M%26MFIN
Mahindra Finance
Finance · NSE
Valuation Gauge
Current Price
—
Fair Value
₹178
Fair Value Analysis
₹178
Based on balance sheet strength analysis and book value multiple for Finance sector companies | CAUTION: ROCE declining (latest 2.3%) — returns on capital are falling; verify this isn't a value trap. | COVID-resilient: PAT dropped from ₹1867Cr (FY2019) to ₹780Cr (FY2021) during COVID but has fully recovered.
Balance Sheet Value
39% weight
P/B Multiple
62% weight
Price vs Market
Shareholding Pattern
Stock Health Score
Solid Fundamentals
Profitability
ROE of 11.9% is acceptable for Finance sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 4.3x is manageable for Finance sector (norm: 4.0x)
Valuation vs Peers
P/E of 15.4x trades at a 76% discount to Finance sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-13,188 Cr — concerning for Finance sector
Earnings Growth
5yr EPS CAGR of 11.3% is well below Finance sector average of 23.9%
Dividend
Dividend yield of 2.3% provides strong shareholder returns (benchmark: 1.5%)
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
Revenue Growth (YoY)
+13.4%
Year-on-year revenue change
Profit Growth (YoY)
+106.1%
Year-on-year PAT change
Operating Cash Flow
₹-12.8K Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹20.5
P/E Ratio
15.4x
P/B Ratio
1.7x
ROE
11.9%
ROCE
—
Debt / Equity
4.28x
Beta
0.45
Div Yield
2.3%
FCF (Cr)
₹-13,188 Cr
Revenue (Cr)
₹10,836 Cr
EPS Growth 5Y
11.3%
Mkt Cap (Cr)
₹44,556 Cr
52W High
₹412.2
52W Low
₹246.4
Book Value/Share
₹191.3
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2026-03-31 | ₹21.0K Cr | ₹4.2K Cr | 20.0% | ₹2.9K Cr | ₹20.54 |
| 2025-03-31 | ₹18.5K Cr | ₹3.3K Cr | 18.0% | ₹2.3K Cr | ₹16.27 |
| 2024-03-31 | ₹16.0K Cr | ₹2.8K Cr | 18.0% | ₹1.9K Cr | ₹13.90 |
| 2023-03-31 | ₹12.8K Cr | ₹3.0K Cr | 24.0% | ₹2.1K Cr | ₹14.91 |
| 2022-03-31 | ₹11.4K Cr | ₹1.7K Cr | 14.0% | ₹1.1K Cr | ₹8.18 |
| 2021-03-31 | ₹12.4K Cr | ₹1.0K Cr | 8.0% | ₹780 Cr | ₹5.56 |
| 2020-03-31 | ₹12.0K Cr | ₹1.7K Cr | 14.0% | ₹1.1K Cr | ₹7.73 |
| 2019-03-31 | ₹10.4K Cr | ₹2.9K Cr | 28.0% | ₹1.9K Cr | ₹13.15 |
| 2018-03-31 | ₹7.9K Cr | ₹1.9K Cr | 24.0% | ₹1.2K Cr | ₹8.53 |
| 2017-03-31 | ₹7.2K Cr | ₹880 Cr | 12.0% | ₹530 Cr | ₹4.00 |
| 2016-03-31 | ₹6.6K Cr | ₹1.3K Cr | 19.0% | ₹787 Cr | ₹6.03 |
| 2015-03-31 | ₹6.1K Cr | ₹1.4K Cr | 24.0% | ₹925 Cr | ₹7.13 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Finance| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
SIL Investments Limited | ₹436.9 | ₹1,876.1 | +76.7% | 10.8 | 1.3% | FAIRLY_VALUED |
N. B. I. Industrial Finance Company Limited | ₹1,900 | ₹8,108.1 | +76.6% | 37.6 | 0.5% | FAIRLY_VALUED |
BF Investment Limited | ₹390 | ₹1,536.3 | +74.6% | 9.3 | 1.2% | FAIRLY_VALUED |
Nalwa Sons Investments Limited | ₹5,576.5 | ₹21,591.5 | +74.2% | 126.6 | 0.1% | FAIRLY_VALUED |
CP Capital Limited | ₹93.7 | ₹335.3 | +72.0% | 4.2 | 6.3% | FAIRLY_VALUED |
VLS Finance Limited | ₹231.3 | ₹820.3 | +71.8% | 14.2 | 5.8% | FAIRLY_VALUED |
Sammaan Capital Limited | ₹162 | ₹567.9 | +71.5% | 7.8 | 5.7% | FAIRLY_VALUED |
Kalyani Investment Company Limited | ₹4,935 | ₹14,921.9 | +66.9% | 48.8 | 0.5% | FAIRLY_VALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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