15.03, ROE of 10.72%, and ROCE of 9.08%. The dividend yield stands at 0%. 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 M&M FIN. SERVICES stock?
The 52-week high price of M&M FIN. SERVICES (M&MFIN) is ₹415.00, while the 52-week low is ₹269.50. Currently trading at ₹353.30, the stock is 31.09% above its 52-week low and 14.87% 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 M&M FIN. SERVICES stock at the current price?
Whether to buy M&M FIN. SERVICES stock at ₹353.30 depends on multiple factors. The stock is currently trading with a P/E ratio of 15.03 and P/B ratio of 1.83. Today's performance shows a gain of 2.2%. 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 M&M FIN. SERVICES and when is the next dividend?
M&M FIN. SERVICES offers a dividend yield of 0%, which means for every ₹100 invested at the current price of ₹353.30, you can expect to receive approximately ₹0.00 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 M&M FIN. SERVICES?
M&M FIN. SERVICES's key financial metrics include: P/E Ratio: 15.03, P/B Ratio: 1.83, ROE: 10.72%, ROCE: 9.08%, Dividend Yield: 0%, EPS: ₹6.66, Book Value: ₹192.03, and Debt-to-Equity: 2.91. The company's market cap stands at ₹48,878.33 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is M&M FIN. SERVICES stock performing today in the market?
M&M FIN. SERVICES stock opened at ₹349.85 and is currently trading at ₹353.30, showing a gain of ₹7.60 (2.2%). The intraday high is ₹356.95 and low is ₹347.10. The trading volume stands at 31,29,493 shares, indicating strong market participation today.
08What is the P/E ratio of M&M FIN. SERVICES and what does it indicate?
M&M FIN. SERVICES has a Price-to-Earnings (P/E) ratio of 15.03, which means investors are willing to pay 15.03 for every ₹1 of earnings. With an EPS of ₹6.66, 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 M&M FIN. SERVICES (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.