CompanyGraph
Mahindra & Mahindra Financial Services Limited
M&MFIN · NSE India · India
mahindrafinance.comFinancials as of FY2026
At a glance
- Depends onMidstream position: 5 outgoing, 6 incoming connections
- ScaleMarket cap is above the global median
- FinancialsLow earnings quality
- Interpretations2 currently firing — 2
Price is read as structure — trend, levels, range, peak and volatility drawn on the chart. It does not predict where price goes next.
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Sign inInterpretations
2 interpretations currently present — each is a set of fired observations whose alignment reads as one structural pattern. Click an observation to see the numbers behind it.
Screen for these patternsHow is this stock behaving?
Multi-Year Up-Close-Week Share With Profitability And Book-Value Growth
Three observations describe the present configuration: a high share of the trailing three years' weekly closes were higher than the prior week, the company has reported positive net income in each of the last five annual periods, and the book-value-increase-consistency composite over the trailing 5 years is elevated.
Reads
Close In Upper Portion Of Recent Range, Bollinger Bands, And RSI
Current close sits in the upper portion of the 14-week high-low range; current close sits in the upper portion of its 20-week Bollinger Bands; RSI sits above its 20-week recent mean (Bollinger %B applied to RSI).
Reads
An interpretation is present only while every observation it reads stays fired (score ≥ 70). It describes what the aligned readings show — never a verdict, never a prediction.
What the company actually pays, and whether its own cash supports it.
Dividends view
Yield
2.31%Above 5Y avg (1.70%)
Annual Rate
INR 7.50Paid annual
Payout Ratio
31.2%Sustainable
Paying Dividends
1 yr
Payback Period
51.4 yr
Last Ex-Dividend
Jul 13, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
450.49BINRvs all stocks (USD)
Trailing P/E
15.44xvs Credit Services peers
Revenue (TTM)
97.84BINRvs all stocks (USD)
Profit Margin
29.18%vs Credit Services peers
Beta
0.4080xvs all stocks
52-Week Change
23.34%vs all stocks
Market Capitalization
450.49BINRvs all stocks (USD)
Enterprise Value
1.57TINRvs all stocks (USD)
Trailing P/E
15.44xvs Credit Services peers
Forward P/E
11.56xvs Credit Services peers
PEG Ratio
-2.42xvs Credit Services peers
Price to Sales (TTM)
4.58xvs Credit Services peers
Price to Book (MRQ)
1.68xvs Credit Services peers
Enterprise to Revenue
16.08xvs Credit Services peers
Profit Margin
29.18%vs Credit Services peers
Operating Margin
45.45%vs Credit Services peers
Return on Assets (TTM)
1.89%vs Credit Services peers
Return on Equity (TTM)
11.86%vs Credit Services peers
Revenue (TTM)
97.84BINRvs all stocks (USD)
Revenue per Share (TTM)
71.56INRUpdated Jul 19, 2026Quarterly Revenue Growth
54.20%vs Credit Services peers
Gross Profit (TTM)
84.51BINRvs all stocks (USD)
EBITDA (TTM)
0.00INRvs all stocks (USD)
Net Income (TTM)
28.55BINRvs all stocks (USD)
Quarterly Earnings Growth (YoY)
105.20%vs Credit Services peers
Operating Cash Flow (TTM)
-127.72BINRvs all stocks (USD)
Levered Free Cash Flow (TTM)
28.55BINRvs all stocks (USD)
Trailing Annual Dividend Rate
7.50INRUpdated Jul 19, 2026Trailing Annual Dividend Yield
2.31%vs all stocks
5-Year Average Dividend Yield
1.70%vs all stocks
Payout Ratio
31.16%vs Credit Services peers
Minority Interest (Equity)
533.30MINRFY2026 · Mar 31, 2026Revenue
107.56BINRFY2026 · Mar 31, 2026Pre-tax Income
38.26BINRFY2026 · Mar 31, 2026Income Tax Expense
9.65BINRFY2026 · Mar 31, 2026Net Income
28.61BINRFY2026 · Mar 31, 2026Selling, General & Administrative
2.19BINRFY2026 · Mar 31, 2026Other Operating Expenses
12.54BINRFY2026 · Mar 31, 2026EPS (Basic)
20.88INRFY2026 · Mar 31, 2026EPS (Diluted)
20.86INRFY2026 · Mar 31, 2026Basic Shares Outstanding
1.37BSharesFY2026 · Mar 31, 2026Diluted Shares Outstanding
1.37BSharesFY2026 · Mar 31, 2026Net Income from Continuing Operations
38.89BINRFY2026 · Mar 31, 2026Minority Interests (P&L)
-65.80MINRFY2026 · Mar 31, 2026Operating Cash Flow
-60.02BINRFY2026 · Mar 31, 2026Free Cash Flow
-63.50BINRFY2026 · Mar 31, 2026Cash & Cash Equivalents (End of Period)
4.65BINRFY2026 · Mar 31, 2026Starting Profit (CF Statement)
38.89BINRFY2026 · Mar 31, 2026Stock-based Compensation
143.20MINRFY2026 · Mar 31, 2026Other Non-cash Items
-93.51BINRFY2026 · Mar 31, 2026Change in Accounts Receivable (CF)
-843.50MINRFY2026 · Mar 31, 2026Change in Other Assets/Liabilities
-4.70BINRFY2026 · Mar 31, 2026Capital Expenditures
-3.48BINRFY2026 · Mar 31, 2026Purchase of Investments
-510.04BINRFY2026 · Mar 31, 2026Sale of Investments
542.97BINRFY2026 · Mar 31, 2026Other Investing Activity
-30.23BINRFY2026 · Mar 31, 2026Net Investing Cash Flow
-786.20MINRFY2026 · Mar 31, 2026Long-term Debt Issuance
712.04BINRFY2026 · Mar 31, 2026Long-term Debt Payments
-649.67BINRFY2026 · Mar 31, 2026Common Dividends Paid
-9.03BINRFY2026 · Mar 31, 2026Other Financing Charges
24.49BINRFY2026 · Mar 31, 2026Net Financing Cash Flow
107.71BINRFY2026 · Mar 31, 2026Shares Outstanding
1.39BSharesUpdated Jul 19, 2026Float Shares
643.80MSharesUpdated Jul 19, 2026% Held by Insiders
53.65%vs all stocks
% Held by Institutions
37.16%vs all stocks
Total Cash (MRQ)
21.44BINRvs all stocks (USD)
Total Cash per Share (MRQ)
15.43INRUpdated Jul 19, 2026Total Debt (MRQ)
1.15TINRvs all stocks (USD)
Total Debt to Equity (MRQ)
4.30xvs Credit Services peers
Current Ratio (MRQ)
2.28xvs Credit Services peers
Book Value per Share (MRQ)
191.77INRUpdated Jul 19, 2026Total Assets
1.59TINRvs all stocks (USD)
Total Liabilities
1.32TINRFY2026 · Mar 31, 2026Cash
562.40MINRFY2026 · Mar 31, 2026Cash & Cash Equivalents
56.26BINRFY2026 · Mar 31, 2026Accounts Payable
11.42BINRFY2026 · Mar 31, 2026Long-term Debt
1.15TINRFY2026 · Mar 31, 2026Common Stock (Book)
2.78BINRFY2026 · Mar 31, 2026Retained Earnings
107.33BINRFY2026 · Mar 31, 2026Total Shareholders' Equity
266.92BINRvs all stocks (USD)
52-Week Low
246.35INRUpdated Jul 19, 202652-Week High
412.20INRUpdated Jul 19, 202652-Week Change
23.34%vs all stocks
Beta
0.4080xvs all stocks
50-Day MA
310.56INRUpdated Jul 19, 2026200-Day MA
331.83INRUpdated Jul 19, 2026Avg 10-Day Volume
2.90MSharesUpdated Jul 19, 2026Avg 30-Day Volume
3.62MSharesUpdated Jul 19, 2026Diluted EPS (TTM)
20.86INRUpdated Jul 19, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
Low earnings qualitySignificant
Earnings Quality Score: -1.93
Supply Chain
Midstream position: 5 outgoing, 6 incoming connectionsNotable
Outgoing: 5.00Incoming: 6.00
High connectivity hub: 11 industry connectionsNotable
Total Connections: 11.00
Scale
Market cap is above the global medianNotable
Market cap (USD): 4,719,789,545.688Global Median: 1,114,353,670.943
Revenue is above the global medianNotable
Revenue (USD): 1,025,052,911.436Global Median: 508,219,253.802
Levered free cash flow is above the global medianNotable
Levered free cash flow (USD): 299,069,108.1Global Median: 14,653,863.221
Coordination data is not yet available for this stock.
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