Fact based stock research
Mahindra & Mahindra Financial Services (NSEI:M&MFIN)

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

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Mahindra & Mahindra Financial Services stock research in summary

mahindrafinance.com

ANALYSIS: With an Obermatt Combined Rank of 52 (better than 52% compared with investment alternatives), Mahindra & Mahindra Financial Services (Consumer Finance, India) shares have above-average financial characteristics compared with similar stocks. Shares of Mahindra & Mahindra Financial Services are a good value (attractively priced) with a consolidated Value Rank of 59 (better than 59% of alternatives), show above-average growth (Growth Rank of 57) but are riskily financed (Safety Rank of 34), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 52, is a buy recommendation based on Mahindra & Mahindra Financial Services's financial characteristics. As the company Mahindra & Mahindra Financial Services's key financial metrics exhibit excellent performance in two areas, such as good value (Obermatt Value Rank of 59) and above-average growth (Obermatt Growth Rank of 57), it could be argued that the risk-taking in financing (Obermatt Safety Rank of only 34) indicates that the company is optimistic about the future and sees debt as an opportunity to boost returns. More debt means more shareholder returns if everything goes well. However, higher debt burdens are risky when interest rates rise or the business deteriorates in a crisis. If you believe the company's future is market-typical or even better, this could be an argument for a share purchase. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	59
Growth Rank	57
Safety Rank	34
Combined Rank	52

Country	India
Industry	Consumer Finance
Index	Good Governace Growth Markets, Independent Boards Growth Markets
Size class	Large

15-May-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Mahindra & Mahindra Financial Services

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	43	47	51	59
GROWTH
GROWTH	31	43	59	57
SAFETY
SAFETY	66	21	19	34
SENTIMENT
SENTIMENT	41	3	23	^new
360° VIEW
360° VIEW	27	1	17	^new

Most recent update of the stock research: 15-May-2025. Financial reporting date used for calculating ranks: 31-Mar-2024. Stock research history is based on the Obermatt Method. The higher the rank, the better Mahindra & Mahindra Financial Services is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	43	47	51	59
GROWTH
GROWTH	31	43	59	57
SAFETY
SAFETY	66	21	19	34
COMBINED
COMBINED	45	12	28	52

Last update of combined financial performance: 15-May-2025. Stock analysis on combined financial performance: The higher the rank of Mahindra & Mahindra Financial Services the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 59 (better than 59% compared with alternatives), Mahindra & Mahindra Financial Services shares are more attractively priced than the majority of comparable stocks. The Value Rank is based on consolidating four value indicators, with three out of four indicators above average for Mahindra & Mahindra Financial Services. Price-to-Sales (P/S) is 57, which means that the stock price compared with what market professionals expect for future sales is lower than for 57% of comparable companies, indicating a good value regarding Mahindra & Mahindra Financial Services's revenue size. The same is valid for expected Price to Profits (or Price / Earnings, P/E), more favorable than for 55% of alternatives, and it's also true for the Price-to-Book Capital ratio (also referred to as market-to-book ratio) with a Price-to-Capital Rank of 53. But, compared with other companies in the same industry, dividend yields are expected to be lower than average; only 45% of all competitors have even lower dividend yields than Mahindra & Mahindra Financial Services (a Dividend Yield Rank of 45). 55% alternative investments in the same business provide a higher dividend yield. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 59, is a buy recommendation based on Mahindra & Mahindra Financial Services's stock price compared with the company's operational size and dividend yields. The below-average dividend yield may be a good sign, as it could mean the company has more attractive investment opportunities for the generated cash than to pay it out as dividends. A low dividend yield can also indicate a growth phase. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	43	41	45	57
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	53	35	45	55
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	48	43	44	53
DIVIDEND YIELD
DIVIDEND YIELD	36	42	48	45
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	43	47	51	59

Last update of Value Rank: 15-May-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Mahindra & Mahindra Financial Services; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 57 (better than 57% compared with alternatives), Mahindra & Mahindra Financial Services shows an above-average growth dynamic in its industry. Investors also speak of positive momentum. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for Mahindra & Mahindra Financial Services. Sales Growth has a value of 69 which means that currently professionals expect the company to grow more than 69% of its competitors. Profit Growth with a value of 63 and Capital Growth with a rank of 61 means that currently, professionals expect the company to grow both profits and invested capital more than of its competitors. But Stock Returns has only a rank of 33, which means that stock returns have recently been below 67% of alternative investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 57, is a buy recommendation for growth and momentum investors. Mahindra & Mahindra Financial Services has only one below-average growth indicator, the stock returns. This is probably the least reliable growth indicator, because it measures company and investor expectations at the same time. The three other growth indicators, which are all positive for Mahindra & Mahindra Financial Services, are more reliable measures of growth momentum. For this reason, the company seems to be on a good trajectory, unless you think the current period is not representative, because of unique events that will not be repeated in the future. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	44	92	79	69
PROFIT GROWTH
PROFIT GROWTH	98	8	94	63
CAPITAL GROWTH
CAPITAL GROWTH	16	46	16	61
STOCK RETURNS
STOCK RETURNS	11	53	37	33
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	31	43	59	57

Last update of Growth Rank: 15-May-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Mahindra & Mahindra Financial Services.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 34 (better than 34% compared with alternatives), the company Mahindra & Mahindra Financial Services has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Mahindra & Mahindra Financial Services is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Mahindra & Mahindra Financial Services and the other two below average. Refinancing is at 81, meaning the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 81% of its competitors. But Leverage is high with a rank of 16, meaning the company has an above-average debt-to-equity ratio. It has more debt than 84% of its competitors. Liquidity is also on the riskier side with a rank of 33, meaning the company generates less profit to service its debt than 67% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 34 (worse than 66% compared with alternatives), Mahindra & Mahindra Financial Services has a financing structure that is riskier than that of its competitors. A good Refinancing Rank means that the problems of the company may not be around the corner. But high Leverage is only good if things go well, and low Liquidity is a signal for caution. The financing signals for Mahindra & Mahindra Financial Services are on the riskier side, requiring the company's future to be on the safer side. Investors may want to look at Growth and Sentiment ranks before making an investment decision. In the long-term, investors may have a debt challenge with Mahindra & Mahindra Financial Services and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	28	16	16	16
REFINANCING
REFINANCING	69	56	69	81
LIQUIDITY
LIQUIDITY	74	55	26	33
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	66	21	19	34

Last update of Safety Rank: 15-May-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Mahindra & Mahindra Financial Services and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	23	21	^new
OPINIONS CHANGE
OPINIONS CHANGE	82	48	86	^new
PRO HOLDINGS
PRO HOLDINGS	34	29	33	^new
MARKET PULSE
MARKET PULSE	22	16	21	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	41	3	23	^new

Last update of Sentiment Rank: 15-May-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Mahindra & Mahindra Financial Services.
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