ScoreWhy is Mahindra & Mahindra Financial Services Ltd ?
1
Poor long term growth as Net Sales has grown by an annual rate of 9.99%
2
Positive results in Sep 25
- PAT(Latest six months) At Rs 1,092.35 cr has Grown at 23.14%
- NET SALES(Q) Highest at Rs 5,026.19 cr
- PBT LESS OI(Q) At Rs 735.47 cr has Grown at 44.53%
3
With ROE of 10, it has a Fair valuation with a 1.9 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 31.52%, its profits have risen by 13.2% ; the PEG ratio of the company is 5.8
4
High Institutional Holdings at 41.88%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Market Beating performance in long term as well as near term
- Along with generating 31.52% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to M & M Fin. Serv. should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is M & M Fin. Serv. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
M & M Fin. Serv.
32.13%
1.09
28.88%
Sensex
4.83%
0.40
11.83%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
23
Price to Book Value
1.95
EV to EBIT
13.56
EV to EBITDA
13.18
EV to Capital Employed
1.17
EV to Sales
8.29
PEG Ratio
5.76
Dividend Yield
1.87%
ROCE (Latest)
8.61%
ROE (Latest)
9.96%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
PAT(Latest six months)
At Rs 1,092.35 cr has Grown at 23.14%
NET SALES(Q)
Highest at Rs 5,026.19 cr
PBT LESS OI(Q)
At Rs 735.47 cr has Grown at 44.53%
CASH AND CASH EQUIVALENTS(HY)
Highest at Rs 62,901.40 cr
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Loading Valuation Snapshot...
Here's what is working for M & M Fin. Serv.
Net Sales - Quarterly
Highest at Rs 5,026.19 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 735.47 cr has Grown at 44.53%
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 564.48 cr has Grown at 45.0%
Year on Year (YoY)MOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Cash and Cash Equivalents - Half Yearly
Highest at Rs 62,901.40 cr
in the last six half yearly periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for M & M Fin. Serv.
Non Operating Income - Quarterly
Highest at Rs 23.26 cr
in the last five quartersMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating Income
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