Mahindra & Mahindra Financial Services Ltd.
NSE: M&MFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Mahindra & Mahindra Financial Services Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Mahindra & Mahindra Financial Services Limited is a prominent non-banking financial company focusing on asset finance within rural and semi-urban India. The company provides a diverse portfolio including vehicle financing, SME loans, housing finance, and investment distribution services.
Business Model
The company generates revenue primarily through interest income on vehicle and equipment loans, alongside fee-based income from insurance distribution and advisory services. It leverages its deep penetration in rural markets to serve underbanked segments including farmers and small business owners.
Growth Outlook
Growth is driven by the expansion of the rural economy, increased demand for commercial and utility vehicles, and the diversification of the loan book into SME and housing finance segments.
Key Risks
- Credit Risk. High exposure to rural and semi-urban borrowers makes the loan portfolio sensitive to agricultural cycles and monsoon performance.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing from capital markets.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Asset Quality Risk. Economic downturns or localized disruptions can lead to higher non-performing assets within the retail and SME lending segments.
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Key Metrics
REVENUE
₹21,733 Cr
TTM · consolidated
NET PROFIT
₹3,260 Cr
TTM · consolidated
EPS
₹23.40
TTM · consolidated
RETURN ON EQUITY
13.5%
TTM · consolidated
P/E
16.0x
Q1 FY27 · consolidated
NET PROFIT MARGIN
16.2%
Q1 FY27 · consolidated
DEBT TO EQUITY
5.0%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Mahindra & Mahindra Financial Services Ltd.M&MFIN | ₹51,936 Cr | 15.97 | — | 13.6% | — | 13.5% | — | +42.1% |
SBI Cards and Payment Services Ltd.SBICARD | ₹62,640 Cr | 27.54 | — | 7.9% | — | 15.4% | — | -17.0% |
HDB Financial ServicesHDBFS | ₹56,688 Cr | 20.52 | — | — | — | 13.4% | — | -11.7% |
Sundaram Finance Ltd.SUNDARMFIN | ₹51,649 Cr | 23.08 | — | 13.7% | — | 15.8% | — | +3.4% |
Authum Investment & Infrastructure Ltd.AIIL | ₹44,151 Cr | 7.58 | — | -34.5% | — | 14.2% | — | -83.2% |
Poonawalla Fincorp Ltd.POONAWALLA | ₹41,246 Cr | 49.26 | — | 72.6% | — | 8.5% | — | +8.2% |
As of Q1 FY27
Financials
Mahindra & Mahindra Financial Services Ltd.
NSE: M&MFIN · Non Banking Financial Company (NBFC)
Snapshot
Unlock Mahindra & Mahindra Financial Services Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Mahindra & Mahindra Financial Services Limited is a prominent non-banking financial company focusing on asset finance within rural and semi-urban India. The company provides a diverse portfolio including vehicle financing, SME loans, housing finance, and investment distribution services.
Business Model
The company generates revenue primarily through interest income on vehicle and equipment loans, alongside fee-based income from insurance distribution and advisory services. It leverages its deep penetration in rural markets to serve underbanked segments including farmers and small business owners.
Growth Outlook
Growth is driven by the expansion of the rural economy, increased demand for commercial and utility vehicles, and the diversification of the loan book into SME and housing finance segments.
Key Risks
- Credit Risk. High exposure to rural and semi-urban borrowers makes the loan portfolio sensitive to agricultural cycles and monsoon performance.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the cost of borrowing from capital markets.
- Regulatory Risk. As an NBFC, the company is subject to evolving regulatory frameworks and compliance requirements set by the Reserve Bank of India.
- Asset Quality Risk. Economic downturns or localized disruptions can lead to higher non-performing assets within the retail and SME lending segments.
Start your research today
Unlock AI insights, financials, peers and live data on Mahindra & Mahindra Financial Services Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹21,733 Cr
TTM · consolidated
NET PROFIT
₹3,260 Cr
TTM · consolidated
EPS
₹23.40
TTM · consolidated
RETURN ON EQUITY
13.5%
TTM · consolidated
P/E
16.0x
Q1 FY27 · consolidated
NET PROFIT MARGIN
16.2%
Q1 FY27 · consolidated
DEBT TO EQUITY
5.0%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27