MAS Financial Services Limited
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro-enterprises, small and medium businesses, two-wheeler, commercial vehicle, used vehicle loans, and salaried personal loans, tractor, and housing loans. It serves through a distribution network of partner microfinance institutions, non-banking finance companies, housing finance companies, and franchisees. MAS Financial Services Limited was incorporated in 1995 and is based in Ahmedabad, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Maintains healthy dividend payout of 23.0%
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 | βΉ1.52 K Cr | β | βΉ306.00 Cr | β | β | β | 23.8% | 23.4% |
| Mar 2024 | βΉ1.23 K Cr | β | βΉ248.00 Cr | β | β | β | 30.8% | 23.4% |
| Mar 2023 | βΉ939.00 Cr | β | βΉ201.00 Cr | β | β | β | 43.1% | 27.2% |
| Mar 2022 | βΉ656.00 Cr | β | βΉ158.00 Cr | β | β | β | 10.4% | 9.7% |
| Mar 2021 | βΉ594.00 Cr | β | βΉ144.00 Cr | β | β | β | -11.6% | -13.8% |
| Mar 2020 | βΉ672.00 Cr | β | βΉ167.00 Cr | β | β | β | 17.5% | 9.9% |
| Mar 2019 | βΉ572.00 Cr | β | βΉ152.00 Cr | β | β | β | 26.8% | 47.6% |
| Mar 2018 | βΉ451.00 Cr | β | βΉ103.00 Cr | β | β | β | 32.3% | 53.7% |
| Mar 2017 | βΉ341.00 Cr | β | βΉ67.00 Cr | β | β | β | 16.0% | 26.4% |
| Mar 2016 | βΉ294.00 Cr | β | βΉ53.00 Cr | β | β | β | 30.1% | 35.9% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 1,705 |
| Finance Costs | 793 |
| Total Expenses | 464 |
| Financing Profit | 448 |
| Financing Margin % | 26% |
| Other Income | 4 |
| Depreciation & Amortisation | 6 |
| Profit Before Tax | 447 |
| Tax % | - |
| Net Profit / PAT | 333 |
| EPS (βΉ) | 18.31 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| MAS Financial Services Limitedthis co. | βΉ5.67 K Cr | βΉ1.52 K Cr | 17.00 | 2.03 | 0.00 | 23.8% |
| 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% |