Mahindra and Mahindra Financial Services Ltd
Ticker: M&MFIN
Decent
66/100
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Investing Reference
Price
293.85
Market Cap
40825.57
Debt/Equity
5.5205
ROE %
10.888
PB
1.8924
Promoter %
52.489
Pledge %
0.000
1Y Rev Growth %
16.031
5Y Rev Growth %
9.079
NP Margin %
12.163
NP Margin 5Y Avg %
11.290
Trading Reference
1M Return %
5.738
6M Return %
12.668
1Y Return %
5.449
% Away 52W High
0.726
% Away 52W Low
26.920
Daily Volume
3274122
Investment Verdict
Hold
Score 70/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Watch
Score 62/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
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Business Overview
Mahindra and Mahindra Financial Services Ltd is a leading non-banking financial company in India, dedicated to providing a wide range of financial solutions tailored for rural and semi-urban markets. With a strong focus on empowering farmers and small businesses, the company plays a crucial role in driving economic growth in these sectors. Its commitment to customer-centric services and innovative products makes it a trusted partner for financial needs.
- Leading non-banking financial company in India
- Focus on rural and semi-urban markets
- Empowers farmers and small businesses
- Customer-centric financial solutions
- Strong backing from the Mahindra Group
Investment Thesis
Mahindra and Mahindra Financial Services Ltd stands out due to its strong promoter backing and credibility, positioning it as a reliable investment. The company's focus on digital services offers significant growth potential, while its attractive valuation compared to peers makes it an appealing choice for investors seeking value in the financial sector.
- Strong backing from the Mahindra Group enhances credibility and trust.
- Robust growth potential in digital services catering to evolving customer needs.
- Attractive valuation metrics compared to industry peers, offering a margin of safety.
- Diverse product offerings mitigate risks and enhance revenue streams.
- Strong historical performance and commitment to sustainable growth.
Opportunity vs Risk
Opportunities
- Strong rural demand for vehicles
- Expansion in digital financing
- Diversification into new sectors
- Government support for agriculture
- Rising disposable income in rural areas
Risks ⚠️
- High competition in finance sector
- Economic slowdown impacting loans
- Regulatory changes affecting operations
- Rising interest rates
- Potential asset quality deterioration
Peer Perspective
Mahindra and Mahindra Financial Services Ltd trades at a discount to peers like HDFC Ltd and Bajaj Finance, necessitating stable margins and accelerated growth for potential rerating in the competitive NBFC landscape.
Future Outlook
Mahindra and Mahindra Financial Services is well-positioned for growth, driven by strong demand in rural financing. However, successful execution and effective cost control will be crucial to fully capitalize on these opportunities.
📊 Stock Investment Checklist (100 Points)
Mahindra and Mahindra Financial Services Ltd • Updated: 2025-09-17 14:37:14
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10BusinessHighThe sector is evolving with digital finance but faces competition.
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10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are moderate; cash flow is stable but not exceptional.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is decent, but there are concerns about pledging.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 66 / 100
• Decent
The company shows potential for growth but faces challenges in profitability and valuation. Investors should be cautious.
AI Confidence Score
Instead of just “overall score,” broken into categories: