
Twelve years of multiples investors have paid for Mahindra & Mahindra Financial Services Ltd, framed against the sector median so the premium or discount is obvious at a glance.
Twelve years of audited numbers for Mahindra & Mahindra Financial Services Ltd, switchable between annual and quarterly views, consolidated or standalone.
Mahindra & Mahindra Financial Services Ltd reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹53,450.201 Cr.
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.
Why someone would buy Mahindra & Mahindra Financial Services Ltd, why someone wouldn't, and the quantitative tripwires that would force the call to flip.
Mahindra & Mahindra Financial Services Ltd's investment case rests on 7 positive markers and 8 flagged concerns drawn from the latest reported filings.
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.
M&MFIN maintains a substantial promoter holding of 52.5%, suggesting confidence in the company's future prospects and a reduced risk of hostile takeovers or significant share dilution, which is a positive sign for long-term stability.
The company demonstrated strong quarterly profit growth of 45.00%, indicating effective operational management and increasing profitability. This significant growth trend is a positive signal for investors looking for earnings momentum.
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.
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.
Foreign Institutional Investor (FII) holding has seen a notable decline from 16.93% in Sep 2022 to 9.59% in Sep 2025, potentially indicating reduced foreign investor confidence or shifting investment priorities.
Although promoter holding is high, the recent five-day stock price movement shows volatility, with a 5.85% gain on Oct 29, 2025, followed by a -0.55% change, indicating market uncertainty.
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.
Reassess if quarterly profit growth prints below 0% for two consecutive quarters. The bull case relies on compounding earnings.
Watch interest coverage if debt-to-equity climbs above 441.82. Balance sheet risk re-prices growth multiples fast.
Exit if ROE slips below 8%. The operating engine is no longer compounding capital efficiently.
Income thesis breaks if the dividend is cut or yield falls below 1.09%.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Mahindra & Mahindra Financial Services Ltd is highlighted for quick read-across.
| Company Name |
|---|
Akme Fintrade (India) Ltd |
Arman Financial Services Ltd |
Avonmore Capital & Management Services Ltd |
Baid Finserv Ltd |
Bajaj Finance Ltd |
Capital Trust Ltd |
Capri Global Capital Ltd |
Cholamandalam Investment & Finance Company Ltd |
CP Capital Limited |
Crest Ventures Ltd |
CSL Finance Ltd |
Dhunseri Investments Ltd |
Fedbank Financial Services Ltd |
Five-Star Business Finance Ltd |
HB Stockholdings Ltd |
IIFL Finance Ltd |
Indostar Capital Finance Ltd |
L&T Finance Ltd |
Manappuram Finance Ltd |
Manba Finance Ltd |
MAS Financial Services Ltd |
Mahindra & Mahindra Financial Services LtdCurrent Stock |
Mufin Green Finance Ltd |
Muthoot Capital Services Ltd |
Muthoot Finance Ltd |
Northern ARC Capital Ltd |
Paisalo Digital Ltd |
PTC India Financial Services Ltd |
Poonawalla Fincorp Ltd |
SBFC Finance Ltd |
SBI Cards & Payment Services Ltd |
Shriram Finance Ltd |
Starteck Finance Ltd |
Sundaram Finance Ltd |
Transwarranty Finance Ltd |
TruCap Finance Ltd |
Ugro Capital Ltd |
Viji Finance Ltd |
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Mahindra & Mahindra Financial Services Ltd — derived from the live tape, not yesterday's close.
Mahindra & Mahindra Financial Services Ltd last traded at ₹280.75 with an intraday range of ₹278.6–₹288 — live indicator, pivot and CPR signals below.
Standard pivot — most widely referenced.
| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 305.10 | +24.35 | +8.67% |
| R3 | 295.70 | +14.95 | +5.33% |
| R2 | 291.85 | +11.10 | +3.95% |
| R1 | 286.30 | +5.55 | +1.98% |
| PIVOT | 282.45 | 1.70 | 0.61% |
| CURRENT | 280.75 | — | — |
| S1 | 258.10 | -22.65 | -8.07% |
| S2 | 267.50 | -13.25 | -4.72% |
| S3 | 273.05 | -7.70 | -2.74% |
| S4 | 276.90 | -3.85 | -1.37% |
M&MFIN is trading Below CPR, indicating Bearishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: 283.8 ~ 288
Trading Below opening range, showing Bearishness
Daily traded volume and delivery percentage for Mahindra & Mahindra Financial Services Ltd over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Mahindra & Mahindra Financial Services Ltd stood at 50.7% of traded volume, against a 20-day average of 51.0%.
Filings Mahindra & Mahindra Financial Services sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
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 |
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.
What Mahindra & Mahindra Financial Services Ltd does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Mahindra & Mahindra Financial Services Ltd operates in the Consumer Finance industry under the Financials 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.
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
The current share price of Mahindra & Mahindra Financial Services Ltd (M&MFIN) is ₹280.75. Today, the stock has declined by ₹9.10 (3.14%), trading in a range of ₹278.6 to ₹288. The stock opened at ₹287 with a trading volume of 15,78,968 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 ₹2,345, while the 52-week low is ₹246.35. Currently trading at ₹280.75, the stock is 1.6% away from its 52-week low and 88.0% 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 ₹280.75 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 3.14%. 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 ₹280.75, 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 ₹287 and is currently trading at ₹280.75, showing a decline of ₹9.10 (3.14%). The intraday high is ₹288 and low is ₹278.6. The trading volume stands at 15,78,968 shares, indicating strong 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.
The data, ratios and commentary about Mahindra & Mahindra Financial Services Ltd (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.
Peers, sector trends, screeners and strategy playbooks contextual to this stock.