Finance
Valuation | |
|---|---|
| Market Cap | 5.69 kCr |
| Price/Earnings (Trailing) | 16.14 |
| Price/Sales (Trailing) | 3 |
| EV/EBITDA | 3.78 |
| Price/Free Cashflow | -4.71 |
| MarketCap/EBT | 11.9 |
| Enterprise Value | 5.13 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -2.3% |
| Price Change 1M | -7.3% |
| Price Change 6M | 3.7% |
| Price Change 1Y | 23.2% |
| 3Y Cumulative Return | 4.4% |
| 5Y Cumulative Return | 0.80% |
| 7Y Cumulative Return | 7.6% |
Cash Flow & Liquidity |
|---|
| Revenue (TTM) |
| 1.9 kCr |
| Rev. Growth (Yr) | 23.7% |
| Earnings (TTM) | 354.75 Cr |
| Earnings Growth (Yr) | 16.1% |
Profitability | |
|---|---|
| Operating Margin | 25% |
| EBT Margin | 25% |
| Return on Equity | 12.43% |
| Return on Assets | 2.7% |
| Free Cashflow Yield | -21.22% |
| Cash Flow from Investing (TTM) | -828.19 Cr |
| Cash Flow from Operations (TTM) | -1.13 kCr |
| Cash Flow from Financing (TTM) | 2.2 kCr |
| Cash & Equivalents | 557.17 Cr |
| Free Cash Flow (TTM) | -1.16 kCr |
| Free Cash Flow/Share (TTM) | -63.88 |
Balance Sheet | |
|---|---|
| Total Assets | 13.14 kCr |
| Total Liabilities | 10.29 kCr |
| Shareholder Equity | 2.85 kCr |
| Net PPE | 23.32 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.45 |
| Interest/Cashflow Ops | -0.42 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 1.95 |
| Dividend Yield | 0.62% |
| Shares Dilution (1Y) | 0.00% |
| Shares Dilution (3Y) | 10.7% |
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.
Growth: Awesome revenue growth! Revenue grew 25.7% over last year and 111.2% in last three years on TTM basis.
Profitability: Very strong Profitability. One year profit margin are 19%.
Technicals: Bullish SharesGuru indicator.
Past Returns: Underperforming stock! In past three years, the stock has provided 4.4% return compared to 12.8% by NIFTY 50.
Momentum: Stock is suffering a negative price momentum. Stock is down -7.3% in last 30 days.
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.
Growth: Awesome revenue growth! Revenue grew 25.7% over last year and 111.2% in last three years on TTM basis.
Profitability: Very strong Profitability. One year profit margin are 19%.
Technicals: Bullish SharesGuru indicator.
Past Returns: Underperforming stock! In past three years, the stock has provided 4.4% return compared to 12.8% by NIFTY 50.
Momentum: Stock is suffering a negative price momentum. Stock is down -7.3% in last 30 days.
Investor Care | |
|---|---|
| Dividend Yield | 0.62% |
| Dividend/Share (TTM) | 1.95 |
| Shares Dilution (1Y) | 0.00% |
| Earnings/Share (TTM) | 19.43 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 49.38 |
| RSI (5d) | 42.82 |
| RSI (21d) | 44.8 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Sell |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of MAS Financial Services's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Understand MAS Financial Services ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| 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 | 7.81% |
| Business Excellence Trust Iii - India Business Excellence Fund Iii | 5.58% |
| Bandhan Value Fund | 3.92% |
| Prarthana Marketing Private Limited | 2.18% |
Detailed comparison of MAS Financial Services against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance | 6 LCr | 79.39 kCr | -1.30% | +13.40% | 26.58 | 7.56 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.87 LCr |
Comprehensive comparison against sector averages
MASFIN metrics compared to Finance
| Category | MASFIN | Finance |
|---|---|---|
| PE | 16.02 | 29.21 |
| PS | 2.98 | 5.72 |
| Growth | 25.7 % | 16.5 % |
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro enterprise, small and medium enterprise, two-wheeler, commercial vehicle, salaried personal, used car, tractor, and housing loans. MAS Financial Services Limited serves through distribution network of partner micro-finance institutions, non-banking finance companies, housing finance companies, and franchisees. The company was incorporated in 1995 and is based in Ahmedabad, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
MASFIN vs Finance (2021 - 2026)
| Bavaria Industries Group Ag | 1.39% |
| 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% |
| Rasikbhai Parekh | 0% |
| Milan Parekh | 0% |
| Shilpa Shah | 0% |
| Pravinbhai L. Shah | 0% |
| Jaybhai Shah | 0% |
| Dimple Vora | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 47.12 kCr |
| -1.10% |
| +73.60% |
| 20.4 |
| 3.96 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.45 LCr | 30.11 kCr | -4.60% | +24.10% | 29.91 | 4.83 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 52.17 kCr | 20.42 kCr | +0.20% | +25.80% | 21.14 | 2.55 | - | - |
| CREDITACC | CreditAccess Grameen | 20.66 kCr | 5.87 kCr | -2.80% | +20.90% | 42.52 | 3.52 | - | - |
| 1.3% |
| 1.79 |
| 1.78 |
| 1.67 |
| 1.52 |
| 1.45 |
| 1.36 |
| Fees and commission expenses | 3.3% | 32 | 31 | 26 | 22 | 18 | 16 |
| Impairment on financial instruments | 5.4% | 40 | 38 | 43 | 44 | 33 | 27 |
| Other expenses | 0% | 25 | 25 | 24 | 22 | 20 | 19 |
| Profit Before exceptional items and Tax | 7.4% | 132 | 123 | 116 | 112 | 108 | 104 |
| Exceptional items before tax | - | -4.82 | 0 | 0 | 0 | 0 | 0 |
| Total profit before tax | 3.3% | 127 | 123 | 116 | 112 | 108 | 104 |
| Current tax | 16.7% | 36 | 31 | 32 | 31 | 28 | 25 |
| Deferred tax | -580% | -2.06 | 0.55 | -2.36 | -2.27 | -0.61 | 1.13 |
| Tax expense | 10% | 34 | 31 | 29 | 29 | 28 | 26 |
| Total profit (loss) for period | 2.2% | 93 | 91 | 87 | 83 | 80 | 78 |
| Other comp. income net of taxes | -194% | -21.56 | 25 | -8.3 | 3.14 | 11 | -1.87 |
| Total Comprehensive Income | -38.8% | 72 | 117 | 78 | 87 | 92 | 76 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| Earnings Per Share, Basic | 2.5% | 5.08 | 4.98 | 4.82 | 4.55 | 3.88 | 4.73 |
| Earnings Per Share, Diluted | 2.5% | 5.08 | 4.98 | 4.82 | 4.55 | 3.88 | 4.73 |
| -64.8% |
| 3.26 |
| 7.42 |
| 3 |
| 1.51 |
| 1.71 |
| 0.72 |
| Total Expenses | 24.3% | 1,110 | 893 | 684 | 446 | 401 | 449 |
| Employee Expense | 32.6% | 115 | 87 | 62 | 42 | 30 | 52 |
| Finance costs | 17.6% | 722 | 614 | 475 | 320 | 264 | 272 |
| Depreciation and Amortization | 39.1% | 4.91 | 3.81 | 2.4 | 1.78 | 2.13 | 2.32 |
| Fees and commission expenses | 39.6% | 68 | 49 | 57 | 23 | 6.24 | 6.02 |
| Impairment on financial instruments | 40.4% | 126 | 90 | 53 | 34 | 75 | 87 |
| Other expenses | 49% | 74 | 50 | 34 | 25 | 24 | 29 |
| Profit Before exceptional items and Tax | 23.9% | 410 | 331 | 265 | 212 | 193 | 234 |
| Total profit before tax | 23.9% | 410 | 331 | 265 | 212 | 193 | 234 |
| Current tax | 30% | 105 | 81 | 63 | 54 | 58 | 62 |
| Deferred tax | -169.2% | -0.35 | 2.95 | 1.11 | 0.12 | -8.71 | -5.69 |
| Tax expense | 24.1% | 104 | 84 | 64 | 54 | 49 | 56 |
| Total profit (loss) for period | 23.5% | 306 | 248 | 201 | 158 | 144 | 178 |
| Other comp. income net of taxes | -13.3% | 14 | 16 | -19.45 | -7.58 | 7.51 | 4.7 |
| Total Comprehensive Income | 21.3% | 320 | 264 | 182 | 150 | 151 | 183 |
| Reserve excluding revaluation reserves | - | 0 | - | - | - | 1,118 | - |
| Earnings Per Share, Basic | 15% | 17.23 | 15.11 | 12.253333 | 9.623333 | 8.75 | 10.866667 |
| Earnings Per Share, Diluted | 15% | 17.23 | 15.11 | 12.253333 | 9.623333 | 8.75 | 10.866667 |
| Debt equity ratio | - | - | - | - | - | - | - |
| Interest service coverage ratio | - | - | - | - | - | - | - |
| 11.1% |
| 21 |
| 19 |
| 19 |
| 19 |
| 18 |
| 14 |
| Capital work-in-progress | 17.8% | 107 | 91 | 81 | 70 | 61 | 58 |
| Total non-financial assets | -3.9% | 174 | 181 | 160 | - | - | - |
| Total assets | 7.7% | 12,565 | 11,664 | 10,524 | 9,109 | 8,562 | 7,677 |
| Equity share capital | 0% | 181 | 181 | 181 | 164 | 55 | 55 |
| Total equity | 7.8% | 2,787 | 2,586 | 2,401 | 1,769 | 1,631 | 1,506 |
| Debt securities | 24.3% | 1,820 | 1,464 | 891 | 627 | 616 | 627 |
| Borrowings | 5.1% | 7,290 | 6,934 | 6,554 | 6,120 | 5,761 | 4,958 |
| Subordinated liabilities | 0% | 304 | 304 | 303 | 302 | 253 | 253 |
| Total financial liabilities | 7.6% | 9,745 | 9,053 | 8,098 | - | - | - |
| Current tax liabilities | 70% | 18 | 11 | 8.18 | 4.29 | 1.92 | 1.86 |
| Provisions | 22% | 11 | 9.2 | 11 | 10 | 10 | 9.48 |
| Total non financial liabilities | 28% | 33 | 26 | 25 | - | - | - |
| Total liabilities | 7.7% | 9,778 | 9,079 | - | 7,340 | 6,931 | 6,171 |
| Total equity and liabilities | 7.7% | 12,565 | 11,664 | 10,524 | 9,109 | 8,562 | 7,677 |
| 0% |
| 1.26 |
| 1.26 |
| 1.12 |
| 0.66 |
| - |
| - |
| Interest paid | 9.2% | 726 | 665 | 463 | 336 | - | - |
| Interest received | 27% | 1,267 | 998 | 750 | 535 | - | - |
| Income taxes paid (refund) | 24.7% | 97 | 78 | 59 | 64 | - | - |
| Net Cashflows From Operating Activities | 20.5% | -1,019.91 | -1,282.84 | -1,405.45 | -820.84 | - | - |
| Proceeds from sales of PPE | - | 0 | 0 | 0.24 | 0 | - | - |
| Purchase of property, plant and equipment | 47.4% | 29 | 20 | 9.17 | 4.99 | - | - |
| Proceeds from sales of investment property | - | 2,819 | 0 | 0 | 0 | - | - |
| Purchase of investment property | - | 3,625 | 0 | 0 | 0 | - | - |
| Purchase of intangible assets | - | 0 | 0 | 1.04 | 0.19 | - | - |
| Purchase of intangible assets under development | - | 0 | 0 | 0.3 | 0.04 | - | - |
| Interest received | - | 0 | 0 | 38 | 24 | - | - |
| Other inflows/outflows of cash | - | 0 | 0 | 26 | -524.95 | - | - |
| Net Cashflows From Investing Activities | -3443.6% | -834.91 | 26 | -228.54 | -805.31 | - | - |
| Proceeds from issuing shares | - | 484 | 0 | 0 | 0 | - | - |
| Proceeds from issuing debt etc | -100% | 0 | 3,637 | 386 | 400 | - | - |
| Proceeds from borrowings | - | 4,152 | 0 | 2,471 | 1,599 | - | - |
| Repayments of borrowings | 3.3% | 2,493 | 2,413 | 1,236 | 1,049 | - | - |
| Payments of lease liabilities | 58.2% | 0.77 | 0.45 | 0.22 | 0.42 | - | - |
| Dividends paid | 0% | 27 | 27 | 19 | 15 | - | - |
| Net Cashflows From Financing Activities | 76.8% | 2,115 | 1,197 | 1,601 | 935 | - | - |
| Net change in cash and cash eq. | 525.7% | 260 | -59.84 | -32.72 | -691.55 | - | - |