Mahindra & Mahindra Financial Services Ltd. (IN:M&MFIN)
:M&MFIN
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M&MFIN Stock Chart & Stats
₹299.75
₹1.60(0.58%)
At close: 4:00 PM EST
₹299.75
₹1.60(0.58%)
Day’s Range― - ―
52-Week Range₹236.23 - ₹412.30
Previous CloseN/A
Volume2.58M
Average Volume (3M)118.99K
Market Cap
₹444.62B
Enterprise Value₹8.65B
Total Cash (Recent Filing)₹1.25B
Total Debt (Recent Filing)₹5.20B
Price to Earnings (P/E)8.4
Beta1.50
Next Earnings
Jul 28, 2026EPS Estimate
5.22Next Dividend Ex-DateN/A
Dividend Yield2.83%
Share Statistics
EPS (TTM)6.29
Shares Outstanding1,389,971,200
10 Day Avg. Volume127,276
30 Day Avg. Volume118,992
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.19
Price to Sales (P/S)0.21
P/FCF Ratio4.43
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹369.50Price Target Upside23.27% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)24.6
Revenue Forecast (FY)₹115.00B
Bulls Say, Bears Say
Bulls Say
Franchise & DistributionM&MFIN’s specialization in rural and semi-urban vehicle/equipment lending, tied to the Mahindra Group ecosystem, provides durable origination and distribution advantages. Captive dealer channels and brand affinity support steady loan flows, lower acquisition costs, and scalable cross-sell over time.
Top-line And EPS Growth TrendReported revenue and EPS growth indicate the company has been expanding lending volumes and improving earnings power. For an NBFC, sustained revenue and EPS growth enhance risk pooling, create operating leverage in credit admin, and expand capacity to fund growth or absorb credit costs over the medium term.
Improving Balance-Sheet CapacityEquity growth alongside a trend toward lower debt/equity provides greater funding headroom and resilience. Improved capitalization supports loan book growth and offers a buffer against asset stress, reducing the probability of forced deleveraging and improving medium-term financial flexibility.
Bears Say
Weak Cash ConversionMulti-year negative operating and free cash flow shows earnings have not reliably converted to cash. This forces greater reliance on external borrowings, heightens funding-cost sensitivity, limits organic funding for loan growth, and increases vulnerability to funding-market dislocations over the medium term.
Volatile Revenue & Thin MarginsPersistent revenue volatility and thin net margins reduce retained earnings and operating cushion. Limited margin headroom makes profits highly sensitive to credit losses, interest-cost increases, or slower disbursements, constraining the firm’s ability to build capital organically and sustain returns through cycles.
Moderate-to-Elevated Leverage & ROE VariabilityDebt/equity in the ~1.1–1.9x range and variable ROE imply ongoing funding and profitability sensitivity. Elevated leverage raises refinancing and interest-rate risks for a lending business, potentially limiting strategic flexibility and amplifying earnings volatility if funding costs rise or asset quality weakens.
Mahindra & Mahindra Financial Services Ltd. News
M&MFIN FAQ
What was Mahindra & Mahindra Financial Services Ltd.’s price range in the past 12 months?
Mahindra & Mahindra Financial Services Ltd. lowest stock price was ₹236.23 and its highest was ₹412.30 in the past 12 months.
What is Mahindra & Mahindra Financial Services Ltd.’s market cap?
Mahindra & Mahindra Financial Services Ltd.’s market cap is ₹444.62B.
When is Mahindra & Mahindra Financial Services Ltd.’s upcoming earnings report date?
Mahindra & Mahindra Financial Services Ltd.’s upcoming earnings report date is Jul 28, 2026 which is in 89 days.
How were Mahindra & Mahindra Financial Services Ltd.’s earnings last quarter?
Mahindra & Mahindra Financial Services Ltd. released its earnings results on Apr 24, 2026. The company reported ₹6.29 earnings per share for the quarter, missing the consensus estimate of ₹6.322 by -₹0.032.
Is Mahindra & Mahindra Financial Services Ltd. overvalued?
According to Wall Street analysts Mahindra & Mahindra Financial Services Ltd.’s price is currently Undervalued.
Does Mahindra & Mahindra Financial Services Ltd. pay dividends?
Mahindra & Mahindra Financial Services Ltd. pays a Quarterly dividend of ₹16.334 which represents an annual dividend yield of 2.83%. See more information on Mahindra & Mahindra Financial Services Ltd. dividends here
What is Mahindra & Mahindra Financial Services Ltd.’s EPS estimate?
Mahindra & Mahindra Financial Services Ltd.’s EPS estimate is 5.22.
How many shares outstanding does Mahindra & Mahindra Financial Services Ltd. have?
Mahindra & Mahindra Financial Services Ltd. has 1,389,971,200 shares outstanding.
What happened to Mahindra & Mahindra Financial Services Ltd.’s price movement after its last earnings report?
Mahindra & Mahindra Financial Services Ltd. reported an EPS of ₹6.29 in its last earnings report, missing expectations of ₹6.322. Following the earnings report the stock price went down -0.876%.
Which hedge fund is a major shareholder of Mahindra & Mahindra Financial Services Ltd.?
Currently, no hedge funds are holding shares in IN:M&MFIN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Mahindra & Mahindra Financial Services Ltd.
Mahindra & Mahindra Financial Services Limited, a non-banking financial company, provides asset finance in the rural and semi-urban areas in India. The company offers vehicle financing for auto and utility vehicles, tractors, cars, commercial vehicles and construction equipment, and preowned and other vehicles to transport operators, farmers, small businesses, and self-employed and salaried individuals; personal loans for wedding, children education, and medical emergency; and project finance, equipment finance, working capital finance, vehicle finance, and bill discounting services to small and medium-sized enterprises. It also provides housing finance for purchase, construction, extension, and renovation of property; mutual fund schemes; investments comprising fixed deposits and mutual fund distribution, as well as advisory services; and life and non-life insurance, as well as reinsurance products. Mahindra & Mahindra Financial Services Limited was incorporated in 1991 and is headquartered in Mumbai, India. Mahindra & Mahindra Financial Services Limited is a subsidiary of Mahindra & Mahindra Limited.
M&MFIN Stock 12 Month Forecast
Average Price Target
₹369.50
▲(23.27% Upside)
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