| Quarterly Financials | Mar 2015 | Jun 2015 | Sept 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sept 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sept 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 |
Revenue  | 1,680 | 1,513 | 1,587 | 1,593 | 1,905 | 1,579 | 1,741 | 1,748 | 2,133 | 1,886 | 1,986 | 2,246 | 2,507 | 2,315 | 2,535 | 2,714 | 2,914 | 2,852 | 2,948 | 3,094 | 3,149 | 3,311 | 3,071 | 3,017 | 3,053 | 2,584 | 2,983 | 2,996 | 2,904 | 2,926 | 3,041 | 3,360 | 3,549 | 3,651 | 3,878 | 4,150 | 4,348 | 4,374 | 4,494 | 4,815 |
| Expenses | 440 | 639 | 614 | 694 | 512 | 631 | 749 | 877 | 866 | 954 | 943 | 776 | 809 | 854 | 817 | 878 | 581 | 1,388 | 1,052 | 1,071 | 1,392 | 1,368 | 1,175 | 1,982 | 1,534 | 3,541 | 318 | 556 | 933 | 1,512 | 1,127 | 1,041 | 1,073 | 1,504 | 1,724 | 1,456 | 1,520 | 1,676 | 1,830 | 1,325 |
| EBITDA | 1,240 | 874 | 974 | 899 | 1,393 | 947 | 993 | 871 | 1,266 | 932 | 1,043 | 1,470 | 1,698 | 1,461 | 1,718 | 1,837 | 2,333 | 1,464 | 1,896 | 2,023 | 1,756 | 1,943 | 1,896 | 1,035 | 1,518 | -958 | 2,665 | 2,440 | 1,971 | 1,414 | 1,914 | 2,320 | 2,476 | 2,146 | 2,154 | 2,693 | 2,829 | 2,698 | 2,664 | 3,490 |
| Operating Profit % | 74 % | 58 % | 61 % | 56 % | 73 % | 60 % | 56 % | 49 % | 59 % | 49 % | 52 % | 64 % | 68 % | 63 % | 67 % | 67 % | 80 % | 51 % | 64 % | 65 % | 55 % | 55 % | 61 % | 33 % | 49 % | -39 % | 89 % | 81 % | 67 % | 48 % | 63 % | 69 % | 69 % | 58 % | 55 % | 64 % | 65 % | 61 % | 59 % | 72 % |
| Depreciation | 11 | 11 | 11 | 12 | 12 | 12 | 13 | 13 | 16 | 13 | 13 | 14 | 15 | 16 | 19 | 20 | 21 | 41 | 43 | 43 | 19 | 38 | 40 | 37 | 37 | 33 | 34 | 35 | 50 | 43 | 55 | 63 | 65 | 66 | 67 | 69 | 72 | 76 | 79 | 82 |
| Interest | 678 | 693 | 710 | 730 | 736 | 764 | 789 | 831 | 802 | 828 | 855 | 873 | 870 | 957 | 1,053 | 1,153 | 1,270 | 1,263 | 1,346 | 1,351 | 1,431 | 1,401 | 1,369 | 1,312 | 1,226 | 1,151 | 1,143 | 1,071 | 1,053 | 1,052 | 1,192 | 1,373 | 1,477 | 1,597 | 1,703 | 1,798 | 1,861 | 1,960 | 2,062 | 2,175 |
| Profit Before Tax | 551 | 170 | 253 | 157 | 645 | 171 | 191 | 28 | 448 | 91 | 175 | 583 | 813 | 488 | 646 | 665 | 1,041 | 160 | 507 | 629 | 306 | 504 | 488 | -313 | 256 | -2,141 | 1,488 | 1,334 | 869 | 318 | 668 | 884 | 934 | 483 | 383 | 826 | 896 | 662 | 523 | 1,233 |
| Tax | 179 | 60 | 93 | 56 | 227 | 61 | 73 | 12 | 162 | 30 | 69 | 211 | 300 | 166 | 211 | 255 | 341 | 52 | 243 | 154 | 68 | 72 | 135 | -90 | 37 | -568 | 385 | 342 | 240 | 79 | 176 | 219 | 259 | 121 | 96 | 203 | 225 | 165 | 133 | 315 |
| Net Profit | 372 | 110 | 160 | 101 | 418 | 110 | 118 | 16 | 286 | 61 | 106 | 371 | 513 | 322 | 435 | 410 | 701 | 109 | 264 | 475 | 239 | 432 | 353 | -223 | 219 | -1,573 | 1,103 | 992 | 629 | 240 | 492 | 664 | 675 | 362 | 287 | 623 | 671 | 497 | 390 | 918 |
| EPS in ₹ | 6.51 | 1.91 | 2.78 | 1.71 | 7.29 | 1.91 | 2.02 | 0.21 | 4.93 | 1.03 | 1.78 | 6.37 | 8.43 | 5.14 | 6.93 | 6.49 | 11.17 | 1.74 | 4.25 | 5.25 | 2.61 | 7.01 | 3.31 | -1.84 | 1.76 | -12.77 | 8.93 | 8.01 | 5.06 | 1.94 | 3.98 | 5.36 | 5.52 | 2.91 | 2.28 | 5.05 | 5.43 | 4.03 | 3.15 | 7.43 |
M&M Financial Services
293.10
+1.75
(0.60%)
Market Cap
35,997.20 Cr
EPS
15.66
PE Ratio
14.55
Dividend Yield
2.16 %
Industry
Financial Services52 Week High
343.00
52 Week Low
246.20
PB Ratio
1.79
Debt to Equity
4.67
Sector
NBFC
Live Chart 
Investment Returns
In Long Term
In Short Term
1 Year
0.00%
2 Years
0.00%
3 Years
0.00%
4 Years
0.00%
5 Years
0.00%
Analyst Rating
- By Refinitiv from33 analysts
Peer Comparison Compare Peers on Screener
| Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
| 9,090.05 | 5,51,903.40 | 34.59 | 54,982.50 | 32.75 | 14,451 | 18.39 | 71.83 | |
| 232.68 | 1,45,563.20 | 90.55 | 1,854.70 | 4,039.96 | 1,605 | 0.34 | 53.33 | |
| 1,529.30 | 1,29,354.20 | 31.80 | 19,419.90 | 48.18 | 3,411 | 24.79 | 66.15 | |
| 682.00 | 1,27,258.30 | 15.69 | 36,413.00 | 19.35 | 7,391 | 73.39 | 72.88 | |
| 2,352.55 | 94,609.00 | 19.04 | 15,162.70 | 26.62 | 4,468 | 21.51 | 62.37 | |
| 854.50 | 81,577.90 | 39.90 | 17,483.50 | 22.39 | 2,408 | -30.21 | 59.47 | |
| 4,781.50 | 54,681.40 | 33.00 | 7,285.50 | 31.41 | 1,422 | -9.94 | 56.78 | |
| 293.10 | 35,997.20 | 14.55 | 15,970.30 | 24.45 | 1,943 | 47.29 | 62.69 | |
| 1,579.95 | 26,361.70 | 6.55 | 2,611.20 | 381.77 | 4,285 | -10.31 | 52.35 | |
| 347.30 | 26,045.10 | 152.27 | 3,147.30 | 56.71 | 1,652 | -92.95 | 73.97 |
Growth Rate
Revenue Growth
24.45 %
Net Income Growth
-6.19 %
Cash Flow Change
-6.06 %
ROE
-12.18 %
ROCE
2.43 %
EBITDA Margin (Avg.)
-3.56 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Total Assets | 38,633 | 45,007 | 53,223 | 58,730 | 74,576 | 81,793 | 85,601 | 83,809 | 1,05,085 | 1,23,716 |
| Fixed Assets | 119 | 129 | 133 | 147 | 201 | 455 | 399 | 515 | 871 | 1,008 |
| Current Assets | 17,412 | 20,628 | 23,283 | 937 | 1,658 | 2,554 | 5,043 | 6,026 | 6,947 | 5,858 |
| Capital Work in Progress | 0 | 0 | 1 | 1 | 1 | 1 | 12 | 2 | 3 | 105 |
| Investments | 95 | 547 | 576 | 2,378 | 3,327 | 5,340 | 12,126 | 8,654 | 10,063 | 9,599 |
| Other Assets | 38,420 | 44,331 | 52,512 | 56,205 | 71,046 | 75,996 | 73,064 | 74,637 | 94,148 | 1,13,004 |
| Total Liabilities | 38,633 | 45,007 | 53,223 | 58,730 | 74,576 | 81,793 | 85,601 | 83,809 | 1,05,085 | 1,23,716 |
| Current Liabilities | 15,121 | 17,204 | 20,203 | 8,317 | 7,443 | 4,100 | 5,119 | 5,142 | 9,061 | 10,490 |
| Non Current Liabilities | 17,520 | 21,266 | 25,960 | 40,413 | 55,785 | 65,634 | 64,606 | 61,629 | 77,323 | 93,251 |
| Total Equity | 5,992 | 6,537 | 7,060 | 10,000 | 11,348 | 12,059 | 15,876 | 17,038 | 18,701 | 19,975 |
| Reserve & Surplus | 5,830 | 6,357 | 6,847 | 9,732 | 11,146 | 11,846 | 15,530 | 16,650 | 18,313 | 19,686 |
| Share Capital | 113 | 113 | 113 | 123 | 123 | 123 | 246 | 247 | 247 | 247 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Net Cash Flow | -29 | 34 | 202 | -93 | 199 | 245 | 26 | -43 | -179 | 317 |
| Investing Activities | 34 | -440 | -97 | 243 | -1,213 | -2,689 | -8,349 | 3,112 | -1,635 | 2,671 |
| Operating Activities | -3,970 | -4,957 | -6,467 | -8,510 | -12,078 | -3,115 | 5,826 | 18 | -17,395 | -18,449 |
| Financing Activities | 3,907 | 5,431 | 6,766 | 8,174 | 13,490 | 6,050 | 2,549 | -3,173 | 18,852 | 16,095 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 |
| Promoter | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % | 52.16 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 14.09 % | 0.00 % | 11.96 % | 10.09 % | 10.19 % | 10.48 % |
| DIIs | 15.36 % | 15.11 % | 15.18 % | 14.94 % | 15.72 % | 16.72 % | 15.69 % | 23.76 % | 25.18 % | 26.95 % | 25.84 % | 19.68 % | 28.61 % | 30.67 % | 31.57 % | 31.16 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 5.39 % | 9.17 % | 8.06 % | 8.46 % | 8.88 % | 7.75 % | 6.99 % | 6.44 % | 6.31 % | 5.70 % | 6.24 % | 6.77 % | 6.03 % | 6.02 % | 5.22 % | 5.38 % |
| Others | 27.09 % | 23.57 % | 24.60 % | 24.45 % | 23.25 % | 23.37 % | 25.16 % | 17.65 % | 16.36 % | 15.20 % | 1.67 % | 21.39 % | 1.24 % | 1.07 % | 0.86 % | 0.81 % |
| No of Share Holders | 1,88,131 | 2,96,357 | 2,37,701 | 2,49,889 | 2,50,678 | 2,17,677 | 2,14,897 | 1,93,555 | 1,86,265 | 1,85,705 | 2,19,510 | 2,39,372 | 2,27,512 | 2,24,273 | 2,11,051 | 2,24,415 |
Dividend History
Dividends per share (FY)
Dividend yield (FY) %
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 2.4 | 4 | 6.5 | 0.00 | 0.8 | 3.6 | 6 | 6.3 | 0.00 |
| Dividend Yield (%) | 0.00 | 0.85 | 1.56 | 7.24 | 0.00 | 0.5 | 1.59 | 2.15 | 2.16 | 0.00 |
Corporate Action
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Announcements
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Credit Rating
Intimation For Transfer Of Equity Shares From Mahindra & Mahindra Financial Services Limited Employees Stock Option Trust
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Updation In Details Under The Regulation 30(5) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Credit Rating
Announcement under Regulation 30 (LODR)-Credit Rating
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Issue of Securities
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Credit Rating
Announcement under Regulation 30 (LODR)-Credit Rating
Corporate Action-Intimation of Right issue
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Announcement under Regulation 30 (LODR)-Raising of Funds
Board Meeting Outcome for Board Meeting Outcome - Fund Raising
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Board Meeting Intimation for Considering Fund Raising
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Cessation
Announcement under Regulation 30 (LODR)-Issue of Securities
Announcement under Regulation 30 (LODR)-Newspaper Publication
Updation In Details Under Regulation 30(5) Of The Securities And Exchange Board Of India (Listing Obligations And Disclosure Requirements) Regulations 2015 (Listing Regulations)
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
Integrated Filing (Financial)
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Investor Presentation
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Press Release / Media Release
Financial Results For The Quarter And Nine Months Ended 31St December 2024
Board Meeting Outcome for Financial Results For The Third Quarter And Nine Months Ended 31St December 2024
Announcement under Regulation 30 (LODR)-Allotment
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Announcement under Regulation 30 (LODR)-Credit Rating
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018
Announcement under Regulation 30 (LODR)-Issue of Securities
Announcement under Regulation 30 (LODR)-Change in Management
Announcement under Regulation 30 (LODR)-Credit Rating
Update For Q3 FY2025
Intimation For Transfer Of Equity Shares From Mahindra & Mahindra Financial Services Limited Employees Stock Option Trust
Closure of Trading Window
Board Meeting Intimation for For Consideration And Approval Of Financial Results For Q3 FY 2025
Technical Indicators
RSI(14)
Neutral 61.54
ATR(14)
Less Volatile 8.36
STOCH(9,6)
Overbought 84.88
STOCH RSI(14)
Overbought 100.00
MACD(12,26)
Bullish 2.27
ADX(14)
Weak Trend 14.39
UO(9)
Bearish 56.76
ROC(12)
Uptrend But Slowing Down 5.56
WillR(14)
Overbought -14.53
About M&M Financial Services
Mahindra & Mahindra Financial Services Limited (MMFSL) is a leading Non-Banking Finance Company in India, primarily serving rural and semi-urban markets. It is part of the Mahindra Group and offers financing for vehicles, housing, personal loans, and SMEs. MMFSL operates through a network of 1,386 offices across 27 States and 7 Union Territories. The company has subsidiaries in insurance broking, rural housing finance, and asset management. MMFSL also has a joint venture in the US for financing Mahindra tractors. The company provides services such as insurance broking and mutual fund distribution. MMFSL has expanded its operations to include leasing and subscription services, digital finance lending for consumer durables and personal loans, and used car financing. The company also operates in Sri Lanka through a joint venture.
Listing Date
17 Mar, 2006(19 Years,
7 days)
Chairperson NameAnish Shah
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