MAS FINANC SER

Why is MAS Financial Services Ltd falling/rising?

As of 07-Aug, MAS Financial Services Ltd's stock price is Rs 302.80, down 2.5%, reflecting underperformance against the Sensex. Despite strong long-term fundamentals, negative market sentiment and declining investor participation are driving the stock's current bearish trend.

As of 07-Aug, MAS Financial Services Ltd is experiencing a decline in its stock price, currently at Rs 302.80, which reflects a change of -7.75 (-2.5%). This downward movement can be attributed to several factors highlighted in the provided data. <BR><BR>Over the past week, the stock has decreased by 5.33%, while the benchmark Sensex has increased by 0.52%, indicating underperformance relative to the market. Additionally, the stock has shown a decline of 6.77% over the past month, contrasting with a slight gain of 0.41% in the Sensex during the same period. Year-to-date, the stock is down 6.28%, although it has outperformed the Sensex, which has declined by 7.89%.<BR><BR>Today's trading performance indicates that the stock is trading lower than its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This suggests a bearish trend. Furthermore, there has been a significant drop in investor participation, with delivery volume falling by 71.35% compared to the 5-day average, which may indicate a lack of confidence among investors.<BR><BR>Despite these negative indicators, the company has demonstrated strong long-term fundamental strength, with a 25.00% compound annual growth rate (CAGR) in operating profits and a net profit growth of 27.21%. However, the current market sentiment appears to be overshadowing these positive fundamentals, contributing to the stock's decline.

Which are the latest news on MAS FINANC SER?

Are MAS Financial Services Ltd latest results good or bad?

MAS Financial Services Ltd's latest results are positive, with a Q1 FY27 net profit of ₹108.46 crores, a 26.78% year-on-year increase, and net sales growth of 20.70%. Despite slight margin pressures, the company maintains a healthy PAT margin of 19.58% and a commendable ROE of 12.60%.

The latest results for MAS Financial Services Ltd are quite positive. In Q1 FY27, the company reported a net profit of ₹108.46 crores, which reflects a significant year-on-year increase of 26.78%. Additionally, net sales grew by 20.70% compared to the same quarter last year, indicating strong revenue growth.<BR><BR>The company has also maintained a healthy profit after tax (PAT) margin of 19.58%, which is an improvement from the previous year. Although there was a slight contraction in the operating profit margin due to rising interest costs, the overall financial performance demonstrates robust growth and effective cost management.<BR><BR>Moreover, the return on equity (ROE) stands at 12.60%, which is commendable for the NBFC sector, showcasing efficient capital utilization. Overall, MAS Financial Services appears to be navigating the competitive lending environment effectively, maintaining strong growth momentum, and demonstrating resilience despite some margin pressures.

Should I buy, sell or hold MAS Financial Services Ltd?

When is the next results date for MAS Financial Services Ltd?

The next results date for MAS Financial Services Ltd is July 29, 2026.

The next results date for MAS Financial Services Ltd is scheduled for July 29, 2026.

What does MAS FINANC SER do?

MAS Financial Services Ltd is a Gujarat-based NBFC that provides retail financing to lower and middle-income groups. As of March 2026, it reported net sales of ₹542 Cr and a net profit of ₹103 Cr, with a market cap of ₹5,501 Cr.

Overview:<BR>MAS Financial Services Ltd is a Gujarat-headquartered Non Banking Financial Company (NBFC) specializing in providing retail financing services to lower and middle-income groups.<BR><BR>History:<BR>The company has been operational for more than two decades and is based in Ahmedabad. The latest quarterly results reported are for March 2026, showing net sales and profit figures.<BR><BR>Financial Snapshot:<BR>- Net Sales: 542 Cr (Quarterly Results - Mar 2026)<BR>- Net Profit: 103 Cr (Quarterly Results - Mar 2026)<BR>- Market cap: INR 5,501 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 14.00<BR>- Industry P/E: 20<BR>- Dividend Yield: 0.63%<BR>- Debt Equity: 3.47<BR>- Return on Equity: 12.60%<BR>- Price to Book: 1.84<BR><BR>Contact Details:<BR>Address: 6 Narayan Chambers Ground Flr, Behind Patang Hotel Ashram Road Ahmedabad Gujarat : 380009<BR>Tel: 91-79-30016500<BR>Email: secretarial@mas.co.in<BR>Website: http://www.mas.co.in

How big is MAS FINANC SER?

As of 10th June, MAS Financial Services Ltd has a market capitalization of 5,501.00 Cr, with Net Sales of 1,995.43 Cr and a Net Profit of 371.21 Cr for the latest four quarters.

As of 10th June, MAS Financial Services Ltd has a market capitalization of 5,501.00 Cr, classifying it as a Small Cap company.<BR><BR>For the latest four quarters, the company reported Net Sales of 1,995.43 Cr and a Net Profit of 371.21 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 2,609.03 Cr and Total Assets of 12,191.61 Cr.

Who are in the management team of MAS FINANC SER?

The management team of MAS FINANC SER includes Kamlesh Chimanlal Gandhi (Chairman & Managing Director), Darshana Saumil Pandya (CEO), and several independent directors: Balabhaskaran, Chetan Ramniklal Shah, Umesh Rajanikant Shah, Daksha Niranjan Shah, along with Riddhi Bhaveshbhai Bhayani (Company Secretary) and Narayanan Sadanandan. They oversee the company's strategic direction and governance.

The management team of MAS FINANC SER includes the following individuals:<BR><BR>1. **Kamlesh Chimanlal Gandhi** - Chairman & Managing Director<BR>2. **Darshana Saumil Pandya** - Director & Chief Executive Officer<BR>3. **Balabhaskaran** - Independent Director<BR>4. **Chetan Ramniklal Shah** - Independent Director<BR>5. **Umesh Rajanikant Shah** - Independent Director<BR>6. **Riddhi Bhaveshbhai Bhayani** - Company Secretary & Compliance Officer<BR>7. **Daksha Niranjan Shah** - Independent Director<BR>8. **Narayanan Sadanandan** - Independent Director<BR><BR>This team is responsible for the strategic direction and governance of the company.

Who are the peers of the MAS FINANC SER?

Peers of MAS FINANC SER include SBFC Finance, Religare Enterprises, Bengal & Assam, Dhenu Buildcon, Fedbank Finance, Paisalo Digital, Northern ARC, Indostar Capital, and SG Finserve. MAS FINANC SER has a 1-year return of -3.10%, with excellent management risk and capital structure, but below average growth compared to its peers.

Peers: The peers of MAS FINANC SER are SBFC Finance, Religare Enterp., Bengal & Assam, Dhenu Buildcon, Fedbank Financi., Paisalo Digital, Northern ARC, Indostar Capital, and SG Finserve.<BR><BR>Quality Snapshot: Excellent management risk is observed at SBFC Finance and MAS FINANC SER, while Average management risk is found at Religare Enterp., Bengal & Assam, Fedbank Financi., Paisalo Digital, Northern ARC, Indostar Capital, and SG Finserve, and the rest. Good growth is noted at SBFC Finance, MAS FINANC SER, Fedbank Financi., and Paisalo Digital, while Below Average growth is seen at Religare Enterp., Bengal & Assam, Northern ARC, and Indostar Capital, and the rest. Excellent capital structure is present at SBFC Finance, Religare Enterp., Bengal & Assam, Fedbank Financi., Paisalo Digital, MAS FINANC SER, Northern ARC, Indostar Capital, and SG Finserve, and the rest.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Dhenu Buildcon at 104.62%, while the lowest is Indostar Capital at -29.83%. MAS FINANC SER's 1-year return is -3.10%, which is higher than Indostar Capital's but lower than Dhenu Buildcon's. Additionally, the peers with negative six-month returns include SBFC Finance, Indostar Capital, and MAS FINANC SER.

Has MAS Financial Services Ltd declared dividend?

Yes, MAS Financial Services Ltd has declared a dividend of 12% (₹0.70 per share) with an ex-date of February 4, 2026. The company has shown positive total returns across most periods, with a 1-year total return of 27.19%.

MAS Financial Services Ltd has declared a dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 12%<BR>- Amount per share: 0.70<BR>- Ex-date: 04 Feb 26<BR><BR>Dividend Yield: 0.53%<BR><BR>Total Returns by Period:<BR>In the last 3 months, the price return was 4.56%, the dividend return was 0.37%, resulting in a total return of 4.93%.<BR><BR>Over the past 6 months, the price return was 4.8%, the dividend return was 0.63%, leading to a total return of 5.43%.<BR><BR>In the 1-year period, the price return was 26.05%, the dividend return was 1.14%, culminating in a total return of 27.19%.<BR><BR>For the 2-year period, the price return was -2.66%, the dividend return was 1.04%, resulting in a total return of -1.62%.<BR><BR>In the last 3 years, the price return was 26.51%, the dividend return was 3.04%, leading to a total return of 29.55%.<BR><BR>Over the past 4 years, the price return was 95.48%, the dividend return was 6.15%, culminating in a total return of 101.63%.<BR><BR>In the 5-year period, the price return was 11.15%, the dividend return was 5.24%, resulting in a total return of 16.39%.<BR><BR>Overall, MAS Financial Services Ltd has declared a significant dividend and has shown positive total returns across most periods, indicating a favorable performance for investors.

Is MAS FINANC SER overvalued or undervalued?

As of December 4, 2025, MAS FINANC SER is considered undervalued with a favorable PE ratio of 16.77 and an attractive valuation compared to peers, having outperformed the Sensex with a year-to-date return of 13.34%.

As of 4 December 2025, the valuation grade for MAS FINANC SER has moved from fair to attractive, indicating a positive shift in its perceived value. The company is currently considered undervalued, with a PE ratio of 16.77, an EV to EBITDA ratio of 10.71, and a PEG ratio of 0.84, suggesting that it is trading at a lower valuation compared to its growth prospects.<BR><BR>In comparison to its peers, MAS FINANC SER's valuation metrics stand out favorably. For instance, Bajaj Finance is deemed very expensive with a PE ratio of 34.9, while Life Insurance is classified as very attractive with a PE of 10.85. This highlights that MAS FINANC SER is positioned competitively within its industry. Additionally, the company's recent stock performance has outpaced the Sensex, with a year-to-date return of 13.34% compared to the Sensex's 9.12%, reinforcing the attractiveness of its current valuation.

How has been the historical performance of MAS FINANC SER?

MAS FINANC SER has shown consistent growth in net sales and profits, with net sales increasing from 690.24 Cr in March 2022 to 1,596.48 Cr in March 2025, and profit after tax rising from 161.20 Cr to 313.98 Cr in the same period, despite higher interest expenses and negative cash flow from operations. Total liabilities and assets both rose to 12,191.61 Cr by March 2025.

Answer:<BR>The historical performance of MAS FINANC SER shows a consistent growth trend in net sales and profits over the years, culminating in the fiscal year ending March 2025.<BR><BR>Breakdown:<BR>MAS FINANC SER has demonstrated significant growth in net sales, increasing from 690.24 Cr in March 2022 to 1,596.48 Cr in March 2025. The total operating income followed a similar trajectory, reaching 1,596.48 Cr in March 2025, up from 690.24 Cr in March 2022. Operating profit (PBDIT) also saw a rise, climbing to 1,189.41 Cr in March 2025 from 557.30 Cr in March 2022. However, interest expenses increased notably, reaching 762.80 Cr in March 2025, compared to 338.68 Cr in March 2022, impacting profit before tax, which was 421.01 Cr in March 2025, up from 216.55 Cr in March 2022. The profit after tax increased to 313.98 Cr in March 2025 from 161.20 Cr in March 2022. On the balance sheet, total liabilities rose to 12,191.61 Cr in March 2025 from 6,294.35 Cr in March 2022, while total assets increased to 12,191.61 Cr from 6,294.35 Cr in the same period. Cash flow from operating activities remained negative but improved to -1,133.00 Cr in March 2025 from -805.00 Cr in March 2022, while cash flow from financing activities surged to 2,197.00 Cr in March 2025, indicating strong financing support. Overall, MAS FINANC SER has shown robust growth in revenue and profits, despite rising interest costs and negative cash flow from operations.

Is MAS FINANC SER technically bullish or bearish?

As of October 1, 2025, the trend has shifted to mildly bullish, supported by daily moving averages, though caution is advised due to mixed signals from weekly indicators.

As of 1 October 2025, the technical trend has changed from sideways to mildly bullish. The current stance is mildly bullish, driven primarily by the daily moving averages indicating a bullish sentiment. However, the weekly MACD and KST are mildly bearish, suggesting some caution. The monthly indicators, including MACD and Bollinger Bands, are bullish, reinforcing the overall positive outlook. The RSI shows no signals, indicating a lack of momentum in either direction. Overall, while there are mixed signals in the weekly timeframe, the shift to a mildly bullish trend suggests a positive outlook in the short term.

Who are the top shareholders of the MAS FINANC SER?

The top shareholders of MAS FINANC SER include Shweta Kamlesh Gandhi with 27.01%, mutual funds with 12.86%, 82 foreign institutional investors holding 3.12%, and the Business Excellence Trust III at 6.69%, along with individual investors representing 7.66%.

The top shareholders of MAS FINANC SER include several key players. The majority shareholder is Shweta Kamlesh Gandhi, who holds 27.01% of the shares. Additionally, the company has mutual funds represented by six schemes, collectively holding 12.86%. There are also 82 foreign institutional investors (FIIs) with a combined holding of 3.12%. The highest public shareholder is the Business Excellence Trust III - India Business Excellence Fund III, which holds 6.69%. Individual investors account for 7.66% of the total holdings.

What is the bonus history of the MAS FINANC SER?

MAS Financial Services Ltd has announced a 2:1 bonus issue, with an ex-date and record date of February 22, 2024, meaning shareholders will receive two additional shares for every one share held as of that date.

MAS Financial Services Ltd has a recent bonus issue history that includes a 2:1 bonus announcement. The ex-date for this bonus is set for February 22, 2024, which is also the record date. This means that shareholders on record as of this date will receive two additional shares for every one share they currently hold. If you have any more questions about the company or its financial activities, feel free to ask!