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Mahindra & Mahindra Financial Services Ltd. (IN:M&MFIN)
:M&MFIN
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Mahindra & Mahindra Financial Services Ltd.
(M&MFIN)
Select Model
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Rating:52Neutral
Price Target:
₹407.00
▲(14.63% Upside)
The score is primarily constrained by weak recent cash generation and ongoing leverage, despite improving reported earnings and balance-sheet growth. Valuation is moderately supportive (P/E ~21 and ~2.65% dividend yield), while technical trend/momentum cannot be meaningfully assessed due to missing indicators.
Mahindra & Mahindra Financial Services Ltd. (M&MFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹484.63B
Dividend Yield2.83%
Average Volume (3M)118.99K
Price to Earnings (P/E)18.4
Beta (1Y)1.67
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees26,662
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)4.10
Shares Outstanding1,389,971,200
10 Day Avg. Volume127,276
30 Day Avg. Volume118,992
Financial Highlights & Ratios
PEG Ratio0.00
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹335.00Price Target Upside-5.65% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Mahindra & Mahindra Financial Services Ltd. Business Overview & Revenue Model
Company DescriptionMahindra & 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.
How the Company Makes Money
Mahindra & Mahindra Financial Services Ltd. Financial Statement Overview
Summary
Income Statement
Balance Sheet
Cash Flow
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 116.52B | 90.70B | 81.37B | 124.99B | 112.34B | 118.65B |
| Gross Profit | 93.72B | 90.70B | 81.43B | 73.94B | 68.24B | 67.59B |
| EBITDA | 4.71B | 909.00M | 0.00 | 30.30B | 17.01B | 10.85B |
| Net Income | 22.92B | 22.62B | 19.33B | 20.72B | 11.37B | 7.73B |
Balance Sheet | ||||||
| Total Assets | 15.55B | 1.44T | 1.24T | 1.05T | 838.09B | 856.01B |
| Cash, Cash Equivalents and Short-Term Investments | 829.00M | 1.31B | 39.32B | 40.67B | 44.52B | 34.89B |
| Total Debt | 5.48B | 800.21B | 643.30B | 481.02B | 361.12B | 368.55B |
| Total Liabilities | 10.23B | 1.23T | 1.04T | 863.83B | 667.71B | 697.25B |
| Stockholders Equity | 15.55B | 215.29B | 199.33B | 185.60B | 168.96B | 157.76B |
Cash Flow | ||||||
| Free Cash Flow | 105.64B | -160.44B | -187.72B | -178.09B | -2.83B | 57.80B |
| Operating Cash Flow | 74.90B | -156.02B | -184.49B | -173.95B | 180.60M | 58.26B |
| Investing Cash Flow | 39.66B | -10.77B | 26.70B | -16.35B | 31.11B | -83.48B |
| Financing Cash Flow | 213.82B | 176.05B | 160.95B | 188.52B | -31.73B | 25.48B |
Mahindra & Mahindra Financial Services Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹482.88B | 7.93 | ― | 2.60% | 18.36% | 14.53% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ₹750.04B | 27.72 | ― | 0.91% | 15.90% | 4.53% | |
56 Neutral | ₹375.68B | 164.92 | ― | ― | 34.63% | -48.50% | |
55 Neutral | ₹290.60B | 5.26 | ― | 1.87% | 4.79% | 13.08% | |
52 Neutral | ₹484.63B | 18.40 | ― | 2.83% | ― | ― | |
45 Neutral | ₹342.02B | 15.35 | ― | 0.07% | 22.50% | 8.48% |
* Financial Sector Average
IN:M&MFIN
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.