Mahindra & Mahindra Financial Services Limited
Mahindra & Mahindra Financial Services Limited, a non-banking financial company, engages in financing business in India. The company operates through Financing Activities and Other Reconciling Items segments. It offers vehicle financing for auto, utility vehicles, passenger cars, tractors, commercial vehicles, and construction equipment; pre-owned vehicle financing; and vehicle leasing solutions through its digital platform Quiklyz to fleet operators, farmers, businesses, self-employed, and salaried individuals. The company also provides loan against property, equipment finance, working capital finance, and supply chain finance for micro, small and medium enterprises (MSME); asset management and trusteeship services; insurance broking and advisory services; and engages in the life, health, motor, and property insurance distribution. It serves retail and commercial customers, individuals, and entrepreneurs, as well as businesses operating in agriculture, transportation, and small and medium enterprises. 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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Maintains healthy dividend payout of 44.0%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ16.06 K Cr | β | βΉ2.35 K Cr | β | β | β | 18.5% | 33.2% |
| Mar 2024 | βΉ13.55 K Cr | β | βΉ1.76 K Cr | β | β | β | 22.6% | -11.3% |
| Mar 2023 | βΉ11.05 K Cr | β | βΉ1.98 K Cr | β | β | β | 13.7% | 100.6% |
| Mar 2022 | βΉ9.72 K Cr | β | βΉ989.00 Cr | β | β | β | -7.5% | 195.2% |
| Mar 2021 | βΉ10.51 K Cr | β | βΉ335.00 Cr | β | β | β | 2.6% | -63.0% |
| Mar 2020 | βΉ10.24 K Cr | β | βΉ906.00 Cr | β | β | β | 16.3% | -41.8% |
| Mar 2019 | βΉ8.81 K Cr | β | βΉ1.56 K Cr | β | β | β | 30.5% | 44.7% |
| Mar 2018 | βΉ6.75 K Cr | β | βΉ1.08 K Cr | β | β | β | 8.2% | 169.0% |
| Mar 2017 | βΉ6.23 K Cr | β | βΉ400.00 Cr | β | β | β | 5.7% | -40.6% |
| Mar 2016 | βΉ5.90 K Cr | β | βΉ673.00 Cr | β | β | β | 5.8% | -19.1% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 17,276 |
| Finance Costs | 8,354 |
| Total Expenses | 5,252 |
| Financing Profit | 3,670 |
| Financing Margin % | 21% |
| Other Income | 41 |
| Depreciation & Amortisation | 301 |
| Profit Before Tax | 3,409 |
| Tax % | - |
| Net Profit / PAT | 2,561 |
| EPS (βΉ) | 18.43 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Mahindra & Mahindra Financial Services Limitedthis co. | βΉ50.38 K Cr | βΉ16.06 K Cr | 19.70 | 2.19 | 0.00 | 18.5% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |