Fact based stock research
Mahindra & Mahindra Financial Services (NSEI:M&MFIN)

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

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Mahindra & Mahindra Financial Services stock research in summary

mahindrafinance.com

ANALYSIS: With an Obermatt Combined Rank of 40 (worse than 60% compared with investment alternatives), Mahindra & Mahindra Financial Services (Consumer Finance, India) shares have somewhat below-average financial characteristics compared with similar stocks. Shares of Mahindra & Mahindra Financial Services are a good value (attractively priced) with a consolidated Value Rank of 50 (better than 50% of alternatives) but show below-average growth (Growth Rank of 47), and are riskily financed (Safety Rank of 41), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 40, is a hold recommendation based on Mahindra & Mahindra Financial Services's financial characteristics. As the company Mahindra & Mahindra Financial Services's key financial metrics exhibit good value (Obermatt Value Rank of 50) but low growth (Obermatt Growth Rank of 47) and risky financing practices (Obermatt Safety Rank of 41), it may be a risky investment, because debt in times of crises can make things worse. The good value, better than 50% of comparable companies, may indicate the company's future is challenging. If you believe that low growth is temporary or just due to a specific current event, you may conclude that the good value of the stock provides an attractive investment opportunity. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	50
Growth Rank	47
Safety Rank	41
Combined Rank	40

Country	India
Industry	Consumer Finance
Index	Good Governace Growth Markets, Independent Boards Growth Markets
Size class	Large

14-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Mahindra & Mahindra Financial Services

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	43	47	51	50
GROWTH
GROWTH	31	43	59	47
SAFETY
SAFETY	66	21	19	41
SENTIMENT
SENTIMENT	41	3	23	^new
360° VIEW
360° VIEW	27	1	17	^new

Most recent update of the stock research: 14-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Mahindra & Mahindra Financial Services is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	43	47	51	50
GROWTH
GROWTH	31	43	59	47
SAFETY
SAFETY	66	21	19	41
COMBINED
COMBINED	45	12	28	40

Last update of combined financial performance: 14-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Mahindra & Mahindra Financial Services the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 50 (better than 50% compared with alternatives), Mahindra & Mahindra Financial Services shares are more attractively priced than the majority of comparable stocks. The Value Rank is based on consolidating four value indicators, with three out of four indicators below average for Mahindra & Mahindra Financial Services. Only Price-to-Profit (also referred to as price-earnings, P/E) indicates good stock value with a rank of 51, which means that the stock price compared with what market professionals expect for future profits is lower than for 51% of comparable companies, indicating a good value concerning Mahindra & Mahindra Financial Services's profit levels. But Price-to-Sales is 49 which means that the stock price compared with what market professionals expect for future profits is higher than for 51% of comparable companies, indicating a low value concerning Mahindra & Mahindra Financial Services's profit levels. The same is valid for Price-to-Book Capital (also referred to as market-to-book ratio) with a Price-to-Book Rank of 46 and for dividend yield, which is lower than for 52% of comparable companies, making the stock more expensive as regards to the company's expected dividend payouts. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 50, is a buy recommendation based on Mahindra & Mahindra Financial Services's stock price compared with the company's operational size and dividend yields. Can we rely on only one good value indicator? Only if we know the company well. In this case, a high Price-to-Profit Rank, while Price-to-Sales and Price-to-Book are both below the market typical levels, means that the company can charge higher prices for its products and needs less capital to produce them. If this is sustainable, then Mahindra & Mahindra Financial Services is a good investment because profits count most in enterprise valuations. The low dividend yield indicates that the company is confident it can do something with the generated cash that is more valuable than paying the profits out to the shareholders in the form of dividends. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	43	41	45	49
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	53	35	45	51
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	48	43	44	46
DIVIDEND YIELD
DIVIDEND YIELD	36	42	48	48
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	43	47	51	50

Last update of Value Rank: 14-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Mahindra & Mahindra Financial Services; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 47 (better than 47% compared with alternatives), Mahindra & Mahindra Financial Services shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for Mahindra & Mahindra Financial Services. Sales Growth has a value of 70 which means that currently professionals expect the company to grow more than 70% of its competitors. Profit Growth with a value of 62 and Capital Growth with a rank of 51 means that currently, professionals expect the company to grow both profits and invested capital more than of its competitors. But Stock Returns has only a rank of 25, which means that stock returns have recently been below 75% of alternative investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 47, is a hold recommendation for growth and momentum investors. Mahindra & Mahindra Financial Services has only one below-average growth indicator, the stock returns. This is probably the least reliable growth indicator, because it measures company and investor expectations at the same time. The three other growth indicators, which are all positive for Mahindra & Mahindra Financial Services, are more reliable measures of growth momentum. For this reason, the company seems to be on a good trajectory, unless you think the current period is not representative, because of unique events that will not be repeated in the future. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	44	92	79	70
PROFIT GROWTH
PROFIT GROWTH	98	8	94	62
CAPITAL GROWTH
CAPITAL GROWTH	16	46	16	51
STOCK RETURNS
STOCK RETURNS	11	53	37	25
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	31	43	59	47

Last update of Growth Rank: 14-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Mahindra & Mahindra Financial Services.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 41 (better than 41% compared with alternatives), the company Mahindra & Mahindra Financial Services has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Mahindra & Mahindra Financial Services is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Mahindra & Mahindra Financial Services and the other two below average. Refinancing is at 86, meaning the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 86% of its competitors. But Leverage is high with a rank of 16, meaning the company has an above-average debt-to-equity ratio. It has more debt than 84% of its competitors. Liquidity is also on the riskier side with a rank of 34, meaning the company generates less profit to service its debt than 66% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 41 (worse than 59% compared with alternatives), Mahindra & Mahindra Financial Services has a financing structure that is riskier than that of its competitors. A good Refinancing Rank means that the problems of the company may not be around the corner. But high Leverage is only good if things go well, and low Liquidity is a signal for caution. The financing signals for Mahindra & Mahindra Financial Services are on the riskier side, requiring the company's future to be on the safer side. Investors may want to look at Growth and Sentiment ranks before making an investment decision. In the long-term, investors may have a debt challenge with Mahindra & Mahindra Financial Services and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	28	16	16	16
REFINANCING
REFINANCING	69	56	69	86
LIQUIDITY
LIQUIDITY	74	55	26	34
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	66	21	19	41

Last update of Safety Rank: 14-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Mahindra & Mahindra Financial Services and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	23	21	^new
OPINIONS CHANGE
OPINIONS CHANGE	82	48	86	^new
PRO HOLDINGS
PRO HOLDINGS	34	29	33	^new
MARKET PULSE
MARKET PULSE	22	16	21	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	41	3	23	^new

Last update of Sentiment Rank: 14-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Mahindra & Mahindra Financial Services.
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