MFSL.NS
Key Ratios

Net Profit Margin: Making very low profit as compared to its revenue which generally means either business is inefficient or cost of making the product or services is higher than what it is finally worth

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: Company is comfortably able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has low debt when compared to its equity which means it is financially stable

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

Performance Graph
Financial Ratios
Ratio Value
PE Ratio113.07
Net Profit Margin0.01
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio2.18
Debt to Equity0.22
Key Ratios

Net Profit Margin: Making very low profit as compared to its revenue which generally means either business is inefficient or cost of making the product or services is higher than what it is finally worth

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 Margin0.01
Return on Assets0.00
Return on Equity0.09
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: Company is comfortably able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio2.18
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has low debt when compared to its equity which means it is financially stable

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio0.22
Interest Coverage Ratio15.36
Performance Graph
Key Ratios

P/E Ratio: Overvalued stock which means company is making very less revenue per share but stock price is very high which represent speculative stock

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 Ratio113.07
Gross Profit Margin0.00
Price to Book Ratio9.95
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Max 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 1627730000000 1318240000000 1177490000000
Total Non Current Assets - - -
Other Non Current Assets - - -
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets 23381000 38568000 12985000
Financial Assets 4107202000 2135078000 2338698000
Investment In Financial Assets 55135003000 47203111000 58231361000
Held To Maturity Securities - - -
Available For Sale Securities 46603571000 38883445000 43336863000
Financial Assets Fair Value 4424230000 6184588000 12555800000
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 8155083000 7619648000 6990410000
Other Intangible Assets 2902539000 2367104000 1737866000
Goodwill 5252544000 5252544000 5252544000
Net Ppe 4074112000 3857106000 2972082000
Accumulated Depreciation -5216846000 -4144638000 -3163301000
Gross Ppe 9290958000 8001744000 6135383000
Construction In Progress 19759000 8110000 15924000
Other Properties 6067014000 5317028000 4002485000
Machinery Furniture Equipment 2324662000 1920529000 1456561000
Buildings And Improvements 879523000 756077000 660413000
Land And Improvements - - -
Properties - - -
Current Assets - - -
Other Current Assets - - -
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets 1439212000 1385931000 1180794000
Inventory - - 50821000
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 1624477000 1073112000 16940000
Taxes Receivable 43004000 43943000 1813000
Accounts Receivable 10371251000 8579882000 10990326000
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments 34348378000 26983604000 26176258000
Other Short Term Investments 17372100000 14724586000 18535976000
Cash And Cash Equivalents 16976278000 12259018000 7640282000
Cash Equivalents - - -
Cash Financial - - -
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt - - -
Total Debt 8438522000 8307296000 7781137000
Total Liabilities Net Minority Interest 1584040000000 1278550000000 1132640000000
Total Non Current Liabilities Net Minority Interest - - -
Other Non Current Liabilities - - -
Derivative Product Liabilities 4162715000 2711936000 3000667000
Non Current Pension And Other Postretirement Benefit Plans - - -
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue 282633000 288355000 6401000
Non Current Deferred Taxes Liabilities 58770000 141000 38182000
Long Term Debt And Capital Lease Obligation 8438522000 8307296000 7781137000
Long Term Capital Lease Obligation 3231538000 3100655000 2575515000
Long Term Debt 5206984000 5206641000 5205622000
Long Term Provisions 586921000 483604000 490780000
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 41379706000 43498752000 27288927000
Other Payable 26514281000 26401944000 12890542000
Dividends Payable - 1953000 5052000
Total Tax Payable - - -
Accounts Payable 14865425000 17094855000 14393333000
Common Stock Equity 38659257000 35182386000 39346128000
Total Capitalization 43866241000 40389027000 44551750000
Total Equity Gross Minority Interest 43695404000 39684966000 44849163000
Minority Interest 5036147000 4502580000 5503035000
Stockholders Equity 38659257000 35182386000 39346128000
Other Equity Interest 64556000 36408000 38655900000
Treasury Stock 1196353000 1215680000 -
Retained Earnings -9823436000 -13124303000 -10106611000
Additional Paid In Capital 47360905000 47261705000 47162505000
Capital Stock 687251000 687221000 690230000
Common Stock 687251000 687221000 690230000

Income statement interpretation for Max 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 464953000000 313280000000 311829000000
Operating Revenue 464953000000 313280000000 311829000000
Cost Of Revenue - - -
Gross Profit - - -
Ebitda - - -
Ebit 4437220000 5273160000 4556600000
Operating Income - - -
Net Income 3401071000 3784860000 2533700000
Net Income From Continuing Operation Net Minority Interest 3401071000 3784860000 2533700000
Net Income From Continuing And Discontinued Operation 3401071000 3784860000 2533700000
Net Income Common Stockholders 3401071000 3784860000 2533700000
Net Income Including Noncontrolling Interests 3926054000 4518940000 3184000000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 3926054000 4518940000 3184000000
Normalized Income 3371994517 3722614840 2531488036
Normalized Ebitda - - -
Total Unusual Items 30723000 72619000 2700000
Total Unusual Items Excluding Goodwill 30723000 72619000 2700000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 2129117000 1777767000 1802200000
Reconciled Cost Of Revenue - - -
Total Expenses 460805000000 308008000000 307943000000
Operating Expense - - -
Other Operating Expenses 8179895000 7243047000 263800000
Depreciation And Amortization In Income Statement 2129091000 1777728000 1802200000
Amortization 760000 - -
Depreciation Income Statement 2128331000 1777728000 1802228000
Selling General And Administration 5813880000 5875880000 138500000
Selling And Marketing Expense 4575686000 5191294000 5886315000
General And Administrative Expense 1238194000 684586000 138500000
Rent And Landing Fees 117153000 120030000 48503000
Tax Provision 222321000 753131000 702500000
Pretax Income 4148375000 5272071000 3886500000
Other Non Operating Income Expenses - - -
Special Income Charges 30723000 72619000 2700000
Other Special Charges -9323000 -69981000 -
Write Off -21400000 -2638000 -2700000
Net Non Operating Interest Income Expense -892955000 -566528000 -670100000
Total Other Finance Cost 642444000 648204000 476652000
Interest Expense Non Operating 288845000 1089000 670100000
Interest Income Non Operating 38334000 82765000 5724000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 9.85 10.97 7.34
Basic Eps 9.85 10.97 7.34
Diluted Ni Avail To Com Stockholders 3401071000 3784860000 2533700000
Net Income From Continuing Operations 4148375000 5272071000 3886500000
Minority Interests -524983000 -734080000 -650300000

Cash flow analysis for Max 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 61069293000 99222859000 84958700000
Changes In Cash 9860560000 -18655326000 484600000
Taxes Refund Paid -130451000 -951168000 -701700000
Change In Working Capital -3812170000 8387304000 143400000
Change In Other Current Liabilities -181656000 448595000 3718700000
Change In Other Current Assets 438434000 1506424000 -2123100000
Change In Payable -1924495000 3067818000 2275100000
Change In Inventory - - -
Change In Receivables -2412700000 -235684000 -650500000
Other Non Cash Items -77238697000 -64830017000 -54406400000
Stock Based Compensation 33852000 41800000 1900000
Provision And Write Off Of Assets 259862000000 150389000000 169994000000
Depreciation And Amortization 2129117000 1777767000 1802200000
Amortization Cash Flow - - -
Depreciation 2129117000 1777767000 1802200000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow -50038884000 -115551000000 -88353800000
Net Other Investing Changes 96595000 -268573000 -293800000
Interest Received Cfi 77779115000 65132597000 54837500000
Dividends Received Cfi - - -
Net Investment Purchase And Sale -124315000000 -169136000000 -145837000000
Sale Of Investment 1015240000000 1023960000000 13258900000000
Purchase Of Investment -1139560000000 -1193100000000 -13404800000000
Net Business Purchase And Sale - -8426609000 5548100000
Sale Of Business - - 5548100000
Purchase Of Business - -8426609000 -
Net Ppe Purchase And Sale 17823000 21086000 9400000
Sale Of Ppe 17823000 21086000 9400000
Purchase Of Ppe - - -
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow -1169849000 -2327649000 3879700000
Net Other Financing Charges - - 9700000
Interest Paid Cff -373059000 -372000000 -
Cash Dividends Paid - - -320700000
Common Stock Dividend Paid - - -320700000
Net Common Stock Issuance 20535000 -1218689000 -
Common Stock Payments -54386000 -1218689000 -
Common Stock Issuance 74921000 - -
Repurchase Of Capital Stock -54386000 -1218689000 -
Repayment Of Debt - - -
Issuance Of Debt - - 4960000000
Issuance Of Capital Stock 74921000 - -
Net Issuance Payments Of Debt - - 4960000000
Net Short Term Debt Issuance - - -
Short Term Debt Issuance - - -
Net Long Term Debt Issuance - - 4960000000
Long Term Debt Payments - - -
Long Term Debt Issuance - - 4960000000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of MFSL.NS (Max Financial Services Limited)

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

The Max Financial Services Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 113.07, MFSL.NS has a net profit margin of 0.01, the acid test ratio for MFSL.NS is 0.00, MFSL.NS has an inventory turnover of 0.00, and MFSL.NS has debt-to-equity ratio of 0.22.

The MFSL.NS whose company name is Max Financial Services Limited has made profit/loss of 0 with total revenue of 464953000000, MFSL.NS has assets worth of 1627730000000.

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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