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

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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 37 (worse than 63% compared with investment alternatives), Mahindra & Mahindra Financial Services (Consumer Finance, India) shares have somewhat below-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 51 (better than 51% of alternatives), show above-average growth (Growth Rank of 65) but are riskily financed (Safety Rank of 21), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 37, is a hold 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 51) and above-average growth (Obermatt Growth Rank of 65), it could be argued that the risk-taking in financing (Obermatt Safety Rank of only 21) 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	51
Growth Rank	65
Safety Rank	21
Combined Rank	37

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

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

Further information

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Research History: Mahindra & Mahindra Financial Services

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	43	47	51	51
GROWTH
GROWTH	31	43	59	65
SAFETY
SAFETY	66	21	19	21
SENTIMENT
SENTIMENT	41	3	23	^new
360° VIEW
360° VIEW	27	1	17	^new

Most recent update of the stock research: 24-Apr-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	51
GROWTH
GROWTH	31	43	59	65
SAFETY
SAFETY	66	21	19	21
COMBINED
COMBINED	45	12	28	37

Last update of combined financial performance: 24-Apr-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 51 (better than 51% 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 all four indicators below average for Mahindra & Mahindra Financial Services. Price-to-Sales is 49 which means that the stock price compared with what market professionals expect for future profits is higher than 51% of comparable companies, indicating a low value concerning Mahindra & Mahindra Financial Services's sales levels. Price-to-Book Capital (also referred to as market-to-book ratio) also has a low Price-to-Book Rank of 45, which means that both reliable company size indicators, sales, and invested capital cannot explain the high stock price of Mahindra & Mahindra Financial Services. In addition, the two profit-related value indicators, Price-to-Profit (also referred to as price-earnings, P/E) with a low rank of 47 and Dividend Yield, which is lower than 53% of comparable companies, also make the stock more expensive compared with investment alternatives. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 51, is a buy recommendation based on Mahindra & Mahindra Financial Services's stock price compared with the company's operational size and dividend yields. How can market participants pay such a high price for Mahindra & Mahindra Financial Services? One reason may be that the company is simply too popular. If enough people want a particular stock, its price can exceed reasonable levels. This is often the case for companies offering new and exciting products and everybody wants a piece of the action. Should you pay a lot for a hot stock such as Mahindra & Mahindra Financial Services? It's risky, and even if the stock price continues to grow because of popular demand, it may return to more typical lower levels later. And that return can be sudden and quick, making it impossible for retail investors to exit on time. Sometimes, high prices are deserved. This is the case when it is justified to believe that the company will dominate a market with high profit margins. It has happened in the past for many technology companies and indeed for commercially successful pharmaceutical discoveries. Sometimes they last, sometimes, they get eaten alive. Mahindra & Mahindra Financial Services may be such a type of stock. That would mean, retail investors should be careful, only considering investing a small part of their wealth in this exciting category and always being ready to lose more than half, if not all of the investment. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	43	41	45	49
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	53	35	45	47
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	48	43	44	45
DIVIDEND YIELD
DIVIDEND YIELD	36	42	48	47
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	43	47	51	51

Last update of Value Rank: 24-Apr-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 65 (better than 65% 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 half of the indicators below and half above average for Mahindra & Mahindra Financial Services. Sales Growth has a rank of 79, which means that, currently, professionals expect the company to grow more than 79% of its competitors. Profit Growth with a rank of 98 is also above average. But Capital Growth has only a rank of 21, and Stock Returns with 45 are also below-average. Stock returns for Mahindra & Mahindra Financial Services have recently been below 55% of alternative investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 65, is a buy recommendation for growth and momentum investors. Are investors forecasting troubles based on the lack of operating investment activity at the company? This could be one explanation as to why stock returns are low. But stock returns can also be the result of correcting an error in the past, in this case, an overly optimistic outlook on the future, which is now more realistic. The Value Ranks may confirm such a picture. The more important growth indicators are revenues and profits, which are both above average for Mahindra & Mahindra Financial Services. This is a positive sign from the company's operational side and may give investors courage, despite the poor recent stock price performance. 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 the Obermatt Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	44	92	79	79
PROFIT GROWTH
PROFIT GROWTH	98	8	94	98
CAPITAL GROWTH
CAPITAL GROWTH	16	46	16	21
STOCK RETURNS
STOCK RETURNS	11	53	37	45
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	31	43	59	65

Last update of Growth Rank: 24-Apr-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 21 (better than 21% compared with alternatives), the company Mahindra & Mahindra Financial Services has much riskier financing practices than comparable other companies, which means that their overall debt burden is significantly 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 67, meaning the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 67% 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 34, meaning the company generates less profit to service its debt than 66% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 21 (worse than 79% compared with alternatives), Mahindra & Mahindra Financial Services has a financing structure that is significantly 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	67
LIQUIDITY
LIQUIDITY	74	55	26	34
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	66	21	19	21

Last update of Safety Rank: 24-Apr-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: 24-Apr-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Mahindra & Mahindra Financial Services.
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