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Mahindra & Mahindra Financial Services Ltd. a non-banking financial company, provides asset finance in the rural and semi-urban areas in India. The company is headquartered in Mumbai, Maharashtra and currently employs 26,329 full-time employees. The company went IPO on 2006-03-17. The firm is engaged in providing asset finance through its branch network. Its segments include Financing activities and Other reconciling items. The Financing activities segment is engaged in Financing and leasing of automobiles, tractors, commercial vehicles, small and medium enterprise, and housing finance. The Other reconciling items segment is engaged in insurance broking, asset management services and trusteeship services. The company is involved in financing new pre-owned auto and utility vehicles, tractors, passenger cars and commercial vehicles. The firm also provide housing finance, personal loans, financing to small and medium enterprises, insurance broking and mutual fund distribution services. Its offerings also include wholesale inventory financing to dealers and retail-financing to customers in the United States. Its customers include transport operators, farmers, and self-employed.
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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹18,428 Cr on total income of ₹18,509 Cr.
Cost-to-income ratio at 22.0%. Provision coverage at 0.0% of income.
“our objective is to get to 2% ROA...our intention is to hit the 15% ROE also”
“Company target is to first get to 2% ROA and then climb up, working on multiple levers: loan income, fee income, COF, OpEx, credit cost”
“our business model can absorb credit cost between 1.5 to 1.7. Nine months this year at 1.8, confident operating within that ZIP code”
| KPI | Company | Sector Median |
|---|---|---|
| ROE | 10.7%▲ | 2.8% |
| ROCE | 8.9%▲ | 4.2% |
| Net Margin | 15.5%▲ | 11.9% |
| EBITDA Margin | 62.0%▲ | 29.0% |
| Debt To Equity | 4.82x▲ | 0.09x |
| Rev Growth 3yr | 18.0%▲ | 12.2% |
| EPS Growth 3yr | 11.3%▼ | 12.6% |
| Cost To Income | 22.0%▼ | 36.9% |
| Credit Deposit Ratio | 0.00x | - |
Historical valuation data not available.
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹21,005 Cr +13.8% | ₹18,463 Cr +16.9% | ₹15,797 Cr +24.4% | ₹12,700 Cr +12.2% | ₹11,318 Cr -6.1% | ₹12,050 Cr +1.4% | ₹11,883 Cr +14.6% | ₹10,372 Cr | |
| ₹81 Cr +20.8% | ₹67 Cr -61.2% | ₹173 Cr +30.6% | ₹133 Cr +60.2% | ₹83 Cr -31.0% | ₹120 Cr +5.9% | ₹114 Cr +91.9% | ₹59 Cr | |
| Total Income | ₹21,087 Cr +13.8% | ₹18,530 Cr +16.0% | ₹15,970 Cr +24.5% | ₹12,832 Cr +12.6% | ₹11,401 Cr -6.3% | ₹12,171 Cr +1.5% | ₹11,996 Cr +15.0% | ₹10,431 Cr |
| ₹17,198 Cr +10.5% | ₹15,569 Cr +15.9% | ₹13,438 Cr +34.2% | ₹10,016 Cr +1.0% | ₹9,917 Cr -13.8% | ₹11,504 Cr +10.2% | ₹10,440 Cr +36.7% | ₹7,637 Cr | |
| Profit Before Tax | ₹3,756 Cr +26.8% | ₹2,962 Cr +17.0% | ₹2,532 Cr -8.3% | ₹2,760 Cr +83.5% | ₹1,504 Cr +68.2% | ₹895 Cr -42.5% | ₹1,556 Cr -44.3% | ₹2,794 Cr |
| Exceptional Items | (₹133 Cr) | ₹0.00 Cr | ₹0.00 Cr +100.0% | (₹56 Cr) ↓ Decline | ₹21 Cr -91.0% | ₹229 Cr | ₹0.00 Cr | ₹0.00 Cr |
| ₹965 Cr +25.9% | ₹766 Cr +18.7% | ₹645 Cr -11.9% | ₹733 Cr +83.6% | ₹399 Cr +159.4% | ₹154 Cr -70.2% | ₹516 Cr -47.0% | ₹973 Cr | |
| Net Profit | ₹2,861 Cr +26.5% | ₹2,261 Cr +16.4% | ₹1,943 Cr -6.2% | ₹2,071 Cr +80.1% | ₹1,150 Cr +47.4% | ₹780 Cr -28.1% | ₹1,086 Cr -41.9% | ₹1,867 Cr |
| Profit (Owners) | ₹2,855 Cr +26.2% | ₹2,262 Cr +17.0% | ₹1,933 Cr -6.7% | ₹2,072 Cr +82.3% | ₹1,137 Cr +47.0% | ₹773 Cr -28.1% | ₹1,075 Cr -41.2% | ₹1,827 Cr |
| Minority Interest | ₹7 Cr ↑ Recovery | (₹1 Cr) ↓ Decline | ₹10 Cr ↑ Recovery | (₹1 Cr) ↓ Decline | ₹13 Cr +90.5% | ₹7 Cr -33.8% | ₹11 Cr -73.3% | ₹40 Cr |
| Other Comprehensive Income | ₹158 Cr +45.7% | ₹109 Cr +70.6% | ₹64 Cr ↑ Recovery | (₹35 Cr) ↓ Decline | ₹5 Cr ↑ Recovery | (₹90 Cr) ↓ Decline | ₹33 Cr ↑ Recovery | (₹2 Cr) |
| EPS | ₹20.54 | ₹16.27 | ₹13.90 | ₹14.91 | ₹8.18 | ₹5.56 | ₹7.74 | ₹13.15 |
| Diluted Shares | ₹139 Cr | ₹139 Cr | ₹139 Cr | ₹139 Cr | ₹139 Cr | ₹139 Cr | ₹139 Cr | ₹139 Cr |
| Fees And Commission | ₹1,318 Cr +26.1% | ₹1,045 Cr +20.4% | ₹868 Cr +204.2% | ₹285 Cr +82.7% | ₹156 Cr +49.0% | ₹105 Cr -16.1% | ₹125 Cr -3.7% | ₹130 Cr |
| Fees And Commission Income | ₹910 Cr +72.3% | ₹528 Cr +186.4% | ₹184 Cr +2.1% | ₹181 Cr +64.3% | ₹110 Cr +45.4% | ₹76 Cr -27.4% | ₹104 Cr -10.5% | ₹116 Cr |
| Profit Or Loss Of Associates | ₹70 Cr +6.8% | ₹65 Cr +16.3% | ₹56 Cr +29.5% | ₹43 Cr -3.8% | ₹45 Cr +13.9% | ₹40 Cr -13.9% | ₹46 Cr -2.2% | ₹47 Cr |
| Impairment On Financial Instruments | ₹2,483 Cr +19.1% | ₹2,085 Cr +6.6% | ₹1,956 Cr +65.4% | ₹1,183 Cr -56.0% | ₹2,690 Cr -32.7% | ₹3,999 Cr +72.4% | ₹2,319 Cr +223.4% | ₹717 Cr |
| Net Gain On Amortised Derecognition | ₹0.00 Cr -100.0% | ₹2 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
No related party data available for this company.
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ESG Rating
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Earnings Call Transcript - Q1 FY27
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Certificate under Regulation 76 of SEBI (Depositories and Participants) Regulations, 2018
Mahindra & Mahindra Financial Services Limited has submitted the Exchange a copy Srutinizer's report of Annual General Meeting held on July 21, 2026 along with the Voting results.
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Copy of Newspaper Publication- Extracts of Financial Results-Q1 FY2027
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Link of Audio Recording - Q1 FY2027 Earnings Conference Call
Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding Proceedings of Annual General Meeting held on Tuesday, 21st July 2026.
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Credit Rating
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Investor Presentation
Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding a press release dated July 21, 2026, titled "Standalone and Consolidated financial results of the Company for the fir...
Mahindra & Mahindra Financial Services Limited has submitted to the Exchange - Outcome of Board Meeting - Unaudited Standalone and Consolidated Financial Results of the Company for the first quarter e...
Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - ESG Ratings
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Schedule of Earnings Conference Call - Q1 FY27
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Credit Rating
Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding Transfer of Equity Shares from Mahindra & Mahindra Financial Services Limited Employees' Stock Option Trust to eligib...