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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - IRFC
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs IRFC - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | IRFC | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ IRFC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 15.9 | 30.9 | 51.3% | View Chart |
| P/BV | x | 1.7 | 4.1 | 41.3% | View Chart |
| Dividend Yield | % | 2.3 | 1.0 | 237.8% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  IRFC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-24 |
IRFC Mar-24 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ IRFC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 346 | 193 | 179.7% | |
| Low | Rs | 232 | 27 | 867.0% | |
| Income per share (Unadj.) | Rs | 128.0 | 20.4 | 627.7% | |
| Earnings per share (Unadj.) | Rs | 15.7 | 4.9 | 319.1% | |
| Cash flow per share (Unadj.) | Rs | 71.0 | 4.9 | 1,452.9% | |
| Dividends per share (Unadj.) | Rs | 6.30 | 1.50 | 420.0% | |
| Avg Dividend yield | % | 2.2 | 1.4 | 159.4% | |
| Book value per share (Unadj.) | Rs | 161.2 | 37.6 | 428.5% | |
| Shares outstanding (eoy) | m | 1,234.39 | 13,068.51 | 9.4% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.3 | 5.4 | 42.0% | |
| Avg P/E ratio | x | 18.5 | 22.4 | 82.6% | |
| Avg P/CF ratio | x | 18.2 | 21.8 | 83.5% | |
| Avg Price/Bookvalue ratio | x | 1.8 | 2.9 | 61.5% | |
| Dividend payout | % | 40.2 | 30.6 | 131.6% | |
| Avg Mkt Cap | Rs m | 356,984 | 1,434,661 | 24.9% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 22,614 | 112 | 20,242.0% | |
| 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 | 266,446 | 59.3% | |
| Other income | Rs m | 1,817 | 153 | 1,190.8% | |
| Interest expense | Rs m | 69,592 | 201,015 | 34.6% | |
| Net interest income | Rs m | 88,377 | 65,431 | 135.1% | |
| Operating expense | Rs m | 62,125 | 1,368 | 4,540.3% | |
| Gross profit | Rs m | 26,252 | 64,063 | 41.0% | |
| Gross profit margin | % | 16.6 | 24.0 | 69.1% | |
| Provisions/contingencies | Rs m | 261 | 1,628 | 16.1% | |
| Profit before tax | Rs m | 25,882 | 64,121 | 40.4% | |
| 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 | 0 | - | |
| Profit after tax | Rs m | 19,327 | 64,121 | 30.1% | |
| Net profit margin | % | 12.2 | 24.1 | 50.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 37,577 | 0 | - | |
| 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 | 112.6 | 55.9% | |
| Net fixed assets | Rs m | 10,080 | 220 | 4,572.1% | |
| Share capital | Rs m | 2,469 | 130,685 | 1.9% | |
| Free reserves | Rs m | 196,559 | 361,101 | 54.4% | |
| Net worth | Rs m | 199,028 | 491,786 | 40.5% | |
| Borrowings | Rs m | 53,682 | 0 | - | |
| Investments | Rs m | 102,915 | 58,125 | 177.1% | |
| Total assets | Rs m | 1,229,140 | 4,850,824 | 25.3% | |
| Debt/equity ratio | x | 0.6 | 0 | - | |
| Return on assets | % | 1.6 | 1.3 | 119.0% | |
| Return on equity | % | 9.7 | 13.0 | 74.5% | |
| Capital adequacy ratio | % | 18.9 | 616.2 | 3.1% | |
| Net NPAs | % | 1.3 | 0 | - | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -184,486 | 79,141 | -233.1% | |
| From Investments | Rs m | 26,703 | -75 | -35,396.1% | |
| From Financial Activity | Rs m | 160,949 | -80,464 | -200.0% | |
| Net Cashflow | Rs m | 3,170 | -1,399 | -226.6% | |
Share Holding
| Indian Promoters | % | 52.2 | 86.4 | 60.4% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 41.8 | 2.2 | 1,924.4% | |
| FIIs | % | 10.2 | 1.1 | 934.9% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 13.6 | 350.7% | |
| Shareholders | 211,051 | 5,500,054 | 3.8% | ||
| 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 IRFC
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 IRFC Share Price Performance
| Period | M&M Financial | IRFC |
|---|---|---|
| 1-Day | -0.18% | 2.33% |
| 1-Month | -0.33% | 7.32% |
| 1-Year | 0.52% | 103.68% |
| 3-Year CAGR | 20.62% | 88.07% |
| 5-Year CAGR | 4.61% | 44.03% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the IRFC share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of IRFC the stake stands at 86.4%.
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 IRFC.
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%.
IRFC paid Rs 1.5, and its dividend payout ratio stood at 30.6%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of IRFC.
For a sector overview, read our finance sector report.
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