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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - HDFC
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs HDFC - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | HDFC | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ HDFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 15.8 | 30.6 | 51.7% | View Chart |
| P/BV | x | 1.7 | 2.5 | 66.6% | View Chart |
| Dividend Yield | % | 2.3 | 1.6 | 144.1% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  HDFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-24 |
HDFC Mar-23 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ HDFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 346 | 2,855 | 12.1% | |
| Low | Rs | 232 | 2,027 | 11.4% | |
| Income per share (Unadj.) | Rs | 128.0 | 833.7 | 15.4% | |
| Earnings per share (Unadj.) | Rs | 15.7 | 142.6 | 11.0% | |
| Cash flow per share (Unadj.) | Rs | 71.0 | 692.5 | 10.3% | |
| Dividends per share (Unadj.) | Rs | 6.30 | 44.00 | 14.3% | |
| Avg Dividend yield | % | 2.2 | 1.8 | 120.9% | |
| Book value per share (Unadj.) | Rs | 161.2 | 1,090.0 | 14.8% | |
| Shares outstanding (eoy) | m | 1,234.39 | 1,834.56 | 67.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.3 | 2.9 | 77.2% | |
| Avg P/E ratio | x | 18.5 | 17.1 | 107.9% | |
| Avg P/CF ratio | x | 18.2 | 17.1 | 106.7% | |
| Avg Price/Bookvalue ratio | x | 1.8 | 2.2 | 80.1% | |
| Dividend payout | % | 40.2 | 30.9 | 130.4% | |
| Avg Mkt Cap | Rs m | 356,984 | 4,478,060 | 8.0% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 22,614 | 21,600 | 104.7% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 157,969 | 1,529,403 | 10.3% | |
| Other income | Rs m | 1,817 | 21,598 | 8.4% | |
| Interest expense | Rs m | 69,592 | 370,286 | 18.8% | |
| Net interest income | Rs m | 88,377 | 1,159,117 | 7.6% | |
| Operating expense | Rs m | 62,125 | 965,098 | 6.4% | |
| Gross profit | Rs m | 26,252 | 194,018 | 13.5% | |
| Gross profit margin | % | 16.6 | 12.7 | 131.0% | |
| Provisions/contingencies | Rs m | 261 | 607 | 43.0% | |
| Profit before tax | Rs m | 25,882 | 321,306 | 8.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -104 | -15,389 | 0.7% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 6,451 | 44,308 | 14.6% | |
| Profit after tax | Rs m | 19,327 | 261,609 | 7.4% | |
| Net profit margin | % | 12.2 | 17.1 | 71.5% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 37,577 | 6,245,515 | 0.6% | |
| Deposits | Rs m | 71,747 | 1,109,979 | 6.5% | |
| Credit/Deposit ratio | x | 52.4 | 562.7 | 9.3% | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 6.8 | 9.4 | 73.1% | |
| Net Interest Margin | % | 62.9 | 11.1 | 565.4% | |
| Net fixed assets | Rs m | 10,080 | 98,012 | 10.3% | |
| Share capital | Rs m | 2,469 | 3,669 | 67.3% | |
| Free reserves | Rs m | 196,559 | 1,996,058 | 9.8% | |
| Net worth | Rs m | 199,028 | 1,999,727 | 10.0% | |
| Borrowings | Rs m | 53,682 | 876,846 | 6.1% | |
| Investments | Rs m | 102,915 | 4,173,582 | 2.5% | |
| Total assets | Rs m | 1,229,140 | 10,897,807 | 11.3% | |
| Debt/equity ratio | x | 0.6 | 1.0 | 63.4% | |
| Return on assets | % | 1.6 | 2.4 | 65.5% | |
| Return on equity | % | 9.7 | 13.1 | 74.2% | |
| Capital adequacy ratio | % | 18.9 | 0 | - | |
| Net NPAs | % | 1.3 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -184,486 | -473,285 | 39.0% | |
| From Investments | Rs m | 26,703 | -215,235 | -12.4% | |
| From Financial Activity | Rs m | 160,949 | 693,206 | 23.2% | |
| Net Cashflow | Rs m | 3,170 | 4,687 | 67.6% | |
Share Holding
| Indian Promoters | % | 52.2 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 41.8 | 87.9 | 47.5% | |
| FIIs | % | 10.2 | 63.6 | 16.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 100.0 | 47.8% | |
| Shareholders | 211,051 | 720,777 | 29.3% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT SBI CARDS CHOLAMANDALAM INVEST AAVAS FINANCIERS
More on M&M Financial vs HDFC
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
M&M Financial vs HDFC Share Price Performance
| Period | M&M Financial | HDFC |
|---|---|---|
| 1-Day | -0.44% | -0.62% |
| 1-Month | -0.59% | 3.39% |
| 1-Year | 0.26% | 22.62% |
| 3-Year CAGR | 20.51% | 13.92% |
| 5-Year CAGR | 4.56% | 6.83% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the HDFC share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of HDFC the stake stands at 0.0%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of M&M Financial and the shareholding pattern of HDFC.
Finally, a word on dividends...
In the most recent financial year, M&M Financial paid a dividend of Rs 6.3 per share. This amounted to a Dividend Payout ratio of 40.2%.
HDFC paid Rs 44.0, and its dividend payout ratio stood at 30.9%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of HDFC.
For a sector overview, read our finance sector report.
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