MASFIN - MAS Financial Services Limited Share Price

Finance

Sharesguru Stock Score

MASFIN

68/100

High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years

₹308.95+2.75(+0.90%)

Market Closed as of May 29, 2026, 15:30 IST

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Pros

Smart Money: Smart money has been increasing their position in the stock.

Size: Market Cap wise it is among the top 20% companies of india.

Technicals: Bullish SharesGuru indicator.

Growth: Awesome revenue growth! Revenue grew 25.1% over last year and 102% in last three years on TTM basis.

Profitability: Very strong Profitability. One year profit margin are 19%.

Cons

Momentum: Stock has a weak negative price momentum.

Valuation
Market Cap	5.61 kCr
Price/Earnings (Trailing)	15.02
Price/Sales (Trailing)	2.8
EV/EBITDA	3.79
Price/Free Cashflow	-3
MarketCap/EBT	11.1
Enterprise Value	5.38 kCr

Fundamentals
Revenue (TTM)	2 kCr
Rev. Growth (Yr)	24.2%
Earnings (TTM)	375.82 Cr
Earnings Growth (Yr)	25.3%

Profitability
Operating Margin	25%
EBT Margin	25%
Return on Equity	12.38%
Return on Assets	2.73%
Free Cashflow Yield	-33.29%

Growth & Returns
Price Change 1W	0.40%
Price Change 1M	-5.2%
Price Change 6M	0.00%
Price Change 1Y	6%
3Y Cumulative Return	7.8%
5Y Cumulative Return	0.10%
7Y Cumulative Return	8.3%

Cash Flow & Liquidity
Cash Flow from Investing (TTM)	467.01 Cr
Cash Flow from Operations (TTM)	-1.79 kCr
Cash Flow from Financing (TTM)	1.09 kCr
Cash & Equivalents	223.66 Cr
Free Cash Flow (TTM)	-1.87 kCr
Free Cash Flow/Share (TTM)	-102.85

Balance Sheet
Total Assets	13.75 kCr
Total Liabilities	10.71 kCr
Shareholder Equity	3.04 kCr
Net PPE	64.61 Cr
Inventory	0.00
Goodwill	0.00

Capital Structure & Leverage
Debt Ratio	0.00
Debt/Equity	0.00
Interest Coverage	-0.44
Interest/Cashflow Ops	-0.97

Dividend & Shareholder Returns
Dividend/Share (TTM)	1.95
Dividend Yield	0.63%
Shares Dilution (1Y)	0.00%
Shares Dilution (3Y)	10.7%

Technical Indicators
RSI (14d)	14.91
RSI (5d)	23.33
RSI (21d)	42.09
MACD Signal	Sell
Stochastic Oscillator Signal	Buy
SharesGuru Signal	Sell
RSI Signal	Buy
RSI5 Signal	Buy
RSI21 Signal	Hold
SMA 5 Signal	Sell
SMA 10 Signal	Sell
SMA 20 Signal	Sell
SMA 50 Signal	Sell
SMA 100 Signal	Sell

Shareholder Name	Holding %
Shweta Kamlesh Gandhi	27.01%
Kamlesh Chimanlal Gandhi	26.71%
Nippon Life India Trustee Ltd-A/C Nippon India Small Cap Fund	8.03%
Business Excellence Trust Iii - India Business Excellence Fund Iii	4.6%
Bandhan Value Fund	3.94%
Prarthana Marketing Private Limited	2.18%
Bavaria Industries Group Ag	1.7%
Anamaya Capital Llp	0.17%
Dhvanil K Gandhi	0.06%
Dhriti Kamlesh Gandhi	0.02%
Prarthana M Gandhi	0%
Meena Yogeshbhai Shah	0%
Saryuben Mahendra Kumar Doshi	0%
Pooja Gandhi	0%
Pravinbhai L. Shah	0%
Jaybhai Shah	0%
Dimple Vora	0%
Estate of Mukesh Chimanlal Gandhi	0%
MAS Rural Housing & Mortgage Finance Limited	0%
MASfin Insurance Broking Private Limited	0%

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj Finance	5.65 LCr	82.53 kCr	-2.30%	-1.30%	29.67	6.85	-	-
SHRIRAMFIN	Shriram Finance	2.23 LCr	48.19 kCr	-1.00%	+45.20%	17.77	4.62	-	-
CHOLAFIN	Cholamandalam Investment and Finance Co.	1.31 LCr	31.54 kCr	-1.00%	-4.40%	24.83	4.15	-	-
M&MFIN	Mahindra & Mahindra Financial Services	42.21 kCr	21.09 kCr	-5.20%	+15.40%	14.6	2	-	-
CREDITACC	CreditAccess Grameen	20.75 kCr	6.06 kCr	+0.50%	+10.90%	26.66	3.42	-	-

Description	(%) Q/Q	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Total income	25.1%	2,002	1,600	1,286	990	691	628
Revenue From Operations	25%	1,995	1,596	1,279	988	690	627
Total interest earned	21.4%	1,649	1,359	1,077	843	602	517
Fees and commission income	32.5%	111	84	66	51	18	28
Other revenue from operations	56.8%	233	149	122	71	66	81
Other income	83.6%	6.84	4.18	6.52	2.43	0.93	0.73
Total Expenses	26.6%	1,492	1,179	946	719	475	432
Employee Expense	27.8%	171	134	100	71	48	35
Finance costs	18.9%	907	763	647	496	339	285
Depreciation and Amortization	35.7%	7.24	5.6	4.29	2.72	2.07	2.57
Fees and commission expenses	86.6%	126	68	49	57	23	6.24
Impairment on financial instruments	40.9%	180	128	91	53	35	78
Other expenses	26.2%	102	81	55	39	28	25
Profit Before exceptional items and Tax	21.2%	510	421	340	272	216	196
Exceptional items before tax	-	-4.82	0	0	0	0	0
Total profit before tax	20%	505	421	340	272	216	196
Current tax	27.1%	137	108	83	65	55	59
Deferred tax	-427.1%	-7.75	-0.66	2.81	1.07	0.01	-8.9
Tax expense	20.8%	129	107	86	66	55	50
Total profit (loss) for period	19.8%	376	314	254	206	161	146
Other comp. income net of taxes	-138.8%	-4.43	15	14	-18.42	-7.77	7.75
Total Comprehensive Income	12.8%	371	329	268	187	153	153
Reserve excluding revaluation reserves	-	0	0	1,619	-	-	1,125
Earnings Per Share, Basic	18.1%	20.46	17.48	15.31	12.393333	9.713333	8.803333
Earnings Per Share, Diluted	18.1%	20.46	17.48	15.31	12.393333	9.713333	8.803333
Debt equity ratio	-	-	-	-	-	-	-
Interest service coverage ratio	-	-	-	-	-	-	-

Description	(%) Q/Q	Mar-2026	Dec-2025	Sep-2025	Jun-2025	Mar-2025	Dec-2024
Total income	7.3%	545	508	482	467	439	410
Revenue From Operations	6.9%	542	507	480	466	438	410
Total interest earned	9.2%	450	412	398	389	372	351
Fees and commission income	-35.5%	21	32	28	30	24	21
Other revenue from operations	18.3%	72	61	55	45	41	37
Other income	3780%	2.94	1.05	2.1	0.75	1.48	0.66
Total Expenses	8%	406	376	359	351	327	302
Employee Expense	2.3%	46	45	40	39	36	34
Finance costs	1.7%	235	231	224	217	202	195
Depreciation and Amortization	26.6%	2	1.79	1.78	1.67	1.52	1.45
Fees and commission expenses	16.1%	37	32	31	26	22	18
Impairment on financial instruments	48.7%	59	40	38	43	44	33
Other expenses	12.5%	28	25	25	24	22	20
Profit Before exceptional items and Tax	5.3%	139	132	123	116	112	108
Exceptional items before tax	82.8%	0	-4.82	0	0	0	0
Total profit before tax	9.5%	139	127	123	116	112	108
Current tax	8.6%	39	36	31	32	31	28
Deferred tax	-59.5%	-3.88	-2.06	0.55	-2.36	-2.27	-0.61
Tax expense	3%	35	34	31	29	29	28
Total profit (loss) for period	12%	104	93	91	87	83	80
Other comp. income net of taxes	96.9%	0.29	-21.56	25	-8.3	3.14	11
Total Comprehensive Income	46.5%	105	72	117	78	87	92
Reserve excluding revaluation reserves	-	-	-	-	-	-	-
Earnings Per Share, Basic	15%	5.69	5.08	4.98	4.82	4.55	3.88
Earnings Per Share, Diluted	15%	5.69	5.08	4.98	4.82	4.55	3.88

Description	(%) Q/Q	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Total income	25%	1,900	1,520	1,225	949	657	594
Revenue From Operations	24.9%	1,895	1,517	1,217	946	656	592
Total interest earned	20.8%	1,558	1,290	1,022	807	569	483
Fees and commission income	32.1%	108	82	65	50	17	28
Other revenue from operations	59.2%	227	143	117	68	64	81
Other income	113.3%	5.82	3.26	7.42	3	1.51	1.71
Total Expenses	26.8%	1,407	1,110	893	684	446	401
Employee Expense	27.2%	146	115	87	62	42	30
Finance costs	19%	859	722	614	475	320	264
Depreciation and Amortization	37.3%	6.37	4.91	3.81	2.4	1.78	2.13
Fees and commission expenses	86.6%	126	68	49	57	23	6.24
Impairment on financial instruments	40%	176	126	90	53	34	75
Other expenses	26%	93	74	50	34	25	24
Profit Before exceptional items and Tax	20.3%	493	410	331	265	212	193
Exceptional items before tax	-	-4.24	0	0	0	0	0
Total profit before tax	19.3%	489	410	331	265	212	193
Current tax	26%	132	105	81	63	54	58
Deferred tax	-508.9%	-7.22	-0.35	2.95	1.11	0.12	-8.71
Tax expense	20.4%	125	104	84	64	54	49
Total profit (loss) for period	19%	364	306	248	201	158	144
Other comp. income net of taxes	-148.8%	-5.35	14	16	-19.45	-7.58	7.51
Total Comprehensive Income	11.9%	358	320	264	182	150	151
Reserve excluding revaluation reserves	-	0	0	-	-	-	1,118
Earnings Per Share, Basic	17.3%	20.04	17.23	15.11	12.253333	9.623333	8.75
Earnings Per Share, Diluted	17.3%	20.04	17.23	15.11	12.253333	9.623333	8.75
Debt equity ratio	-	-	-	-	-	-	-
Interest service coverage ratio	-	-	-	-	-	-	-

Description	(%) Q/Q	Mar-2026	Dec-2025	Sep-2025	Jun-2025	Mar-2025	Dec-2024
Total income	7.1%	516	482	459	444	417	390
Revenue From Operations	6.9%	514	481	456	443	417	390
Total interest earned	9%	424	389	376	369	353	333
Fees and commission income	-40%	19	31	27	30	24	21
Other revenue from operations	18.6%	71	60	53	43	40	36
Other income	263.1%	2.37	0.16	2.93	0.36	0.4	0.38
Total Expenses	8.2%	383	354	338	331	308	285
Employee Expense	0%	39	39	34	33	31	29
Finance costs	1.4%	222	219	212	206	191	185
Depreciation and Amortization	35.1%	1.77	1.57	1.56	1.47	1.34	1.27
Fees and commission expenses	16.1%	37	32	31	26	22	18
Impairment on financial instruments	50%	58	39	37	42	43	33
Other expenses	13.6%	26	23	23	22	20	19
Profit Before exceptional items and Tax	4.8%	133	127	120	112	109	105
Exceptional items before tax	80.9%	0	-4.24	0	0	0	0
Total profit before tax	8.2%	133	123	120	112	109	105
Current tax	5.9%	37	35	30	31	30	28
Deferred tax	-57.8%	-3.67	-1.96	0.61	-2.2	-1.91	-0.59
Tax expense	0%	33	33	31	29	28	27
Total profit (loss) for period	11.2%	100	90	90	84	81	78
Other comp. income net of taxes	79.6%	-3.54	-21.29	27	-7.14	3.03	14
Total Comprehensive Income	39.7%	96	69	116	77	84	92
Earnings Per Share, Basic	12.8%	5.49	4.98	4.94	4.62	4.46	4.31
Earnings Per Share, Diluted	12.8%	5.49	4.98	4.94	4.62	4.46	4.31

Category	MASFIN	Finance
PE	14.89	25.08
PS	2.77	5.25
Growth	25.1 %	19.2 %

Description	(%) Q/Q	Mar-2026	Sep-2025	Mar-2025	Sep-2024	Mar-2024	Sep-2023
Cash and cash equivalents	-59.9%	224	557	449	326	213	569
Trade receivables	2.9%	5.54	5.41	4.67	6.98	6.54	4.65
Loans	12.8%	11,118	9,858	9,174	8,564	7,719	6,800
Investments	-14.1%	972	1,131	1,526	908	726	794
Other financial assets	-	383	-	-	-	-	-
Other financial assets	31.3%	383	292	166	114	79	73
Total finanical assets	4%	13,483	12,959	12,012	10,846	-	-
Current tax assets (Net)	-62.2%	1.17	1.45	1.45	1.45	2.52	2.52
Property, plant and equipment	190.9%	65	23	21	21	21	19
Capital work-in-progress	17.9%	126	107	91	81	70	61
Total non-financial assets	46.1%	264	181	187	164	-	-
Total assets	4.6%	13,747	13,140	12,199	11,010	9,547	8,949
Equity share capital	0%	181	181	181	181	164	55
Non controlling interest	48.8%	62	42	41	-	36	27
Total equity	6.4%	3,036	2,853	2,650	2,457	1,819	1,672
Debt securities	4.3%	1,898	1,820	1,464	891	627	616
Borrowings	4.2%	8,111	7,786	7,388	6,973	6,497	6,097
Subordinated liabilities	0.7%	306	304	304	303	302	253
Total financial liabilities	4.2%	10,683	10,252	9,521	8,527	-	-
Current tax liabilities	-5.6%	18	19	11	8.65	4.7	2.28
Provisions	-82.8%	2.72	11	9.23	11	10	10
Total non financial liabilities	-23.5%	27	35	27	26	-	-
Total liabilities	4.1%	10,710	10,287	9,549	-	7,729	7,277
Total equity and liabilities	4.6%	13,747	13,140	12,199	11,010	9,547	8,949

Description	(%) Q/Q	Mar-2026	Sep-2025	Mar-2025	Sep-2024	Mar-2024	Sep-2023
Cash and cash equivalents	-61%	210	537	438	306	178	565
Trade receivables	-15.4%	4.47	5.1	4.66	6.66	6.52	4.63
Loans	12.6%	10,433	9,265	8,614	8,076	7,265	6,408
Investments	-12.1%	1,058	1,203	1,594	961	788	840
Other financial assets	-	380	-	-	-	-	-
Other financial assets	32.1%	380	288	163	110	76	71
Total finanical assets	3.7%	12,844	12,391	11,484	10,364	-	-
Current tax assets (Net)	-62.2%	1.17	1.45	1.45	1.45	2.52	2.52
Property, plant and equipment	205%	62	21	19	19	19	18
Capital work-in-progress	17.9%	126	107	91	81	70	61
Total non-financial assets	48%	257	174	181	160	-	-
Total assets	4.3%	13,101	12,565	11,664	10,524	9,109	8,562
Equity share capital	0%	181	181	181	181	164	55
Total equity	6%	2,953	2,787	2,586	2,401	1,769	1,631
Debt securities	4.3%	1,898	1,820	1,464	891	627	616
Borrowings	3.7%	7,559	7,290	6,934	6,554	6,120	5,761
Subordinated liabilities	0.7%	306	304	304	303	302	253
Total financial liabilities	3.9%	10,122	9,745	9,053	8,098	-	-
Current tax liabilities	0%	18	18	11	8.18	4.29	1.92
Provisions	-83.4%	2.66	11	9.2	11	10	10
Total non financial liabilities	-21.9%	26	33	26	25	-	-
Total liabilities	3.8%	10,149	9,778	9,079	-	7,340	6,931
Total equity and liabilities	4.3%	13,101	12,565	11,664	10,524	9,109	8,562

Description	(%) Q/Q	Mar-2026	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Finance costs	18.9%	907	763	647	496	339	-
Depreciation	35.7%	7.24	5.6	4.29	2.72	2.07	-
Impairment loss / reversal	40.9%	180	128	91	53	35	-
Unrealised forex losses/gains	-	-1.05	0	0	0	0	-
Dividend income	-	0.16	0	0	0	0	-
Adjustments for interest income	21.4%	1,649	1,359	1,077	843	602	-
Net Cashflows From Operations	-49.8%	-2,380.63	-1,588.88	-1,638.79	-1,727.83	-950.13	-
Interest paid	15%	897	780	699	485	355	-
Interest received	21.4%	1,620	1,335	1,052	786	568	-
Income taxes paid (refund)	30.3%	130	100	80	61	65	-
Net Cashflows From Operating Activities	-57.6%	-1,786.77	-1,133.48	-1,366.05	-1,487.95	-802.35	-
Proceeds from sales of PPE	-	0.01	0	0.11	0.24	0	-
Purchase of property, plant and equipment	216%	80	26	22	9.58	5.11	-
Purchase of intangible assets	292.2%	5.55	2.16	0.5	1.04	0.19	-
Purchase of intangible assets under development	606.3%	6.58	1.79	0.24	0.33	0.04	-
Interest received	-	0	0	0	39	25	-
Other inflows/outflows of cash	-	0	0	0	23	-550.47	-
Net Cashflows From Investing Activities	156.2%	467	-828.19	50	-242.04	-819.89	-
Proceeds from issuing shares	-99.2%	5	489	5	0.01	0	-
Proceeds from issuing debt etc	-	0	0	0	0	4	-
Proceeds from borrowings	10.4%	4,784	4,332	3,632	2,987	2,116	-
Repayments of borrowings	40.9%	3,658	2,596	2,320	1,284	1,182	-
Payments of lease liabilities	231.2%	1.21	0.84	0.54	0.28	0.52	-
Dividends paid	30.8%	35	27	27	19	15	-
Net Cashflows From Financing Activities	-50.2%	1,095	2,198	1,290	1,684	923	-
Net change in cash and cash eq.	-196.2%	-224.99	236	-26	-45.97	-699.55	-

MASFIN - MAS Financial Services Limited Share Price

MASFIN

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

MASFIN

MASFIN - MAS Financial Services Limited Share Price

MASFIN

Valuation

Fundamentals

Profitability

Price to Sales Ratio

Revenue (Last 12 mths)

Net Income (Last 12 mths)

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

MASFIN

Investor Care

Financial Health

Technical Indicators

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does MAS Financial Services Limited do?

Important Disclosure & Data Context

Valuation

Fundamentals

Profitability

Growth & Returns

Cash Flow & Liquidity

Balance Sheet

Capital Structure & Leverage

Dividend & Shareholder Returns

Investor Care

Financial Health

Technical Indicators

Share Holdings

Holding Pattern

Share Holding Details

Overall Distribution

Ownership Distribution

What does MAS Financial Services Limited do?

Important Disclosure & Data Context