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MAS Financial Serv share price

MAS Financial Services Ltd.

NSE: MASFIN BSE: 540749 SECTOR: Finance Term Lending  67k   191   37

289.80
-4.40 (-1.50%)
BSE: 13 Jun 04:01 PM

Price Summary

Today's High

₹ 293.75

Today's Low

₹ 286.75

52 Week High

₹ 328.85

52 Week Low

₹ 221.5

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

5258.52 Cr.

Advances

7264.83 Cr.

No. of Shares

18.15 Cr.

P/E

17.19

P/B

2.03

Face Value

₹ 10

Div. Yield

0.59 %

Book Value (TTM)

₹  142.51

Operating Revenue

1217.15 Cr.

Net Profit

247.75 Cr.

Promoter Holding

66.63 %

EPS (TTM)

₹  16.86

Sales Growth

29.92

ROE

15.13 %

ROCE

11.82%

Profit Growth

23.28 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year29.92%
3 Year27.07%
5 Year16.29%

Profit Growth

1 Year23.28%
3 Year19.96%
5 Year10.25%

ROE%

1 Year15.13%
3 Year13.93%
5 Year14.55%

ROCE %

1 Year11.82%
3 Year11.31%
5 Year12.17%

ROA%

2.9313

PEG Ratio

NA

PAT Margin (%)

20.3549

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 66.63 0.00
Dec 2024 66.63 0.00
Sep 2024 66.63 0.00
Jun 2024 66.63 0.00
Mar 2024 73.73 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 27.0676855075345%.
  • The company has delivered substantial profit growth of 19.963987881667% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 24.0562074900908%.
  • Promoters shareholding is 66.63%.

 Limitations

  • Provision and contingencies have increased by 64.3630308076603%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Operating Revenue 329.31 345.92 365.05 389.71 416.51
Other Income 1.43 0.58 1.9 0.38 0.4
Interest Expended 161.52 171.44 175.4 184.54 191
Operating Expenses 77.07 79.56 88.29 99.18 115.7
Total Provisions 0 0 0 0 0
Depreciation 1.06 1.11 1.19 1.27 1.34
Profit Before Tax 91.09 94.39 102.07 105.1 108.87
Tax 23.04 23.96 25.5 26.99 28.05
Net Profit 68.05 70.43 76.57 78.11 80.82
Adjusted EPS (RS) 4.15 3.88 4.22 4.3 4.45

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 672 593.25 655.57 936.85 1217.15
Other Income 0.73 0.65 1.51 3.31 7.73
Interest 274.56 265.94 320.94 478.41 623.77
Operating Expenses 81.91 50.71 84.27 137 170.99
Total Provisions 88.09 84.36 40.57 60.05 98.7
Exceptional Items 0 0 0 0 0
Profit Before Tax 228.16 192.89 211.3 264.7 331.42
Tax 61.61 49.39 53.75 63.74 83.67
Profit After Tax 166.55 143.5 157.55 200.96 247.75
Adjusted EPS (Rs.) 10.16 8.75 9.61 12.26 15.11

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 54.66 54.66 54.66 54.66 163.99
Total Reserves 926.24 1117.91 1285.93 1451.07 1604.97
Borrowings 1337.16 1822.63 2661.14 4533.08 5934.83
Other N/C liabilities 606.94 376.58 283.27 -18.22 -9.97
Current liabilities 1904.68 2053.92 2099.44 1704.93 1484.56
Total Liabilities 4829.68 5425.7 6384.44 7725.52 9178.38
Assets
Loans 3348.47 3805.13 4553.8 5910.16 7264.83
Net Block 13.38 11.28 13.14 16.04 22.46
Capital WIP 48.21 50.03 52.04 57.66 69.8
Intangible WIP 0 0 0.04 0.33 0.24
Investments 32.5 198.35 485.96 347.7 278.5
Other Loans 0 0 0 0 0
Other N/C Assets 0 0 0 0 0
Current Assets 1387.12 1360.92 1279.46 1393.63 1542.55
Total Assets 4829.68 5425.7 6384.44 7725.52 9178.38
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
promoters 73.73 66.63 66.63 66.63 66.63
anamaya capital llp 0.18 0.17 0.17 0.17 0.17
dhriti kamlesh gandhi 0.02 0.02 0.02 0.02 0.02
dhvanil k gandhi 0.06 0.06 0.06 0.06 0.06
kamlesh chimanlal gandhi 11.60 10.48 10.48 10.48 10.48
late mukesh chimanlal gan... 29.56 26.71 26.71 26.71 26.71
prarthana marketing priva... 2.41 2.18 2.18 2.18 2.18
shweta kamlesh gandhi 29.89 27.01 27.01 27.01 27.01
PARTICULARS Mar 2024% Jun 2024% Sep 2024% Dec 2024% Mar 2025%
investors 26.27 33.37 33.37 33.37 33.37
axis mutual fund trustee ... 3.74 3.37 3.37 2.98 2.01
bandhan sterling value fu... 2.77 3.50 3.75 3.82 3.90
bavaria industries group ... - - - 1.20 1.33
business excellence trust... 7.40 6.69 6.69 6.69 6.69
llp 0.03 0.03 0.03 0.03 0.03
nippon life india trustee... - 3.37 3.53 4.27 5.29

Annual Reports

Title Action
Annual Report 2023
Annual Report 2022
Annual Report 2021
Annual Report 2020
Annual Report 2019
Annual Report 2018
Annual Report 2017

Ratings & Research Reports

TYPE AGENCY ACTION
Credit CARE
Credit ICRA
Credit SMERA
Credit CARE
Credit ICRA
Credit FITCH
TYPE AGENCY ACTION
Research Nuvama Wealth
Research HDFC Securities
Research HDFC Securities
Research HDFC Securities
Research Motilal Oswal

Concalls & Presentations

TYPE QUARTER ACTION
Concall Q4FY24
Concall Q4FY20
Concall Q3FY25
Concall Q3FY24
Concall Q2FY21
Concall Q1FY25
Concall Q1FY21
TYPE QUARTER ACTION
Presentation Q4FY24
Presentation Q4FY21
Presentation Q4FY20
Presentation Q3FY25
Presentation Q3FY24
Presentation Q3FY22
Presentation Q3FY21
Presentation Q3FY20
Presentation Q2FY24
Presentation Q2FY22
Presentation Q2FY21
Presentation Q1FY24
Presentation Q1FY22
Presentation Q1FY21
Presentation Q1FY20

Company News

MAS Financial Serv Stock Price Analysis and Quick Research Report. Is MAS Financial Serv an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

MAS Financial Serv stock price today is Rs 290.4. To understand the functions of the MAS Financial Serv better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 247.75 Cr and the compounded growth of profit in the past 3 years is 19.9637695217226 %. The PAT margin of MAS Financial Serv is 20.3549 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In MAS Financial Serv , the EPS grew by 23.275 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of MAS Financial Serv is at 15.1312 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of MAS Financial Serv is worth at the current levels at Rs 290.4. The stock is trading at a current P/E ratio of 18.8217 and the average historical P/E for the last 5 years was 21.8081178655426.

  • Share Price: - The current share price of MAS Financial Serv is Rs 290.4. One can use valuation calculators of ticker to know if MAS Financial Serv share price is undervalued or overvalued.

  • P/B ratio can be one of the best metrics to value such companies. Currently, MAS Financial Serv is trading at a P/B of 2.0336 . The average historical P/B for the last 5 years was 2.92971255536131. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Last Updated on:
Brief about MAS Financial Serv
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