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- REC - MAHINDRA & MAHINDRA FINANCIAL SERVICES
REC vs MAHINDRA & MAHINDRA FINANCIAL SERVICES - Comparison Results
Current Valuations
| REC | MAHINDRA & MAHINDRA FINANCIAL SERVICES | REC/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 9.0 | 15.4 | 58.3% | View Chart |
| P/BV | x | 1.9 | 1.6 | 117.5% | View Chart |
| Dividend Yield | % | 3.2 | 2.4 | 132.2% |
Financials
 REC  MAHINDRA & MAHINDRA FINANCIAL SERVICES |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| REC Mar-24 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-24 |
REC/ MAHINDRA & MAHINDRA FINANCIAL SERVICES |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 524 | 346 | 151.3% | |
| Low | Rs | 116 | 232 | 49.8% | |
| Income per share (Unadj.) | Rs | 180.4 | 128.0 | 141.0% | |
| Earnings per share (Unadj.) | Rs | 53.7 | 15.7 | 343.1% | |
| Cash flow per share (Unadj.) | Rs | 70.7 | 71.0 | 99.6% | |
| Dividends per share (Unadj.) | Rs | 16.00 | 6.30 | 254.0% | |
| Avg Dividend yield | % | 5.0 | 2.2 | 229.7% | |
| Book value per share (Unadj.) | Rs | 263.4 | 161.2 | 163.3% | |
| Shares outstanding (eoy) | m | 2,633.22 | 1,234.39 | 213.3% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 1.8 | 2.3 | 78.4% | |
| Avg P/E ratio | x | 6.0 | 18.5 | 32.2% | |
| Avg P/CF ratio | x | 5.8 | 18.2 | 31.9% | |
| Avg Price/Bookvalue ratio | x | 1.2 | 1.8 | 67.7% | |
| Dividend payout | % | 29.8 | 40.2 | 74.0% | |
| Avg Mkt Cap | Rs m | 841,973 | 356,984 | 235.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 2,380 | 22,614 | 10.5% | |
| 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 | 475,048 | 157,969 | 300.7% | |
| Other income | Rs m | 14,461 | 1,817 | 795.7% | |
| Interest expense | Rs m | 299,647 | 69,592 | 430.6% | |
| Net interest income | Rs m | 175,400 | 88,377 | 198.5% | |
| Operating expense | Rs m | 10,022 | 62,125 | 16.1% | |
| Gross profit | Rs m | 165,379 | 26,252 | 630.0% | |
| Gross profit margin | % | 34.8 | 16.6 | 209.5% | |
| Provisions/contingencies | Rs m | 3,321 | 261 | 1,270.8% | |
| Profit before tax | Rs m | 179,599 | 25,882 | 693.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -104 | -0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 38,145 | 6,451 | 591.3% | |
| Profit after tax | Rs m | 141,455 | 19,327 | 731.9% | |
| Net profit margin | % | 29.8 | 12.2 | 243.4% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 4,991,921 | 37,577 | 13,284.6% | |
| Deposits | Rs m | 0 | 71,747 | 0.0% | |
| Credit/Deposit ratio | x | 0 | 52.4 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 6.8 | - | |
| Net Interest Margin | % | 3.3 | 62.9 | 5.3% | |
| Net fixed assets | Rs m | 6,315 | 10,080 | 62.7% | |
| Share capital | Rs m | 31,916 | 2,469 | 1,292.8% | |
| Free reserves | Rs m | 661,586 | 196,559 | 336.6% | |
| Net worth | Rs m | 693,503 | 199,028 | 348.4% | |
| Borrowings | Rs m | 363,018 | 53,682 | 676.2% | |
| Investments | Rs m | 300,845 | 102,915 | 292.3% | |
| Total assets | Rs m | 5,489,085 | 1,229,140 | 446.6% | |
| Debt/equity ratio | x | 0.5 | 0.6 | 83.1% | |
| Return on assets | % | 2.6 | 1.6 | 163.9% | |
| Return on equity | % | 20.4 | 9.7 | 210.0% | |
| Capital adequacy ratio | % | 25.8 | 18.9 | 136.9% | |
| Net NPAs | % | 0.9 | 1.3 | 68.8% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -577,226 | -184,486 | 312.9% | |
| From Investments | Rs m | -18,310 | 26,703 | -68.6% | |
| From Financial Activity | Rs m | 595,878 | 160,949 | 370.2% | |
| Net Cashflow | Rs m | 342 | 3,170 | 10.8% | |
Share Holding
| Indian Promoters | % | 52.6 | 52.2 | 100.9% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 35.5 | 41.8 | 85.1% | |
| FIIs | % | 21.2 | 10.2 | 208.2% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.4 | 47.8 | 99.0% | |
| Shareholders | 1,040,888 | 211,051 | 493.2% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare REC With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on REC vs M&M Financial
No comparison is complete without understanding how the stock prices have performed over a period of time.
Here's a brief comparison:
REC vs M&M Financial Share Price Performance
| Period | REC | M&M Financial |
|---|---|---|
| 1-Day | 3.09% | 2.81% |
| 1-Month | -0.37% | -6.39% |
| 1-Year | 50.10% | -4.02% |
| 3-Year CAGR | 71.65% | 15.74% |
| 5-Year CAGR | 37.04% | 5.34% |
* Compound Annual Growth Rate
Here are more details on the REC share price and the M&M Financial share price.
Moving on to shareholding structures...
The promoters of REC hold a 52.6% stake in the company. In case of M&M Financial the stake stands at 52.2%.
To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of REC and the shareholding pattern of M&M Financial.
Finally, a word on dividends...
In the most recent financial year, REC paid a dividend of Rs 16.0 per share. This amounted to a Dividend Payout ratio of 29.8%.
M&M Financial paid Rs 6.3, and its dividend payout ratio stood at 40.2%.
You may visit here to review the dividend history of REC, and the dividend history of M&M Financial.
For a sector overview, read our finance sector report.
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