M&MFIN.NS
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: NA

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

P/E Ratio: Fairly valued stock which is a sign of mature companies

Performance Graph
Financial Ratios
Ratio Value
PE Ratio16.88
Net Profit Margin0.24
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio0.00
Debt to Equity4.60
Key Ratios

Net Profit Margin: Making high profit when compared with its revenue which generally means company’s strong hold in the market, and good efficiency of the business

Return on Assets: NA

Return on Equity: Very low income of the company when compared with its equity, which means inefficient equity

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.24
Return on Assets0.00
Return on Equity0.10
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: NA

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio0.00
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: NA

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio0.00
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has high debt when compared to its equity which means it would not be able to pay its debt with the equity

Interest Coverage Ratio: NA

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio4.60
Interest Coverage Ratio0.00
Performance Graph
Key Ratios

P/E Ratio: Fairly valued stock which is a sign of mature companies

Dividend Yield: Low yield, focus on growth rather than dividends (Low dividend yield, which means company is focusing on growth

Performance Graph
Market Ratios
Ratio Value
P/E Ratio16.88
Gross Profit Margin0.00
Price to Book Ratio1.64
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Mahindra & Mahindra Financial Services Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 1237160000000 1050850000000 838087000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets - - -
Financial Assets - - -
Investment In Financial Assets 86312000000 91754300000 77762400000
Held To Maturity Securities - - -
Available For Sale Securities 66685000000 68873600000 63623600000
Financial Assets Fair Value 19627000000 22880700000 13872500000
Long Term Equity Investment 10194300000 9525400000 8554000000
Investments In Associates At Cost - - 6124300000
Goodwill And Other Intangible Assets 1304300000 181400000 563100000
Other Intangible Assets 1304300000 181400000 129100000
Goodwill - - 434000000
Net Ppe 10683300000 10795500000 5994900000
Accumulated Depreciation -7351400000 -6266400000 -5181500000
Gross Ppe 18034700000 17061900000 11176400000
Construction In Progress 853600000 2244500000 1384200000
Other Properties 6147800000 4656500000 2637200000
Machinery Furniture Equipment 4158300000 3790500000 3613900000
Buildings And Improvements 6866900000 6362300000 3533000000
Land And Improvements 8100000 8100000 8100000
Properties - - -
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 1084600000 851800000 834300000
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables - - -
Taxes Receivable 7334700000 5685000000 4862500000
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments - - -
Other Short Term Investments - - -
Cash And Cash Equivalents 39316800000 54036300000 44523400000
Cash Equivalents - - -
Cash Financial 932700000 631600000 911700000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 872127000000 705662000000 489528000000
Total Debt 916395000000 764515000000 536448000000
Total Liabilities Net Minority Interest 1037410000000 863833000000 667709000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities 3352700000 1807000000 1822200000
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 916395000000 764515000000 536448000000
Long Term Capital Lease Obligation - - -
Long Term Debt - - -
Long Term Provisions - - -
Current Liabilities - - -
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation - - -
Current Capital Lease Obligation - - -
Current Debt - - -
Pension And Other Post Retirement Benefit Plans Current - - -
Current Provisions - - -
Payables 20774900000 15182300000 13445800000
Other Payable 2693000000 1974400000 2032000000
Dividends Payable 5700000 6000000 5800000
Total Tax Payable 1286000000 741500000 276000000
Accounts Payable 16790200000 12460400000 11132000000
Common Stock Equity 199333000000 185601000000 168963000000
Total Capitalization 1110780000000 945299000000 703014000000
Total Equity Gross Minority Interest 199749000000 187014000000 170378000000
Minority Interest 416100000 1413500000 1414600000
Stockholders Equity 199333000000 185601000000 168963000000
Other Equity Interest 304400000 401800000 430300000
Treasury Stock - - -
Retained Earnings 83642900000 74173500000 61469700000
Additional Paid In Capital 72360600000 72203500000 72072900000
Capital Stock 2468800000 2467200000 2466000000
Common Stock 2468800000 2467200000 2466000000

Income statement interpretation for Mahindra & Mahindra Financial Services Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 81372900000 73941200000 68242200000
Operating Revenue 81372900000 73941200000 68242200000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit - - -
Operating Income - - -
Net Income 19326900000 20724000000 11368700000
Net Income From Continuing Operation Net Minority Interest 19326900000 20724000000 11368700000
Net Income From Continuing And Discontinued Operation 19326900000 20724000000 11368700000
Net Income Common Stockholders 19326900000 20724000000 11368700000
Net Income Including Noncontrolling Interests 19430500000 20712000000 11503400000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 19430500000 20712000000 11503400000
Normalized Income 19274834100 20699728500 11204102681
Normalized Ebitda - - -
Total Unusual Items 69700000 33000000 221700000
Total Unusual Items Excluding Goodwill 69700000 33000000 221700000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 2748500000 2259600000 1519900000
Reconciled Cost Of Revenue - - -
Total Expenses - - -
Operating Expense 36554600000 34537500000 26528200000
Other Operating Expenses 7865800000 8338000000 7020900000
Depreciation And Amortization In Income Statement 2748500000 2259600000 1519900000
Amortization 138500000 130200000 -
Depreciation Income Statement 2610000000 2129400000 1519900000
Selling General And Administration 2349300000 1862000000 1097000000
Selling And Marketing Expense 414100000 288600000 156100000
General And Administrative Expense 1935200000 1573400000 940900000
Rent And Landing Fees 171000000 167700000 184400000
Tax Provision 6451300000 7325600000 3990800000
Pretax Income 25881800000 28037600000 15494200000
Other Non Operating Income Expenses - - -
Special Income Charges 69700000 33000000 221700000
Other Special Charges -69700000 -33000000 -221700000
Write Off - - -
Net Non Operating Interest Income Expense - - -
Total Other Finance Cost - - -
Interest Expense Non Operating - - -
Interest Income Non Operating - - -
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 15.65 16.79 9.21
Basic Eps 15.66 16.81 9.23
Diluted Ni Avail To Com Stockholders 19326900000 20724000000 11368700000
Net Income From Continuing Operations 25320700000 28165000000 14838300000
Minority Interests -103600000 12000000 -134700000

Cash flow analysis for Mahindra & Mahindra Financial Services Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -184486000000 -173953000000 180600000
Changes In Cash 3166300000 -1787200000 -442300000
Taxes Refund Paid -8266700000 -5337600000 -5732200000
Change In Working Capital -220508000000 -211510000000 -44023400000
Change In Other Current Liabilities 725200000 -10500000 142100000
Change In Other Current Assets -721300000 -774500000 -26000000
Change In Payable 4152300000 1319400000 3610100000
Change In Inventory - - -
Change In Receivables -714100000 -221500000 -203100000
Other Non Cash Items -74601800000 -69709600000 -64811300000
Stock Based Compensation 59000000 100000000 135100000
Provision And Write Off Of Assets 17148900000 22133600000 28065400000
Depreciation And Amortization 2748500000 2259600000 1519900000
Amortization Cash Flow 138500000 130200000 126800000
Depreciation 2610000000 2129400000 1393100000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 26702800000 -16353700000 31105900000
Net Other Investing Changes 16458300000 -6710400000 17701000000
Interest Received Cfi 7476300000 7894200000 5580900000
Dividends Received Cfi - - -
Net Investment Purchase And Sale 7537300000 -13552100000 10765000000
Sale Of Investment 78433400000 61850900000 131959000000
Purchase Of Investment -70896100000 -75403000000 -121194000000
Net Business Purchase And Sale -2063900000 - -
Sale Of Business - - -
Purchase Of Business -2063900000 - -
Net Ppe Purchase And Sale -2705200000 -3985400000 -2941000000
Sale Of Ppe 527800000 147500000 65800000
Purchase Of Ppe -3233000000 -4132900000 -3006800000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 160949000000 188520000000 -31728800000
Net Other Financing Charges 17089800000 -28590900000 -11412500000
Interest Paid Cff - - -
Cash Dividends Paid -7398800000 -4439900000 -991900000
Common Stock Dividend Paid -7398800000 -4439900000 -991900000
Net Common Stock Issuance - - -
Common Stock Payments - - -
Common Stock Issuance - - -
Repurchase Of Capital Stock - - -
Repayment Of Debt -418257000000 -306611000000 -506548000000
Issuance Of Debt 570567000000 528849000000 487770000000
Issuance Of Capital Stock - - -
Net Issuance Payments Of Debt 152310000000 222238000000 -18777800000
Net Short Term Debt Issuance - 1699700000 -
Short Term Debt Issuance - 1699700000 -
Net Long Term Debt Issuance 152310000000 222238000000 -18777800000
Long Term Debt Payments -418257000000 -306611000000 -506548000000
Long Term Debt Issuance 570567000000 528849000000 487770000000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of M&MFIN.NS (Mahindra & Mahindra Financial Services Limited)

Above is the summary for fundamental analysis of Mahindra & Mahindra Financial Services Limited , whose ticker name is M&MFIN.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Mahindra & Mahindra Financial Services Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 16.88, M&MFIN.NS has a net profit margin of 0.24, the acid test ratio for M&MFIN.NS is 0.00, M&MFIN.NS has an inventory turnover of 0.00, and M&MFIN.NS has debt-to-equity ratio of 4.60.

The M&MFIN.NS whose company name is Mahindra & Mahindra Financial Services Limited has made profit/loss of 0 with total revenue of 81372900000, M&MFIN.NS has assets worth of 1237160000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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