MAS Financial Services

Market Cap

4,385.73 Cr

EPS

15.31

PE Ratio

14.52

Dividend Yield

1.33 %

Industry

Financial Services

52 Week High

387.95

52 Week low

229.40

PB Ratio

1.78

Debt to Equity

4.11

Sector

NBFC

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 from5 analysts

Analysts have suggested that investors can buy this stock

Buy100.00 %

100.00 %

Hold0.0 %

0.0 %

Sell0.0 %

0.0 %

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
Bajaj Finance	8,399.45	5,19,922.99	32.74	54,982.50	32.75	14,451	18.39	67.91
Jio Financial Services	235.27	1,49,470.36	90.49	1,854.70	4,039.96	1,605	0.34	35.98
Cholamandalam Investment	1,395.25	1,17,309.99	28.43	19,419.90	48.18	3,411	24.79	57.86
Shriram Finance	580.85	1,09,216.87	12.91	36,413.00	19.35	7,391	73.39	52.11
Muthoot Finance	2,276.25	91,383.22	18.35	15,162.70	26.62	4,468	21.51	56.74
SBI Cards	849.80	80,845.38	39.90	17,483.50	22.39	2,408	-30.21	67.32
Sundaram Finance	4,723.00	52,474.35	31.76	7,285.50	31.41	1,422	-9.94	58.20
M&M Financial Services	280.50	34,656.61	13.89	15,970.30	24.45	1,943	47.29	49.31
AIIL	1,521.80	25,847.03	6.27	2,611.20	381.77	4,285	-10.31	31.64
Poonawalla Fincorp	290.35	22,587.24	129.86	3,147.30	56.71	1,652	-92.95	35.08

Growth Rate

Revenue Growth

31.06 %

Net Income Growth

23.42 %

Cash Flow Change

4.20 %

ROE

4.88 %

ROCE

6.38 %

EBITDA Margin (Avg.)

-1.88 %

Quarterly Financial Results

Quarterly Financials	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	104	124	125	126	127	143	170	165	169	177	183	178	169	161	150	147	157	166	180	192	205	241	262	280	293	313	337	348	365	386	410
Expenses	25	31	33	34	33	34	36	37	33	47	43	58	43	38	32	31	31	31	37	35	45	56	59	57	66	76	77	83	86	95	106
EBITDA	79	93	92	91	94	110	135	128	136	130	140	120	126	123	118	116	126	135	143	157	160	185	203	223	227	237	261	266	280	291	304
Operating Profit %	76 %	75 %	74 %	73 %	74 %	76 %	79 %	78 %	80 %	73 %	76 %	67 %	74 %	76 %	79 %	79 %	80 %	81 %	79 %	82 %	78 %	77 %	78 %	79 %	77 %	76 %	77 %	76 %	76 %	75 %	74 %
Depreciation	0	0	0	0	0	0	0	0	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	2
Interest	49	52	45	41	45	54	64	63	71	78	73	74	75	76	69	66	75	81	88	95	97	116	133	150	150	154	172	171	181	185	195
Profit Before Tax	30	41	47	50	48	55	70	65	64	51	65	45	50	47	49	50	50	53	55	62	62	68	69	72	77	83	87	94	97	104	108
Tax	13	16	16	18	17	19	24	23	22	10	17	12	13	12	12	14	13	14	14	15	16	17	18	15	19	21	23	24	25	26	28
Net Profit	17	25	31	33	31	36	46	42	42	41	49	34	38	35	36	36	37	40	41	46	46	51	52	57	58	62	64	70	73	78	80
EPS in ₹	3.80	4.49	7.13	5.96	5.73	6.43	8.44	7.61	7.64	7.47	8.88	6.20	6.80	6.38	6.59	6.65	6.70	7.16	7.43	8.33	8.32	9.18	9.39	10.29	10.41	11.19	11.64	4.23	4.32	4.73	3.88

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	2,201	2,900	3,991	4,820	5,430	6,309	8,015	9,547
Fixed Assets	9	58	13	15	12	14	17	25
Current Assets	1,294	95	449	1,134	1,080	936	884	994
Capital Work in Progress	0	0	46	48	50	52	58	70
Investments	0	0	0	5	202	493	791	726
Other Assets	2,192	2,842	3,932	4,752	5,166	5,750	7,149	8,726
Total Liabilities	2,201	2,900	3,991	4,820	5,430	6,309	8,015	9,547
Current Liabilities	1,237	1,573	1,984	1,183	1,060	763	363	303
Non Current Liabilities	621	535	1,072	2,631	3,169	4,173	6,107	7,426
Total Equity	342	792	934	1,006	1,200	1,373	1,545	1,819
Reserve & Surplus	241	723	861	932	1,125	1,295	1,464	1,619
Share Capital	90	55	55	55	55	55	55	164

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	35	-32	-134	3	348	648	-59	-703	-46	-26
Investing Activities	-2	-3	-4	-49	14	4	-199	-820	-304	50
Operating Activities	-267	-281	-164	-386	-468	196	-578	-805	-1,426	-1,366
Financing Activities	303	252	34	438	802	448	719	923	1,684	1,290

Show % Change

Above figures are in Rs. Crores

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	Feb 2024	Mar 2024	Jun 2024	Sept 2024	Dec 2024
Promoter	73.60 %	73.60 %	73.60 %	73.62 %	73.64 %	73.71 %	73.73 %	73.73 %	73.73 %	73.73 %	73.73 %	73.73 %	73.73 %	73.73 %	66.63 %	66.63 %	66.63 %
FIIs	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 %	1.79 %	3.58 %	2.72 %	3.01 %
DIIs	9.97 %	9.86 %	9.64 %	9.55 %	9.14 %	9.07 %	10.09 %	11.04 %	11.01 %	10.58 %	8.57 %	8.43 %	7.06 %	14.41 %	20.41 %	20.23 %	20.02 %
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 %	0.00 %
Public / Retail	5.40 %	5.46 %	5.80 %	5.92 %	6.41 %	6.34 %	5.62 %	4.99 %	4.92 %	5.14 %	6.47 %	6.72 %	7.97 %	7.95 %	7.39 %	8.41 %	7.86 %
Others	11.02 %	11.07 %	10.95 %	10.91 %	10.81 %	10.88 %	10.56 %	10.24 %	10.34 %	10.55 %	11.24 %	11.12 %	11.24 %	2.11 %	1.99 %	2.00 %	2.48 %
No of Share Holders	23,899	23,544	25,843	27,734	30,497	29,681	25,816	25,761	24,767	23,837	28,999	31,514	41,338	44,544	44,743	50,510	51,148