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“Banking franchise in NBFC — Lending & Credit.”
Net Interest Income of ₹16,566 Cr on total income of ₹16,634 Cr.
Cost-to-income ratio at 22.3%. 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 | 9.6%▲ | 5.4% |
| ROCE | 9.0%▲ | 5.4% |
| Net Margin | 13.6%▲ | 11.6% |
| EBITDA Margin | 60.7%▲ | 30.1% |
| Debt To Equity | 4.90x▲ | 0.15x |
| Rev Growth 3yr | 17.6%▲ | 13.5% |
| EPS Growth 3yr | 25.8%▲ | 16.5% |
| Cost To Income | 22.3%▼ | 36.9% |
| Credit Deposit Ratio | 0.00x | - |
| (₹ Cr) | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| ₹20,352 Cr +10.2% | ₹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 | |
| ₹72 Cr +6.6% | ₹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 | ₹20,424 Cr +10.2% | ₹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 |
| ₹17,184 Cr +10.4% | ₹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 | ₹3,107 Cr +4.9% | ₹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 |
| ₹799 Cr +4.4% | ₹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 | ₹2,377 Cr +5.1% | ₹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) | ₹2,374 Cr +4.9% | ₹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 | ₹3 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 | ₹82 Cr -24.2% | ₹109 Cr +70.6% | ₹64 Cr ↑ Recovery | (₹35 Cr) ↓ Decline | ₹5 Cr ↑ Recovery | (₹90 Cr) ↓ Decline | ₹33 Cr ↑ Recovery | (₹2 Cr) |
| EPS | ₹17.08 | ₹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 | ₹1,227 Cr +17.4% | ₹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 | ₹809 Cr +53.3% | ₹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 | ₹69 Cr +6.4% | ₹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 |
| Net Gain On Amortised Derecognition | ₹2 Cr 0.0% | ₹2 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr | ₹0.00 Cr |
| Impairment On Financial Instruments | ₹2,636 Cr +26.4% | ₹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 |
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Disclaimer · The Stock Filter is an information platform, not a SEBI-registered investment adviser. All data, scores, and narratives are generated from public filings and AI analysis — they do not constitute investment advice, recommendations, or endorsements. Always consult a qualified financial adviser before making investment decisions. Past performance does not guarantee future results.
Mahindra & Mahindra Financial Services Limited has informed the Exchange about issue of NCDs
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Schedule of Investor Conference - 24th June 2026
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Credit Rating- Others
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Schedule of Investor Conference
Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding allotment of NCDs
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Copy of Newspaper Publication
Mahindra & Mahindra Financial Services Limited has informed the Exchange about issue of NCDs
Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding allotment of NCDs
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Issuance of NCDs
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Transcript of Earnings Con Call - Q4 & FY2026
Mahindra & Mahindra Financial Services Limited has informed the Exchange regarding allotment of NCDs
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Copy of Newspaper Publication - Extract of Financial Results Q4 & FY2026
Mahindra & Mahindra Financial Services Limited has informed the Exchange about NCD Issuance
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Credit Rating
Mahindra & Mahindra Financial Services Limited has informed the Exchange about Reaffirmation of Credit Ratings