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MAS FINANC SER

  • Market Cap: Small Cap
  • Industry: Finance/NBFC
  • ISIN: INE348L01012
  • NSEID: MASFIN
  • BSEID: 540749
INR
258.80
2.8 (1.09%)
BSENSE

Apr 11, 12:53 PM

BSE+NSE Vol: 35.74 k

Click here to access the older version
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

256.10261.35

52 Week

221.50331.00
Valuation
Technical
Day's Volume

CASH

35.74 k (-45.58%) Volume

Shareholding (Dec 2024)

FII

3.01%

Held by 79 FIIs

DII

20.02%

Held by 20 DIIs

Promoter

66.63%

iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy
Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 12.92%

 
2

With a growth in Net Profit of 24.81%, the company declared Very Positive results in Dec 24

3

Stock is technically in a Mildly Bearish range

4

With ROE of 11.6, it has a Attractive valuation with a 1.9 Price to Book Value

5

High Institutional Holdings at 23.03%

6

Underperformed the market in the last 1 year

stock-summaryMojo Parameters
Mojo Parameters
Loading Valuation Snapshot...
Stock DNA
stock-summary
Industry

Finance/NBFC

stock-summary
Market cap

INR 4,696 Cr (Small Cap)

stock-summary
P/E

16.00

stock-summary
Industry P/E

20

stock-summary
Dividend Yield

0.59%

stock-summary
Debt Equity

3.38

stock-summary
Return on Equity

11.63%

stock-summary
Price to Book

1.92

Revenue and Profits (1 Year):
Net Sales:
410 Cr
(Quarterly Results - Dec 2024)
Net Profit:
79 Cr
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
Dividend Yield (0.59%)
TimePeriod
Price Return
Dividend Return
Total Return
6 Months
-11.67%
0.36%
-11.31%
1 Year
-12.72%
0.50%
-12.22%
2 Years
7.9%
2.60%
10.5%
3 Years
28.1%
5.41%
33.51%
4 Years
-3.37%
4.37%
1.0%
5 Years
34.9%
6.77%
41.67%

Latest dividend: 1 per share ex-dividend date: Feb-05-2025

Risk Adjusted Returns v/s Sensex stock-summary
Returns Beta
Icon
Beta has not been calculated since enough price history is not available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
16.77%
EBIT Growth (5y)
16.41%
Net Debt to Equity (avg)
0
Institutional Holding
23.03%
ROE (avg)
12.92%
Valuation key factors
Factor
Value
P/E Ratio
16
Industry P/E
20
Price to Book Value
1.92
EV to EBIT
10.22
EV to EBITDA
10.18
EV to Capital Employed
1.24
EV to Sales
7.68
PEG Ratio
1.11
Dividend Yield
0.59%
ROCE (Latest)
11.63%
ROE (Latest)
11.63%
Tecnicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bullish
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Dec 2024stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Promoters

Pledged Promoter Holdings

None

Mutual Funds

Held by 6 Schemes (12.75%)

FIIs

Held by 79 FIIs (3.01%)

Promoter with highest holding

Shweta Kamlesh Gandhi (27.01%)

Highest Public shareholder

Business Excellence Trust Iii - India Business Excellence Fund Iii (6.69%)

Individual Investors Holdings

7.86%

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'24 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 22.36% vs 28.18% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2024 is 24.95% vs 23.95% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "409.73",
          "val2": "334.86",
          "chgp": "22.36%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "303.47",
          "val2": "258.38",
          "chgp": "17.45%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "194.69",
          "val2": "172.44",
          "chgp": "12.90%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "79.47",
          "val2": "63.60",
          "chgp": "24.95%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "74.07%",
          "val2": "77.16%",
          "chgp": "-3.09%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "half-yearly",
    "btn_text": "All Half Yearly Results",
    "header": "Half Yearly Results Snapshot (Consolidated) - Sep'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": " Growth in half year ended Sep 2024 is 24.28% vs 35.16% in Sep 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": " Growth in half year ended Sep 2024 is 25.70% vs 23.42% in Sep 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Sep'24",
        "Sep'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "748.61",
          "val2": "602.37",
          "chgp": "24.28%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "567.95",
          "val2": "461.44",
          "chgp": "23.08%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "366.43",
          "val2": "303.38",
          "chgp": "20.78%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "148.44",
          "val2": "118.09",
          "chgp": "25.70%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "75.87%",
          "val2": "76.60%",
          "chgp": "-0.73%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "nine-monthly",
    "btn_text": "All Nine Monthly Results",
    "header": "Nine Monthly Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 23.59% vs 32.58% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in nine months ended Dec 2024 is 25.44% vs 23.61% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1,158.34",
          "val2": "937.23",
          "chgp": "23.59%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "871.42",
          "val2": "719.82",
          "chgp": "21.06%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "561.12",
          "val2": "475.82",
          "chgp": "17.93%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "227.91",
          "val2": "181.69",
          "chgp": "25.44%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "75.23%",
          "val2": "76.80%",
          "chgp": "-1.57%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Mar'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Mar 2024 is 31.19% vs 41.78% in Mar 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Mar 2024 is 23.51% vs 27.65% in Mar 2023",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Mar'24",
        "Mar'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "1,283.87",
          "val2": "978.60",
          "chgp": "31.19%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "984.15",
          "val2": "767.95",
          "chgp": "28.15%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "646.71",
          "val2": "496.01",
          "chgp": "30.38%",
          "chgp_class": "negative"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "251.05",
          "val2": "203.26",
          "chgp": "23.51%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "76.65%",
          "val2": "78.47%",
          "chgp": "-1.82%",
          "chgp_class": "negative"
        }
      ]
    }
  }
]
Quarterly Results Snapshot (Consolidated) - Dec'24 - YoYstock-summary
Dec'24
Dec'23
Change(%)
Net Sales
409.73
334.86
22.36%
Operating Profit (PBDIT) excl Other Income
303.47
258.38
17.45%
Interest
194.69
172.44
12.90%
Exceptional Items
0.00
0.00
Consolidate Net Profit
79.47
63.60
24.95%
Operating Profit Margin (Excl OI)
74.07%
77.16%
-3.09%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in quarter ended Dec 2024 is 22.36% vs 28.18% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Dec 2024 is 24.95% vs 23.95% in Dec 2023

All Quarterly Resultsstock-summary
Half Yearly Results Snapshot (Consolidated) - Sep'24stock-summary
Sep'24
Sep'23
Change(%)
Net Sales
748.61
602.37
24.28%
Operating Profit (PBDIT) excl Other Income
567.95
461.44
23.08%
Interest
366.43
303.38
20.78%
Exceptional Items
0.00
0.00
Consolidate Net Profit
148.44
118.09
25.70%
Operating Profit Margin (Excl OI)
75.87%
76.60%
-0.73%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

Growth in half year ended Sep 2024 is 24.28% vs 35.16% in Sep 2023

Direction Arrows
Consolidated Net Profit

Growth in half year ended Sep 2024 is 25.70% vs 23.42% in Sep 2023

All Half Yearly Resultsstock-summary
Nine Monthly Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
1,158.34
937.23
23.59%
Operating Profit (PBDIT) excl Other Income
871.42
719.82
21.06%
Interest
561.12
475.82
17.93%
Exceptional Items
0.00
0.00
Consolidate Net Profit
227.91
181.69
25.44%
Operating Profit Margin (Excl OI)
75.23%
76.80%
-1.57%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in nine months ended Dec 2024 is 23.59% vs 32.58% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in nine months ended Dec 2024 is 25.44% vs 23.61% in Dec 2023

All Nine Monthly Resultsstock-summary
Annual Results Snapshot (Consolidated) - Mar'24stock-summary
Mar'24
Mar'23
Change(%)
Net Sales
1,283.87
978.60
31.19%
Operating Profit (PBDIT) excl Other Income
984.15
767.95
28.15%
Interest
646.71
496.01
30.38%
Exceptional Items
0.00
0.00
Consolidate Net Profit
251.05
203.26
23.51%
Operating Profit Margin (Excl OI)
76.65%
78.47%
-1.82%
Values in Rs Cr.
stock-summary Compare with Peers
Direction Arrows
Net Sales

YoY Growth in year ended Mar 2024 is 31.19% vs 41.78% in Mar 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Mar 2024 is 23.51% vs 27.65% in Mar 2023

All Annual Resultsstock-summary
stock-summaryCompany CV
About MAS Financial Services Ltd stock-summary
stock-summary
MAS Financial Services Ltd
Small Cap
Finance/NBFC
MAS Financial Services Limited is a Gujarat-headquartered NBFC with more than two decades of business operations. The Company operates out of Ahmedabad and specialises in providing retail financing services to the lower and middle-income groups of society. The Company offers financial services for Micro Enterprises Loans, SME Loans, Home Loans, Two Wheeler Loans, Used Car Loans, Salaried Personal Loan, Housing Loans and Commercial Vehicle Loans to satisfy their varied needs.
Company Coordinates stock-summary
Company Details
6 Narayan Chambers Ground Flr, Behind PatangHotel Ashram Road Ahmedabad Gujarat : 380009
stock-summary
Tel: 91-79-30016500
stock-summary
http://www.mas.co.in
stock-summary
secretarial@mas.co.in
Registrar Details
Link Intime India Pvt Ltd, C-13 Pannalal Silk Compound, L B S Marg, Bhandup , Mumbai
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