MASFIN - MAS Financial Services Limited Share Price

Finance

Sharesguru Stock Score

MASFIN

70/100

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

₹310.15-1.40(-0.45%)

Market Closed as of Apr 9, 2026, 15:30 IST

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Pros

Momentum: Stock price has a strong positive momentum. Stock is up 3.6% in last 30 days.

Technicals: Bullish SharesGuru indicator.

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

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

Growth: Awesome revenue growth! Revenue grew 25.7% over last year and 111.2% in last three years on TTM basis.

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

Cons

Past Returns: In past three years, the stock has provided 7.8% return compared to 10.9% by NIFTY 50.

Valuation
Market Cap	5.66 kCr
Price/Earnings (Trailing)	16.06
Price/Sales (Trailing)	2.99
EV/EBITDA	3.76
Price/Free Cashflow	-4.71
MarketCap/EBT	11.85
Enterprise Value	5.1 kCr

Fundamentals
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%

Growth & Returns
Price Change 1W	6.4%
Price Change 1M	3.6%
Price Change 6M	2.4%
Price Change 1Y	22.4%
3Y Cumulative Return	7.8%
5Y Cumulative Return	2.9%
7Y Cumulative Return	6.3%

Cash Flow & Liquidity
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%

Technical Indicators
RSI (14d)	54.72
RSI (5d)	90.39
RSI (21d)	48.82
MACD Signal	Buy
Stochastic Oscillator Signal	Hold
SharesGuru Signal	Buy
RSI Signal	Hold
RSI5 Signal	Sell
RSI21 Signal	Hold
SMA 5 Signal	Buy
SMA 10 Signal	Buy
SMA 20 Signal	Buy
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	7.81%
Business Excellence Trust Iii - India Business Excellence Fund Iii	5.58%
Bandhan Value Fund	3.92%
Prarthana Marketing Private Limited	2.18%
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%

Ticker	Name	Mkt Cap	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
BAJFINANCE	Bajaj Finance	5.69 LCr	79.39 kCr	-2.40%	+3.70%	25.21	7.17	-	-
SHRIRAMFIN	Shriram Finance	1.93 LCr	47.12 kCr	+3.80%	+59.80%	21.08	4.09	-	-
CHOLAFIN	Cholamandalam Investment and Finance Co.	1.31 LCr	30.11 kCr	-1.70%	+6.30%	27.02	4.36	-	-
M&MFIN	Mahindra & Mahindra Financial Services	41.46 kCr	20.42 kCr	-14.30%	+15.20%	16.8	2.03	-	-
CREDITACC	CreditAccess Grameen	19.76 kCr	5.87 kCr	+6.90%	+23.80%	40.65	3.36	-	-

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	24.4%	1,600	1,286	990	691	628	722
Revenue From Operations	24.8%	1,596	1,279	988	690	627	722
Total interest earned	26.2%	1,359	1,077	843	602	517	597
Fees and commission income	27.7%	84	66	51	18	28	16
Other revenue from operations	22.3%	149	122	71	66	81	109
Other income	-42.4%	4.18	6.52	2.43	0.93	0.73	0.36
Total Expenses	24.7%	1,179	946	719	475	432	484
Employee Expense	34.3%	134	100	71	48	35	59
Finance costs	18%	763	647	496	339	285	296
Depreciation and Amortization	39.8%	5.6	4.29	2.72	2.07	2.57	2.85
Fees and commission expenses	39.6%	68	49	57	23	6.24	6.02
Impairment on financial instruments	41.1%	128	91	53	35	78	89
Other expenses	48.1%	81	55	39	28	25	31
Profit Before exceptional items and Tax	23.9%	421	340	272	216	196	239
Total profit before tax	23.9%	421	340	272	216	196	239
Current tax	30.5%	108	83	65	55	59	63
Deferred tax	-191.7%	-0.66	2.81	1.07	0.01	-8.9	-5.61
Tax expense	24.7%	107	86	66	55	50	57
Total profit (loss) for period	23.7%	314	254	206	161	146	181
Other comp. income net of taxes	7.7%	15	14	-18.42	-7.77	7.75	4.73
Total Comprehensive Income	22.8%	329	268	187	153	153	186
Reserve excluding revaluation reserves	-100.1%	0	1,619	-	-	1,125	-
Earnings Per Share, Basic	15.2%	17.48	15.31	12.393333	9.713333	8.803333	10.973333
Earnings Per Share, Diluted	15.2%	17.48	15.31	12.393333	9.713333	8.803333	10.973333
Debt equity ratio	-	-	-	-	-	-	-
Interest service coverage ratio	-	-	-	-	-	-	-

Description	(%) Q/Q	Dec-2025	Sep-2025	Jun-2025	Mar-2025	Dec-2024	Sep-2024
Total income	5.4%	508	482	467	439	410	386
Revenue From Operations	5.6%	507	480	466	438	410	384
Total interest earned	3.5%	412	398	389	372	351	325
Fees and commission income	14.8%	32	28	30	24	21	19
Other revenue from operations	11.1%	61	55	45	41	37	39
Other income	-95.5%	1.05	2.1	0.75	1.48	0.66	1.25
Total Expenses	4.7%	376	359	351	327	302	282
Employee Expense	12.8%	45	40	39	36	34	33
Finance costs	3.1%	231	224	217	202	195	185
Depreciation and Amortization	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

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Total income	24.1%	1,520	1,225	949	657	594	683
Revenue From Operations	24.7%	1,517	1,217	946	656	592	682
Total interest earned	26.2%	1,290	1,022	807	569	483	559
Fees and commission income	26.6%	82	65	50	17	28	16
Other revenue from operations	22.4%	143	117	68	64	81	107
Other income	-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	-	-	-	-	-	-	-

Description	(%) Q/Q	Dec-2025	Sep-2025	Jun-2025	Mar-2025	Dec-2024	Sep-2024
Total income	5%	482	459	444	417	390	367
Revenue From Operations	5.5%	481	456	443	417	390	365
Total interest earned	3.5%	389	376	369	353	333	308
Fees and commission income	15.4%	31	27	30	24	21	18
Other revenue from operations	13.5%	60	53	43	40	36	37
Other income	-143.5%	0.16	2.93	0.36	0.4	0.38	1.9
Total Expenses	4.7%	354	338	331	308	285	265
Employee Expense	15.2%	39	34	33	31	29	28
Finance costs	3.3%	219	212	206	191	185	175
Depreciation and Amortization	1.8%	1.57	1.56	1.47	1.34	1.27	1.19
Fees and commission expenses	3.3%	32	31	26	22	18	16
Impairment on financial instruments	5.6%	39	37	42	43	33	26
Other expenses	0%	23	23	22	20	19	18
Profit Before exceptional items and Tax	5.9%	127	120	112	109	105	102
Exceptional items before tax	-	-4.24	0	0	0	0	0
Total profit before tax	2.5%	123	120	112	109	105	102
Current tax	17.2%	35	30	31	30	28	24
Deferred tax	-659%	-1.96	0.61	-2.2	-1.91	-0.59	1.12
Tax expense	6.7%	33	31	29	28	27	26
Total profit (loss) for period	0%	90	90	84	81	78	77
Other comp. income net of taxes	-185.7%	-21.29	27	-7.14	3.03	14	4.09
Total Comprehensive Income	-40.9%	69	116	77	84	92	81
Earnings Per Share, Basic	1%	4.98	4.94	4.62	4.46	4.31	4.21
Earnings Per Share, Diluted	1%	4.98	4.94	4.62	4.46	4.31	4.21

Description	(%) Q/Q	Sep-2025	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023
Cash and cash equivalents	24.1%	557	449	326	213	569	239
Trade receivables	20.2%	5.41	4.67	6.98	6.54	4.65	4.3
Loans	7.5%	9,858	9,174	8,564	7,719	6,800	6,246
Investments	-25.9%	1,131	1,526	908	726	794	791
Other financial assets	76.4%	292	166	114	79	73	62
Total finanical assets	7.9%	12,959	12,012	10,846	-	-	-
Current tax assets (Net)	0%	1.45	1.45	1.45	2.52	2.52	2.52
Property, plant and equipment	10%	23	21	21	21	19	15
Capital work-in-progress	17.8%	107	91	81	70	61	58
Total non-financial assets	-3.2%	181	187	164	-	-	-
Total assets	7.7%	13,140	12,199	11,010	9,547	8,949	8,014
Equity share capital	0%	181	181	181	164	55	55
Non controlling interest	2.5%	42	41	-	36	27	26
Total equity	7.7%	2,853	2,650	2,457	1,819	1,672	1,545
Debt securities	24.3%	1,820	1,464	891	627	616	627
Borrowings	5.4%	7,786	7,388	6,973	6,497	6,097	5,248
Subordinated liabilities	0%	304	304	303	302	253	253
Total financial liabilities	7.7%	10,252	9,521	8,527	-	-	-
Current tax liabilities	80%	19	11	8.65	4.7	2.28	2.06
Provisions	21.5%	11	9.23	11	10	10	9.49
Total non financial liabilities	30.8%	35	27	26	-	-	-
Total liabilities	7.7%	10,287	9,549	-	7,729	7,277	6,469
Total equity and liabilities	7.7%	13,140	12,199	11,010	9,547	8,949	8,014

Description	(%) Q/Q	Sep-2025	Mar-2025	Sep-2024	Mar-2024	Sep-2023	Mar-2023
Cash and cash equivalents	22.7%	537	438	306	178	565	238
Trade receivables	12%	5.1	4.66	6.66	6.52	4.63	4.27
Loans	7.6%	9,265	8,614	8,076	7,265	6,408	5,910
Investments	-24.5%	1,203	1,594	961	788	840	826
Other financial assets	77.2%	288	163	110	76	71	60
Total finanical assets	7.9%	12,391	11,484	10,364	-	-	-
Current tax assets (Net)	0%	1.45	1.45	1.45	2.52	2.52	2.52
Property, plant and equipment	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

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	18%	763	647	496	339	-	-
Depreciation	39.8%	5.6	4.29	2.72	2.07	-	-
Impairment loss / reversal	41.1%	128	91	53	35	-	-
Adjustments for interest income	26.2%	1,359	1,077	843	602	-	-
Net Cashflows From Operations	3%	-1,588.88	-1,638.79	-1,727.83	-950.13	-	-
Interest paid	11.6%	780	699	485	355	-	-
Interest received	26.9%	1,335	1,052	786	568	-	-
Income taxes paid (refund)	25.3%	100	80	61	65	-	-
Net Cashflows From Operating Activities	17%	-1,133.48	-1,366.05	-1,487.95	-802.35	-	-
Proceeds from sales of PPE	-12.4%	0	0.11	0.24	0	-	-
Purchase of property, plant and equipment	19%	26	22	9.58	5.11	-	-
Purchase of intangible assets	332%	2.16	0.5	1.04	0.19	-	-
Purchase of intangible assets under development	203.9%	1.79	0.24	0.33	0.04	-	-
Interest received	-	0	0	39	25	-	-
Other inflows/outflows of cash	-	0	0	23	-550.47	-	-
Net Cashflows From Investing Activities	-1792.2%	-828.19	50	-242.04	-819.89	-	-
Proceeds from issuing shares	12100%	489	5	0.01	0	-	-
Proceeds from issuing debt etc	-	0	0	0	4	-	-
Proceeds from borrowings	19.3%	4,332	3,632	2,987	2,116	-	-
Repayments of borrowings	11.9%	2,596	2,320	1,284	1,182	-	-
Payments of lease liabilities	65.2%	0.84	0.54	0.28	0.52	-	-
Dividends paid	0%	27	27	19	15	-	-
Net Cashflows From Financing Activities	70.4%	2,198	1,290	1,684	923	-	-
Net change in cash and cash eq.	970.4%	236	-26	-45.97	-699.55	-	-

Description	(%) Q/Q	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021	Mar-2020
Finance costs	17.6%	722	614	475	320	-	-
Depreciation	39.1%	4.91	3.81	2.4	1.78	-	-
Impairment loss / reversal	40.4%	126	90	53	34	-	-
Unrealised forex losses/gains	-	0.48	0	0	0	-	-
Dividend income	0%	1.26	1.26	1.12	0.66	-	-
Adjustments for interest income	26.2%	1,290	1,022	807	569	-	-
Net Cashflows From Operations	4.8%	-1,464.88	-1,538.84	-1,634.2	-957.72	-	-
Dividends received	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	-	-

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