Mahindra & Mahindra Financial Services Limited
What stands out?
The strongest observations the engine found, ranked. Every line is generated from the filed numbers by a fixed rule — no opinion, no estimate.
Nothing crossed the threshold for this company yet — see the data-coverage note below.
Who is this company?
Classified by the exchange under Financial Services › Financial Services › Finance › Non Banking Financial Company (NBFC).
- Market cap
- ₹44,479 cr
- FY2026 total income
- ₹18,500 cr
- FY2026 net profit
- —
- Net worth
- —
- Advances
- —
- EPS (basic)
- —
- Listed
- NSE · BSE
- Reporting
- Banking (Sch. III)Apr–Mar
Peer set used on this page: 3 non banking financial company (nbfc).
Is the business growing?
Total income and profit over the loaded history are shown above.
- Advances growth per year
- —over 7 years
- Advances growth
- —vs last year
- Deposits growth
- +24.5%vs last year
- Net profit growth
- —vs last year
What changed recently?
Quarterly results, the trailing-twelve-months snapshot, and verified corporate actions — kept separate from each other and from the annual story above. Every figure traces to a filed number; nothing here is external news or commentary.
Q1 FY27 net profit was ₹927 cr, up 75.3% from ₹529 cr a year earlier.
Rule QTR_PROFIT_GROWTH_YOY
Q1 FY27 net profit grew 75.3% while total income grew 14.2% vs the same quarter last year — a gap of 61.2 percentage points.
Rule QTR_PROFIT_VS_REVENUE_GROWTH
Q1 FY27 EBITDA margin was 64.5%, up 3.65 percentage points from 60.8% a year earlier.
Rule QTR_MARGIN_CHANGED_YOY
A. Quarterly results
| Quarter | Total income | YoY | Net profit | YoY |
|---|---|---|---|---|
| Q2 FY25 | 4,479 | — | 390 | — |
| Q3 FY25 | 4,799 | +16.0% | 918 | +47.3% |
| Q4 FY25 | 4,897 | +13.0% | 456 | −32.0% |
| Q1 FY26 | 5,013 | +15.1% | 529 | +6.4% |
| Q2 FY26 | 5,049 | +12.7% | 566 | +45.1% |
| Q3 FY26 | 5,464 | +13.9% | 826 | −10.0% |
| Q4 FY26 | 5,560 | +13.5% | 940 | +106.2% |
| Q1 FY27 | 5,725 | +14.2% | 927 | +75.3% |
B. TTM snapshot
Trailing twelve months to 30 Jun 2026 · sum of the last 4 contiguous quarters
- Total income
- ₹21,798 crTTM
- PBT
- ₹4,293 crTTM
- Net profit
- ₹3,260 crTTM
C. Corporate actions
Is it becoming more profitable?
The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.
- NIM FY2026
- —
- Cost-to-income
- —
- ROE FY2026
- —
- ROA FY2026
- —
Is financial health improving?
The metrics this section charts aren't mapped for this company's sector yet — see the data-coverage note in section 10.
- Gross NPA FY2026
- —
- Net NPA
- —
- Credit cost
- —of advances
- Credit / deposit
- —
How does it compare with peers?
Ranked against 3 non banking financial company (nbfc) (FY2026, consolidated). No peer-relative rule fired for this company.
P/E ratio
M&MFIN · 1st of 3 · set median 20.8×
- P / E
- 13.6×TTM to Jun 26
- P / B
- —latest book
- P / S
- 2.0×TTM sales
- Earnings yield
- 7.3%TTM to Jun 26
On the trailing twelve months. Last full year: · P/S 2.1×.
How has the stock performed?
Long-term price performance is shown above.
- 1-year return
- +17.1%
- 3-year return
- +6.2%
- 5-year return
- +71.8%
- From 52-wk high
- −22.4%
What does the technical data say?
Price-action indicators as of 2026-10-01. Secondary to the fundamentals above — included for timing context, not as a signal.
- vs 50-day avg
- Below₹371
- vs 200-day avg
- Below₹344
- RSI (14)
- 25.1oversold
- MACD histogram
- -2.9
- From 52-wk high
- −22.4%
- From 52-wk low
- +17.1%
- 30-day volatility
- 22.1%ann.
- 6-month return
- +11.9%
What should I investigate further?
Observations the engine tagged watch or deteriorating — prompts for your own research, not conclusions.
Nothing is flagged for review for this company.
- The price-adjusted series does not correct for 2 rights issues (ex-dates 2020-07-22, 2025-05-14) — BSE's corporate-actions feed does not carry the subscription price or ratio a rights adjustment needs, unlike splits and bonuses, which are corrected. Returns spanning those dates may be modestly overstated or understated.
- Bank-specific metrics (NIM, GNPA/NNPA, CASA, cost-to-income, capital adequacy) are not yet mapped — asset-quality and spread insights are unavailable.
The numbers
The full statements, kept deliberately secondary. Every figure traces to a BSE Integrated Filing (inline XBRL); ratios are recomputed from the normalised facts.
| Metric | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Total income | 8,810 | 10,245 | 105 | 9,719 | 11,056 | 13,562 | 16,075 | 18,500 |
| Interest earned | 8,615 | 9,942 | 103 | 9,476 | 10,683 | 13,109 | 15,331 | 17,212 |
| Total debt | 21,302 | 29,487 | 291 | 26,005 | 41,234 | 54,319 | 69,735 | 74,240 |
| Deposits | 5,667 | 8,812 | 95 | 8,426 | 5,525 | 7,175 | 11,404 | 14,196 |
| Borrowings | 21,302 | 29,487 | 291 | 26,005 | 41,234 | 54,319 | 69,735 | 74,240 |
| Investments | 3,792 | 5,911 | 116 | 8,440 | 9,989 | 9,651 | 10,400 | 6,820 |
| Operating cash flow | — | — | 50 | −0 | −17,485 | −18,404 | −15,281 | −11,206 |
| Ratio | FY19 | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|---|
| Growth | ||||||||
| Advances growth YoY | — | — | — | — | — | — | — | — |
| Deposits growth YoY | — | 55.5 | -98.9 | 8816.0 | -34.4 | 29.9 | 58.9 | 24.5 |
| Profit growth YoY | — | — | — | — | — | — | — | — |
| Profitability | ||||||||
| Net interest margin % | — | — | — | — | — | — | — | — |
| Cost-to-income % | — | — | — | — | — | — | — | — |
| Return on equity % | — | — | — | — | — | — | — | — |
| Return on assets % | — | — | — | — | — | — | — | — |
| Asset quality | ||||||||
| Gross NPA % | — | — | — | — | — | — | — | — |
| Net NPA % | — | — | — | — | — | — | — | — |
| Credit cost % | — | — | — | — | — | — | — | — |
| Credit / deposit % | — | — | — | — | — | — | — | — |