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- MAHINDRA & MAHINDRA FINANCIAL SERVICES - REC
MAHINDRA & MAHINDRA FINANCIAL SERVICES vs REC - Comparison Results
Current Valuations
| MAHINDRA & MAHINDRA FINANCIAL SERVICES | REC | MAHINDRA & MAHINDRA FINANCIAL SERVICES/ REC |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 15.9 | 9.4 | 169.3% | View Chart |
| P/BV | x | 1.7 | 2.0 | 84.0% | View Chart |
| Dividend Yield | % | 2.3 | 3.0 | 76.7% |
Financials
 MAHINDRA & MAHINDRA FINANCIAL SERVICES  REC |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| MAHINDRA & MAHINDRA FINANCIAL SERVICES Mar-24 |
REC Mar-24 |
MAHINDRA & MAHINDRA FINANCIAL SERVICES/ REC |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 346 | 524 | 66.1% | |
| Low | Rs | 232 | 116 | 200.9% | |
| Income per share (Unadj.) | Rs | 128.0 | 180.4 | 70.9% | |
| Earnings per share (Unadj.) | Rs | 15.7 | 53.7 | 29.1% | |
| Cash flow per share (Unadj.) | Rs | 71.0 | 70.7 | 100.4% | |
| Dividends per share (Unadj.) | Rs | 6.30 | 16.00 | 39.4% | |
| Avg Dividend yield | % | 2.2 | 5.0 | 43.5% | |
| Book value per share (Unadj.) | Rs | 161.2 | 263.4 | 61.2% | |
| Shares outstanding (eoy) | m | 1,234.39 | 2,633.22 | 46.9% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 2.3 | 1.8 | 127.5% | |
| Avg P/E ratio | x | 18.5 | 6.0 | 310.3% | |
| Avg P/CF ratio | x | 18.2 | 5.8 | 313.4% | |
| Avg Price/Bookvalue ratio | x | 1.8 | 1.2 | 147.7% | |
| Dividend payout | % | 40.2 | 29.8 | 135.1% | |
| Avg Mkt Cap | Rs m | 356,984 | 841,973 | 42.4% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 22,614 | 2,380 | 950.1% | |
| 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 | 475,048 | 33.3% | |
| Other income | Rs m | 1,817 | 14,461 | 12.6% | |
| Interest expense | Rs m | 69,592 | 299,647 | 23.2% | |
| Net interest income | Rs m | 88,377 | 175,400 | 50.4% | |
| Operating expense | Rs m | 62,125 | 10,022 | 619.9% | |
| Gross profit | Rs m | 26,252 | 165,379 | 15.9% | |
| Gross profit margin | % | 16.6 | 34.8 | 47.7% | |
| Provisions/contingencies | Rs m | 261 | 3,321 | 7.9% | |
| Profit before tax | Rs m | 25,882 | 179,599 | 14.4% | |
| 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 | 38,145 | 16.9% | |
| Profit after tax | Rs m | 19,327 | 141,455 | 13.7% | |
| Net profit margin | % | 12.2 | 29.8 | 41.1% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 37,577 | 4,991,921 | 0.8% | |
| 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 | 3.3 | 1,898.2% | |
| Net fixed assets | Rs m | 10,080 | 6,315 | 159.6% | |
| Share capital | Rs m | 2,469 | 31,916 | 7.7% | |
| Free reserves | Rs m | 196,559 | 661,586 | 29.7% | |
| Net worth | Rs m | 199,028 | 693,503 | 28.7% | |
| Borrowings | Rs m | 53,682 | 363,018 | 14.8% | |
| Investments | Rs m | 102,915 | 300,845 | 34.2% | |
| Total assets | Rs m | 1,229,140 | 5,489,085 | 22.4% | |
| Debt/equity ratio | x | 0.6 | 0.5 | 120.4% | |
| Return on assets | % | 1.6 | 2.6 | 61.0% | |
| Return on equity | % | 9.7 | 20.4 | 47.6% | |
| Capital adequacy ratio | % | 18.9 | 25.8 | 73.0% | |
| Net NPAs | % | 1.3 | 0.9 | 145.5% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -184,486 | -577,226 | 32.0% | |
| From Investments | Rs m | 26,703 | -18,310 | -145.8% | |
| From Financial Activity | Rs m | 160,949 | 595,878 | 27.0% | |
| Net Cashflow | Rs m | 3,170 | 342 | 926.7% | |
Share Holding
| Indian Promoters | % | 52.2 | 52.6 | 99.1% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 41.8 | 35.5 | 117.5% | |
| FIIs | % | 10.2 | 21.2 | 48.0% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.8 | 47.4 | 101.0% | |
| Shareholders | 211,051 | 1,040,888 | 20.3% | ||
| 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 REC
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 REC Share Price Performance
| Period | M&M Financial | REC |
|---|---|---|
| 1-Day | -0.18% | 0.59% |
| 1-Month | -0.33% | 1.23% |
| 1-Year | 0.52% | 56.10% |
| 3-Year CAGR | 20.62% | 76.20% |
| 5-Year CAGR | 4.61% | 38.51% |
* Compound Annual Growth Rate
Here are more details on the M&M Financial share price and the REC share price.
Moving on to shareholding structures...
The promoters of M&M Financial hold a 52.2% stake in the company. In case of REC the stake stands at 52.6%.
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 REC.
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%.
REC paid Rs 16.0, and its dividend payout ratio stood at 29.8%.
You may visit here to review the dividend history of M&M Financial, and the dividend history of REC.
For a sector overview, read our finance sector report.
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