M & M Fin. Serv.

Why is Mahindra & Mahindra Financial Services Ltd falling/rising?

As of 11-Jun, Mahindra & Mahindra Financial Services Ltd's stock price is declining at 275.70, down -1.1 (-0.4%), with significant underperformance over the past month and year-to-date. Despite strong long-term fundamentals, current market sentiment reflects a bearish trend and waning investor participation.

As of 11-Jun, Mahindra & Mahindra Financial Services Ltd is experiencing a decline in its stock price, currently at 275.70, which reflects a change of -1.1 (-0.4%). The stock has been underperforming significantly, with a 1-week decline of -4.60% compared to the Sensex's -0.71%, and a more substantial drop of -18.20% over the past month against the Sensex's -2.87%. Year-to-date, the stock has fallen by -31.62%, while the Sensex has decreased by -13.36%. <BR><BR>The stock has also been losing value for the last two days, with a total decline of -3.14% during this period. Furthermore, it is trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend. Investor participation appears to be waning, as evidenced by a -26.99% drop in delivery volume on June 10 compared to the 5-day average. <BR><BR>Despite these negative indicators, the company does show strong long-term fundamentals, with a 16.51% CAGR growth in operating profits and a significant increase in net profit of 109.94% reported in March. However, the current market sentiment and recent performance suggest that these positive fundamentals have not yet translated into stock price stability or growth, leading to the observed decline.

Which are the latest news on M & M Fin. Serv.?

How big is M & M Fin. Serv.?

As of 10th June, Mahindra & Mahindra Financial Services Ltd has a market capitalization of 39,524.00 Cr and reported net sales of 21,005.37 Cr and net profit of 2,854.53 Cr over the latest four quarters.

As of 10th June, <BR><BR>Market Cap: Mahindra & Mahindra Financial Services Ltd has a market capitalization of 39,524.00 Cr, categorizing it as a Mid Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 21,005.37 Cr, while the sum of Net Profit for the same period is 2,854.53 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is March 2025, with Shareholder's Funds amounting to 21,529.46 Cr and Total Assets totaling 1,43,276.71 Cr.

Who are in the management team of M & M Fin. Serv.?

The management team of M & M Fin. Serv. includes Vice Chairman Ramesh Iyer, Chairman Anish Shah, Managing Director & CEO Raul Rebello, and several directors including Amit Sinha and Ashwani Ghai, along with independent directors and Company Secretary Brijbala Batwal.

The management team of M & M Fin. Serv. includes the following key individuals:<BR><BR>1. **Ramesh Iyer** - Vice Chairman & Managing Director<BR>2. **Anish Shah** - Chairman (Non-Executive)<BR>3. **Raul Rebello** - Managing Director & CEO<BR>4. **Raul Rebello** - Whole Time Director<BR>5. **Amit Sinha** - Director<BR>6. **Ashwani Ghai** - Director<BR>7. **Amarjyoti Barua** - Director<BR><BR>Additionally, the board features several independent directors:<BR>- **Rama Bijapurkar**<BR>- **C B Bhave**<BR>- **Milind Sarwate**<BR>- **Rebecca Nugent**<BR>- **Dhananjay Mungale**<BR>- **Diwakar Gupta**<BR><BR>Lastly, **Brijbala Batwal** serves as the Company Secretary and Compliance Officer.

Who are the peers of the M & M Fin. Serv.?

M & M Fin. Serv.'s peers include L&T Finance Ltd, SBI Cards, HDB FINANC SER, Sundaram Finance, Authum Invest., Poonawalla Fin, Tata Inv. Corpn., Manappuram Fin., and Chola Financial. In terms of management risk and growth, M & M Fin. Serv. has average ratings, with a 1-year return of -1.14%, better than SBI Cards but lower than L&T Finance Ltd's 36.08%.

Peers: The peers of M & M Fin. Serv. are L&T Finance Ltd, SBI Cards, HDB FINANC SER, Sundaram Finance, Authum Invest., Poonawalla Fin, Tata Inv.Corpn., Manappuram Fin., and Chola Financial.<BR><BR>Quality Snapshot: Excellent management risk is observed at SBI Cards, while Good management risk is found at HDB FINANC SER, Sundaram Finance, and Manappuram Fin. Average management risk is present at L&T Finance Ltd, Authum Invest., M & M Fin. Serv., Poonawalla Fin, and Chola Financial, and the rest. Below Average management risk is noted at Tata Inv.Corpn. Peers with Excellent growth include Poonawalla Fin and Chola Financial, while Average growth is found at SBI Cards, Sundaram Finance, M & M Fin. Serv., and Tata Inv.Corpn., and the rest. Below Average growth is seen at L&T Finance Ltd, HDB FINANC SER, Authum Invest., and Manappuram Fin., while the rest have Below Average growth.<BR><BR>Return Snapshot: The peer with the highest 1-year return is L&T Finance Ltd at 36.08%, while SBI Cards has the lowest at -41.95%. M & M Fin. Serv. has a 1-year return of -1.14%, which is higher than SBI Cards but lower than L&T Finance Ltd. Additionally, several peers, including SBI Cards, Sundaram Finance, Authum Invest., Poonawalla Fin, Tata Inv.Corpn., Chola Financial, and IIFL Finance, have negative six-month returns.

What does M & M Fin. Serv. do?

Mahindra & Mahindra Financial Services Ltd is a Mid Cap NBFC that provides financial services, with recent quarterly net sales of ₹5,539 Cr and a net profit of ₹938 Cr. The company has a market cap of ₹39,524 Cr and key metrics include a P/E ratio of 13.00 and a dividend yield of 2.28%.

Overview: <BR>Mahindra & Mahindra Financial Services Ltd operates in the Non Banking Financial Company (NBFC) sector and is categorized as a Mid Cap company.<BR><BR>History: <BR>The company was incorporated on 1st January 1991 as 'Maxi Motors Financial Services Limited' and changed its name to Mahindra & Mahindra Financial Services Limited on November 3, 1992. The latest quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 5,539 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 938 Cr (Quarterly Results - Mar 2026) <BR>Market Cap: INR 39,524 Cr (Mid Cap)<BR><BR>Key Metrics: <BR>P/E: 13.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 2.28% <BR>Debt Equity: 4.82 <BR>Return on Equity: 11.09% <BR>Price to Book: 1.49 <BR><BR>Contact Details: <BR>Address: Gateway Building, Apollo Bunder Mumbai Maharashtra : 400001 <BR>Tel: 91-22-22895500 <BR>Email: investorhelpline_mmfsl@mahindra.com <BR>Website: http://www.mahindrafinance.com

Should I buy, sell or hold Mahindra & Mahindra Financial Services Ltd?

When is the next results date for Mahindra & Mahindra Financial Services Ltd?

The next results date for Mahindra & Mahindra Financial Services Ltd is April 24, 2026.

The next results date for Mahindra & Mahindra Financial Services Ltd is scheduled for April 24, 2026.

Are Mahindra & Mahindra Financial Services Ltd latest results good or bad?

Mahindra & Mahindra Financial Services Ltd reported mixed results for December 2025, with net sales growing 12.56% year-on-year and net profit increasing 44.95%. However, challenges like margin compression from high interest rates and a low return on equity at 9.96% suggest that while the performance is stable, there are areas of concern for investors.

Mahindra & Mahindra Financial Services Ltd (M&MFIN) has shown a mixed performance in its latest results. For the quarter ending December 2025, the company reported net sales of ₹5,026.19 crores, which represents a year-on-year growth of 12.56% and a slight sequential increase of 0.71%. This indicates a healthy demand for vehicle financing, particularly in rural areas.<BR><BR>However, the net profit for the same quarter was ₹564.48 crores, reflecting a positive growth of 44.95% year-on-year and a 6.94% increase quarter-on-quarter. The profit after tax (PAT) margin improved to 11.26%, up from 10.60% in the previous quarter, suggesting better profitability management despite the challenges posed by high borrowing costs.<BR><BR>On the downside, the company faces margin compression due to elevated interest rates, which have impacted its net interest margins. The return on equity (ROE) remains a concern at 9.96%, which is below the average for its peers in the non-banking financial company (NBFC) sector.<BR><BR>Overall, while M&MFIN has demonstrated resilience with solid top-line growth and improved profitability metrics, the ongoing challenges related to capital efficiency and high leverage indicate that the results are not entirely favorable. Investors may view the performance as stable but will need to monitor the company's ability to enhance its ROE and manage costs effectively moving forward.

Is M & M Fin. Serv. technically bullish or bearish?

As of November 24, 2025, the trend has shifted to bullish with moderate strength, supported by bullish MACD and Bollinger Bands, despite some short-term weakness indicated by a bearish weekly RSI and mildly bearish KST.

As of 24 November 2025, the technical trend has changed from mildly bullish to bullish. The current stance is bullish with moderate strength. Key indicators driving this stance include a bullish MACD on both weekly and monthly timeframes, bullish Bollinger Bands on both timeframes, and a bullish daily moving average. However, the weekly RSI is bearish, indicating some short-term weakness, while the KST shows a mildly bearish monthly signal. Overall, the bullish trend is supported by strong performance against the Sensex, particularly in the 1-week and 1-month returns.

Is M & M Fin. Serv. overvalued or undervalued?

As of October 29, 2025, M & M Fin. Serv. is fairly valued with a PE Ratio of 17.92, an EV to EBITDA of 8.29, and a Price to Book Value of 0.18, outperforming the Sensex with a year-to-date return of 23.21% compared to the Sensex's 8.78%.

As of 29 October 2025, the valuation grade for M & M Fin. Serv. moved from expensive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 17.92, an EV to EBITDA of 8.29, and a Price to Book Value of 0.18, which suggest a reasonable valuation relative to its earnings and asset base.<BR><BR>In comparison to its peers, M & M Fin. Serv. stands out against Bajaj Finance, which is very expensive with a PE Ratio of 37.96, and Life Insurance, which is very attractive with a PE Ratio of 11.8. The company's recent stock performance has outpaced the Sensex, with a year-to-date return of 23.21% compared to the Sensex's 8.78%, reinforcing the notion that it is fairly valued in the current market context.

How has been the historical performance of M & M Fin. Serv.?

M & M Fin. Serv. has shown consistent growth in net sales and profits from March 2019 to March 2025, with net sales increasing from INR 10,371.70 crore to INR 18,463.10 crore and profit after tax rising from INR 1,820.35 crore to INR 2,195.64 crore, despite rising interest expenses and negative cash flow in recent years. Total liabilities and assets both increased significantly during this period, indicating growing financial obligations.

Answer:<BR>The historical performance of M & M Fin. Serv. shows a consistent growth in net sales and profits over the years, with significant fluctuations in certain metrics.<BR><BR>Breakdown:<BR>M & M Fin. Serv. has demonstrated a steady increase in net sales from INR 10,371.70 crore in March 2019 to INR 18,463.10 crore in March 2025. The total operating income followed a similar trend, rising from INR 10,371.70 crore in March 2019 to INR 18,463.10 crore in March 2025. Operating profit (PBDIT) also increased significantly, reaching INR 11,698.32 crore in March 2025, up from INR 7,301.64 crore in March 2019. However, interest expenses have surged from INR 4,432.28 crore in March 2019 to INR 8,415.43 crore in March 2025, impacting profit before tax, which fluctuated over the years, peaking at INR 2,961.68 crore in March 2025. Profit after tax showed a similar upward trend, reaching INR 2,195.64 crore in March 2025, compared to INR 1,820.35 crore in March 2019. The company's total liabilities increased from INR 81,213.74 crore in March 2020 to INR 1,43,276.71 crore in March 2025, while total assets rose from INR 81,213.74 crore to INR 1,43,276.71 crore in the same period. Cash flow from operating activities has been negative in recent years, with a notable outflow of INR 15,601 crore in March 2025, despite a net cash inflow of INR 926 crore for that year. Overall, M & M Fin. Serv. has shown resilience and growth in revenue and profits, albeit with increasing financial obligations and cash flow challenges.

Who are the top shareholders of the M & M Fin. Serv.?

The top shareholders of M & M Fin. Serv. include Mahindra & Mahindra Limited with 52.16%, mutual funds with 17.48%, foreign institutional investors at 10.68%, and the Life Insurance Corporation of India holding 10.24%. Individual investors account for 5.12% of the shares.

The top shareholders of M & M Fin. Serv. include several key players. The majority shareholder is Mahindra & Mahindra Limited, which holds a significant 52.16% of the company. In addition, mutual funds collectively hold 17.48% through 28 different schemes, while foreign institutional investors (FIIs) account for 10.68% with 211 FIIs involved. The highest public shareholder is the Life Insurance Corporation of India, specifically the LIC-P & GS Fund, which holds 10.24%. Individual investors make up 5.12% of the shareholding.

Has M & M Fin. Serv. declared dividend?

Mahindra & Mahindra Financial Services Ltd has declared a dividend of 315% (₹6.3 per share) with an ex-date of July 16, 2024. While recent short-term returns have been negative, long-term returns over several years show strong positive growth.

Mahindra & Mahindra Financial Services Ltd has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 315%<BR>- Amount per share: 6.3<BR>- Ex-date: Jul-16-2024<BR><BR>Dividend Yield: 2.13%.<BR><BR>Total Returns by Period:<BR>Over the past 6 months, the price return was -0.68%, with a dividend return of 0%, resulting in a total return of -0.68%.<BR><BR>In the 1-year period, the price return was -0.72%, the dividend return was 2.16%, leading to a total return of 1.44%.<BR><BR>For the 2-year period, the price return was -6.12%, the dividend return was 3.89%, resulting in a total return of -2.23%.<BR><BR>During the 3-year period, the price return was 48.16%, with a dividend return of 9.39%, which resulted in a total return of 57.55%.<BR><BR>In the 4-year period, the price return was 64.2%, the dividend return was 10.53%, leading to a total return of 74.73%.<BR><BR>Over the 5-year period, the price return was 78.82%, with a dividend return of 9.03%, resulting in a total return of 87.85%.<BR><BR>Overall, Mahindra & Mahindra Financial Services Ltd has declared a significant dividend, and while recent short-term returns have been negative, the longer-term returns over several years show strong positive growth, indicating a potentially favorable investment outlook.