Shares of Mahindra and Mahindra Financial Services declined by 2.06% to Rs 261.75 in Thursday's session, amid a very bearish investor sentiment, according to Moneycontrol analysis on August 14, 2025. The stock is among the top losers on the Nifty Midcap 150.
Financial Snapshot
The financial performance of Mahindra and Mahindra Financial Services reveals the following trends based on consolidated figures:
Income Statement (Quarterly)
Here's a summary of the company's quarterly performance:
Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | |
---|---|---|---|---|---|
Sales | Rs 4,990 Crore | Rs 4,885 Crore | Rs 4,796 Crore | Rs 4,465 Crore | Rs 4,315 Crore |
Other Income | Rs 22 Crore | Rs 11 Crore | Rs 2 Crore | Rs 14 Crore | Rs 39 Crore |
Total Income | Rs 5,013 Crore | Rs 4,896 Crore | Rs 4,799 Crore | Rs 4,479 Crore | Rs 4,354 Crore |
Total Expenditure | Rs 2,050 Crore | Rs 2,085 Crore | Rs 1,407 Crore | Rs 1,908 Crore | Rs 1,752 Crore |
EBIT | Rs 2,963 Crore | Rs 2,811 Crore | Rs 3,392 Crore | Rs 2,570 Crore | Rs 2,602 Crore |
Interest | Rs 2,279 Crore | Rs 2,217 Crore | Rs 2,174 Crore | Rs 2,062 Crore | Rs 1,960 Crore |
Tax | Rs 174 Crore | Rs 153 Crore | Rs 315 Crore | Rs 132 Crore | Rs 164 Crore |
Net Profit | Rs 508 Crore | Rs 440 Crore | Rs 901 Crore | Rs 375 Crore | Rs 477 Crore |
Income Statement (Yearly)
The yearly performance is detailed below:
Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
---|---|---|---|---|---|
Sales | Rs 18,463 Crore | Rs 15,796 Crore | Rs 12,699 Crore | Rs 11,317 Crore | Rs 12,111 Crore |
Other Income | Rs 67 Crore | Rs 173 Crore | Rs 132 Crore | Rs 82 Crore | Rs 59 Crore |
Total Income | Rs 18,530 Crore | Rs 15,970 Crore | Rs 12,832 Crore | Rs 11,400 Crore | Rs 12,170 Crore |
Total Expenditure | Rs 7,153 Crore | Rs 6,479 Crore | Rs 4,977 Crore | Rs 5,478 Crore | Rs 5,968 Crore |
EBIT | Rs 11,377 Crore | Rs 9,491 Crore | Rs 7,854 Crore | Rs 5,921 Crore | Rs 6,202 Crore |
Interest | Rs 8,415 Crore | Rs 6,959 Crore | Rs 5,094 Crore | Rs 4,417 Crore | Rs 5,307 Crore |
Tax | Rs 766 Crore | Rs 645 Crore | Rs 732 Crore | Rs 399 Crore | Rs 153 Crore |
Net Profit | Rs 2,195 Crore | Rs 1,886 Crore | Rs 2,027 Crore | Rs 1,105 Crore | Rs 740 Crore |
Balance Sheet
Key figures from the balance sheet are as follows:
Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
---|---|---|---|---|---|
Share Capital | Rs 246 Crore | Rs 246 Crore | Rs 246 Crore | Rs 246 Crore | Rs 246 Crore |
Reserves & Surplus | Rs 21,282 Crore | Rs 19,655 Crore | Rs 18,273 Crore | Rs 16,606 Crore | Rs 15,479 Crore |
Current Liabilities | Rs 74,648 Crore | Rs 61,642 Crore | Rs 48,586 Crore | Rs 32,872 Crore | Rs 36,689 Crore |
Other Liabilities | Rs 47,926 Crore | Rs 42,170 Crore | Rs 37,978 Crore | Rs 34,082 Crore | Rs 33,185 Crore |
Total Liabilities | Rs 144,105 Crore | Rs 123,715 Crore | Rs 105,084 Crore | Rs 83,808 Crore | Rs 85,600 Crore |
Fixed Assets | Rs 1,273 Crore | Rs 1,113 Crore | Rs 873 Crore | Rs 473 Crore | Rs 410 Crore |
Current Assets | Rs 140,491 Crore | Rs 120,442 Crore | Rs 102,348 Crore | Rs 81,503 Crore | Rs 83,718 Crore |
Other Assets | Rs 2,341 Crore | Rs 2,159 Crore | Rs 1,863 Crore | Rs 1,830 Crore | Rs 1,471 Crore |
Total Assets | Rs 144,105 Crore | Rs 123,715 Crore | Rs 105,084 Crore | Rs 83,808 Crore | Rs 85,600 Crore |
Contingent Liabilities | Rs 1,918 Crore | Rs 2,284 Crore | Rs 3,220 Crore | Rs 2,439 Crore | Rs 2,190 Crore |
The cash flow data reveals the following trends:
Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
---|---|---|---|---|---|
Operating Activities | Rs -15,601 Crore | Rs -18,448 Crore | Rs -17,395 Crore | Rs 18 Crore | Rs 5,956 Crore |
Investing Activities | Rs -1,076 Crore | Rs 2,670 Crore | Rs -1,635 Crore | Rs 3,110 Crore | Rs -8,479 Crore |
Financing Activities | Rs 17,605 Crore | Rs 16,094 Crore | Rs 18,851 Crore | Rs -3,172 Crore | Rs 2,548 Crore |
Others | Rs 0 Crore | Rs 0 Crore | Rs 0 Crore | Rs 1 Crore | Rs 0 Crore |
Net Cash Flow | Rs 926 Crore | Rs 317 Crore | Rs -178 Crore | Rs -43 Crore | Rs 25 Crore |
Key financial ratios for Mahindra and Mahindra Financial Services:
Ratio | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
---|---|---|---|---|---|
Basic EPS (Rs.) | 18.32 | 15.66 | 16.81 | 9.23 | 6.99 |
Diluted EPS (Rs.) | 18.31 | 15.65 | 16.79 | 9.21 | 6.98 |
Book Value / Share (Rs.) | 174.34 | 161.82 | 151.60 | 138.18 | 128.86 |
Dividend/Share (Rs.) | 6.50 | 6.30 | 6.00 | 3.60 | 0.80 |
Face Value | 2 | 2 | 2 | 2 | 2 |
Gross Profit Margin (%) | 63.36 | 61.82 | 64.07 | 53.48 | 50.56 |
Operating Margin (%) | 61.62 | 60.08 | 62.29 | 52.14 | 49.32 |
Net Profit Margin (%) | 11.89 | 11.94 | 15.96 | 9.76 | 6.11 |
Return on Networth / Equity (%) | 10.50 | 9.69 | 11.16 | 6.72 | 4.90 |
ROCE (%) | 16.38 | 15.29 | 14.00 | 11.58 | 12.21 |
Return On Assets (%) | 1.56 | 1.56 | 1.97 | 1.35 | 0.90 |
Current Ratio (X) | 1.88 | 1.95 | 2.11 | 2.48 | 2.28 |
Quick Ratio (X) | 1.88 | 1.95 | 2.11 | 2.48 | 2.28 |
Debt to Equity (x) | 5.53 | 4.93 | 4.39 | 3.68 | 4.13 |
Interest Coverage Ratios (X) | 1.39 | 1.40 | 1.60 | 1.37 | 1.15 |
Asset Turnover Ratio (%) | 0.14 | 0.14 | 0.13 | 0.12 | 0.13 |
Inventory Turnover Ratio (X) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
3 Yr CAGR Sales (%) | 27.72 | 14.21 | 3.38 | 4.46 | 23.94 |
3 Yr CAGR Net Profit (%) | 40.94 | 59.60 | 39.64 | -22.08 | -20.96 |
P/E (x) | 15.45 | 17.80 | 13.78 | 17.24 | 28.46 |
P/B (x) | 1.62 | 1.73 | 1.54 | 1.16 | 1.55 |
EV/EBITDA (x) | 12.67 | 13.24 | 13.04 | 12.73 | 14.00 |
P/S (x) | 1.89 | 2.18 | 2.25 | 1.73 | 2.02 |
Mahindra and Mahindra Financial Services announced several corporate actions. On August 18, 2025, the company scheduled an Investor Conference for August 21, 2025. Additionally, on August 13, 2025, the company reaffirmed its Credit Ratings. Furthermore, on August 11, 2025, Mahindra Finance and ICICI Lombard entered a partnership for motor insurance distribution.
The company announced a final dividend of Rs 6.50 per share (325%) on April 22, 2025, with an effective date of July 15, 2025.
The company had a rights issue with ex-rights date of May 14, 2025, where existing ratio was 8 and offered ratio was 1 with face value of Rs 2 and premium of Rs 192.
A stock split was announced on December 21, 2012, with an ex-split date of February 15, 2013, where the old face value of Rs 10 was split into a new face value of Rs 2.
In conclusion, Mahindra and Mahindra Financial Services experienced a fall in share price. The last traded price of the stock was Rs 261.75.
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