ScoreWhy is Mahindra & Mahindra Financial Services Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 8.90% and Operating profit at 8.51%
2
Stock is technically in a Bearish range
- The technical trend has deteriorated from Mildly Bearish on 07-Apr-25 and has generated 3.84% returns since then
- The stocks MACD and Bollinger Band technical factors are also Bearish
3
Underperformed the market in the last 1 year
- Even though the market (BSE 500) generated negative returns of -0.99% in the last 1 year, its fall in the stock was much higher with a return of -12.90%
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance/NBFC)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is M & M Fin. Serv. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
M & M Fin. Serv.
-12.79%
-0.43
30.27%
SENSEX
0.45%
0.03
14.48%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
20
Price to Book Value
1.58
EV to EBIT
12.15
EV to EBITDA
11.82
EV to Capital Employed
1.09
EV to Sales
7.62
PEG Ratio
0.47
Dividend Yield
2.45%
ROCE (Latest)
8.35%
ROE (Latest)
10.86%
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
PAT(9M)
At Rs 1,804.65 cr has Grown at 42.96 %
NET SALES(Q)
Highest at Rs 4,796.80 cr
PBT LESS OI(Q)
At Rs 1,230.36 cr has Grown at 55.85 %
PBDIT(Q)
Highest at Rs 3,471.56 cr.
OPERATING PROFIT TO NET SALES(Q)
Highest at 72.37%
EPS(Q)
Highest at Rs 7.43
-2What is not working for the Company
DEBT-EQUITY RATIO(HY)
Highest at 5.43 times
Loading Valuation Snapshot...
Here's what is working for M & M Fin. Serv.
Net Sales - Quarterly
Highest at Rs 4,796.80 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 1,230.36 cr has Grown at 55.85 %
Year on Year (YoY)MOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 917.57 cr has Grown at 47.4 %
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 3,471.56 cr.
in the last five quartersMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (Rs Cr)
Operating Profit Margin - Quarterly
Highest at 72.37%
in the last five quartersMOJO Watch
Company's efficiency has improved
Operating Profit to Sales
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 1,230.36 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 917.57 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 7.43
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for M & M Fin. Serv.
Debt-Equity Ratio - Half Yearly
Highest at 5.43 times and Grown
each half year in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
