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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - AAVAS FINANCIERS
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs AAVAS FINANCIERS - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | AAVAS FINANCIERS | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ AAVAS FINANCIERS |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 15.9 | 24.8 | 64.0% | View Chart |
| P/BV | x | 1.7 | 3.6 | 47.5% | View Chart |
| Dividend Yield | % | 2.3 | 0.0 | - |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  AAVAS FINANCIERS |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-24 |
AAVAS FINANCIERS Mar-24 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ AAVAS FINANCIERS |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 346 | 1,832 | 18.9% | |
| Low | Rs | 232 | 1,307 | 17.7% | |
| Income per share (Unadj.) | Rs | 128.0 | 255.0 | 50.2% | |
| Earnings per share (Unadj.) | Rs | 15.7 | 62.0 | 25.3% | |
| Cash flow per share (Unadj.) | Rs | 71.0 | 146.3 | 48.5% | |
| Dividends per share (Unadj.) | Rs | 6.30 | 0 | - | |
| Avg Dividend yield | % | 2.2 | 0 | - | |
| Book value per share (Unadj.) | Rs | 161.2 | 470.3 | 34.3% | |
| Shares outstanding (eoy) | m | 1,234.39 | 79.14 | 1,559.8% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.3 | 6.2 | 36.7% | |
| Avg P/E ratio | x | 18.5 | 25.3 | 73.0% | |
| Avg P/CF ratio | x | 18.2 | 25.3 | 72.0% | |
| Avg Price/Bookvalue ratio | x | 1.8 | 3.3 | 53.7% | |
| Dividend payout | % | 40.2 | 0 | - | |
| Avg Mkt Cap | Rs m | 356,984 | 124,208 | 287.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 22,614 | 3,559 | 635.4% | |
| 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 | 20,179 | 782.8% | |
| Other income | Rs m | 1,817 | 31 | 5,954.5% | |
| Interest expense | Rs m | 69,592 | 8,302 | 838.3% | |
| Net interest income | Rs m | 88,377 | 11,877 | 744.1% | |
| Operating expense | Rs m | 62,125 | 5,327 | 1,166.1% | |
| Gross profit | Rs m | 26,252 | 6,550 | 400.8% | |
| Gross profit margin | % | 16.6 | 32.5 | 51.2% | |
| Provisions/contingencies | Rs m | 261 | 0 | - | |
| Profit before tax | Rs m | 25,882 | 6,254 | 413.9% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | -104 | 0 | - | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 6,451 | 1,347 | 479.0% | |
| Profit after tax | Rs m | 19,327 | 4,907 | 393.9% | |
| Net profit margin | % | 12.2 | 24.3 | 50.3% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 37,577 | 140,044 | 26.8% | |
| Deposits | Rs m | 71,747 | 0 | - | |
| Credit/Deposit ratio | x | 52.4 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 6.8 | 0 | - | |
| Net Interest Margin | % | 62.9 | 8.4 | 751.6% | |
| Net fixed assets | Rs m | 10,080 | 1,160 | 869.0% | |
| Share capital | Rs m | 2,469 | 791 | 312.0% | |
| Free reserves | Rs m | 196,559 | 36,426 | 539.6% | |
| Net worth | Rs m | 199,028 | 37,218 | 534.8% | |
| Borrowings | Rs m | 53,682 | 35,661 | 150.5% | |
| Investments | Rs m | 102,915 | 1,874 | 5,490.4% | |
| Total assets | Rs m | 1,229,140 | 165,195 | 744.1% | |
| Debt/equity ratio | x | 0.6 | 1.0 | 65.8% | |
| Return on assets | % | 1.6 | 3.0 | 52.9% | |
| Return on equity | % | 9.7 | 13.2 | 73.7% | |
| Capital adequacy ratio | % | 18.9 | 44.0 | 42.9% | |
| Net NPAs | % | 1.3 | 0.7 | 191.0% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -184,486 | -19,866 | 928.7% | |
| From Investments | Rs m | 26,703 | -6,468 | -412.8% | |
| From Financial Activity | Rs m | 160,949 | 24,773 | 649.7% | |
| Net Cashflow | Rs m | 3,170 | -1,571 | -201.8% | |
Share Holding
| Indian Promoters | % | 52.2 | 0.0 | - | |
| Foreign collaborators | % | 0.0 | 26.5 | - | |
| Indian inst/Mut Fund | % | 41.8 | 61.0 | 68.4% | |
| FIIs | % | 10.2 | 35.5 | 28.7% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 73.5 | 65.1% | |
| Shareholders | 211,051 | 144,452 | 146.1% | ||
| Pledged promoter(s) holding | % | 0.0 | 0.0 | - |
Compare MAHINDRA & MAHINDRA FINANCIAL SERVICES With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT SBI CARDS CHOLAMANDALAM INVEST TATA INVESTMENT
More on M&M Financial vs AAVAS FINANCIERS
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 AAVAS FINANCIERS Share Price Performance
| Period | M&M Financial | AAVAS FINANCIERS |
|---|---|---|
| 1-Day | -0.18% | -0.01% |
| 1-Month | -0.33% | 1.42% |
| 1-Year | 0.52% | 15.53% |
| 3-Year CAGR | 20.62% | -16.35% |
| 5-Year CAGR | 4.61% | -1.37% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the AAVAS FINANCIERS share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of AAVAS FINANCIERS the stake stands at 26.5%.
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 AAVAS FINANCIERS.
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%.
AAVAS FINANCIERS paid Rs 0.0, and its dividend payout ratio stood at 0.0%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of AAVAS FINANCIERS.
For a sector overview, read our finance sector report.
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