Is MAS Financial Services a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that MAS Financial Services Ltd is a good quality company .

Is MAS Financial Services undervalued or overvalued?

The key valuation ratios of MAS Financial Services Ltd's currently when compared to its past seem to suggest it is in the Undervalued zone .

What is MAS Financial Services share price return in the past 10 years?

Data is not available for this company

Is MAS Financial Services a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of MAS Financial Services Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

What is the P/E ratio of MAS Financial Services?

The latest standalone P/E ratio of MAS Financial Services as of 01-Nov-2024 is 19.09.

What is the P/B ratio of MAS Financial Services?

The latest standalone P/B ratio of MAS Financial Services as of 01-Nov-2024 is 2.21.

MAS Financial Services Ltd - Stock Valuation and Financial Performance

Name: MAS Financial Services
Brand: MAS Financial Services

BSE: 540749 | NSE: MASFIN | Finance Term Lending | Small Cap

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MAS Financial Serv Share Price

₹292.05 4.25 1.48%
as on 01-Nov'24 18:59

10 Year X-Ray of MAS Financial Serv:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	0	0	364	477	605	710	627	690	979	1,279	1,327
YoY Gr. Rt. %	-	NA	NA	31.1%	26.8%	17.4%	-11.6%	10%	41.8%	30.7%	-
Adj EPS (₹ )	0	0	5.1	6.4	9.4	10.2	8.8	9.7	12.4	15.3	15.5
YoY Gr. Rt. %	-	NA	NA	24.8%	47.2%	9.2%	-13.8%	10.3%	27.7%	23.5%	-
BVPS (₹ )	0	0	22	47.5	55.8	60.2	72	82.3	92.6	108.7	133.3
YoY Gr. Rt. %	-	NA	NA	116.2%	17.5%	7.8%	19.5%	14.4%	12.5%	17.4%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	0	0	3.1	4.1	4.3	3.6	2.7	2.6	2.8	2.9	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	NA	16.2%	26.8%	30.7%
Adj EPS	NA	10.4%	20.3%	23.5%
BVPS	NA	14.3%	14.8%	17.4%
Share Price	-	4.1%	5.3%	-4.1%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	0	0	19.1	22.1	25.6	23.7	23.2	23.4	21	19.9	21.2
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	0	0	24.5	19.8	18.3	17.7	13.4	12.7	14.4	15.4	11.6

Recent Performance Summary

Total Income has increased 26.80 CAGR in last 3 years

Net Profit has increased 20.27 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 12.80%

Latest Financials - MAS Financial Services Ltd.

	Standalone	Consolidated
TTM EPS (₹)	15.3	15.5
TTM Sales (₹ Cr.)	1,297	1,327
BVPS (₹.) ⓘ	132.3	133.3
Reserves (₹ Cr.) ⓘ	2,220	2,237
P/BV ⓘ	2.21	2.19
PE ⓘ	19.09	18.82

From the Market
52 Week Low / High (₹)	265.50 / 387.70
All Time Low / High (₹)	121.67 / 423.00
Market Cap (₹ Cr.)	5,297
Equity (₹ Cr.)	181.5
Face Value (₹)	10
Industry PE ⓘ	14

Management X-Ray of MAS Financial Serv:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

0.00

* Pledged shares as % of Promoter's holding (%)

Valuation of MAS Financial Serv

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of MAS Financial Serv

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	365	477	605	710	628	691	982	1,286
Interest Income	364	477	605	710	627	690	979	1,279
Other Income ⓘ	1	0	0	0	0	1	4	7
Expenditure ⓘ	259	309	367	480	432	475	711	947
Interest Expense ⓘ	165	187	225	299	286	340	500	656
Operating Expenses ⓘ	65	75	83	91	58	93	149	190
Provisions	29	47	59	90	87	42	61	100
Exceptional Items ⓘ	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	106	168	238	230	196	217	272	340
Taxes ⓘ	37	63	83	62	50	55	66	86
Profit After Tax	69	105	155	168	146	161	206	254
Adjusted EPS (₹)	5.1	6.4	9.4	10.2	8.8	9.7	12.4	15.3
Dividend Payout Ratio (%)	20%	19%	18%	26%	6%	10%	10%	23%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	332	779	916	987	1,180	1,350	1,519	1,783
Share Capital ⓘ	90	55	55	55	55	55	55	164
Reserves ⓘ	241	725	861	932	1,125	1,295	1,464	1,619
Minority Interest	14	12	19	19	20	23	26	36
Long Term Borrowings	613	1,012	1,755	2,083	2,420	3,142	4,785	6,301
Current Liabilities	1,271	1,147	1,496	1,988	2,057	2,114	1,733	1,497
Trade Payables	3	4	6	8	8	16	17	23
Short term borrowings	768	932	1,210	1,243	1,471	1,581	1,325	1,115
Other Liabilities	-771	-936	-1,216	-1,251	-1,480	-1,597	-1,341	-1,138
Total Liabilities ⓘ	2,231	2,950	4,185	5,077	5,677	6,629	8,064	9,617
Assets
Non Current Asset	901	2,807	3,670	3,665	4,290	5,307	6,634	8,032
Loan Asset	738	2,746	3,483	3,602	4,063	4,800	6,246	7,719
Other Non Current Asset ⓘ	163	61	187	63	227	507	387	312
Current Asset	1,328	143	515	1,413	1,387	1,322	1,430	1,585
Current Investment	0	0	0	5	37	52	478	509
Other Current Asset	1,328	143	515	1,408	1,350	1,270	951	1,075
Total Assets ⓘ	2,231	2,950	4,185	5,077	5,677	6,629	8,064	9,617

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-164	-386	-468	196	-578	-805	-1,426	-1,366
Cash Flow From Investing Activity ⓘ	-4	-49	14	4	-199	-820	-304	50
Cash Flow From Financing Activity ⓘ	34	438	802	448	719	923	1,684	1,290
Net Cash Flow ⓘ	-134	3	348	648	-59	-702	-46	-26

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	15	19	28	31	26	29	37	15
DPS (₹)	3	4	5	8	2	3	4	4
BVPS (₹)	66	143	167	181	216	247	278	109
Performance Ratios
ROA (%)	3.1	4.1	4.3	3.6	2.7	2.6	2.8	2.9
ROE (%)	24.5	19.8	18.3	17.7	13.4	12.7	14.4	15.4
ROCE (%)	16.5	18.3	17.1	15.2	11.4	10.6	11.5	11.8
Valuation Parameters
Price/Book(x)	0.0	4.2	3.4	2.9	4.0	2.2	2.9	2.6

MAS Financial Services Ltd Stock News

MAS Financial Services Ltd FAQs

What is the share price of MAS Financial Serv?

Company share prices are keep on changing according to the market conditions. The closing price of MAS Financial Serv on 01-Nov-2024 18:59 is ₹292.1.

What is the market cap of MAS Financial Serv?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 01-Nov-2024 18:59 the market cap of MAS Financial Serv stood at ₹5,296.6.

What is the P/E ratio of MAS Financial Serv?

The latest P/E ratio of MAS Financial Serv as of 01-Nov-2024 18:59 is 19.09.

What is the P/B ratio of MAS Financial Serv?

The latest P/B ratio of MAS Financial Serv as of 01-Nov-2024 18:59 is 2.21.

What is the 52-week high and low of MAS Financial Serv?

The 52-week high of MAS Financial Serv is ₹387.7 and the 52-week low is ₹265.5.

What is the TTM revenue of MAS Financial Serv?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of MAS Financial Serv is ₹1,297 ( Cr.) .

About MAS Financial Services Ltd

Having incepted back in 1995, MAS delivered financing solutions to those who needed it the most. The company is registered as non-banking financial company with the Reserve Bank of India.

With a plethora of retail finance options in its arsenal, MAS is focused on fulfilling the requirements of lower income and middle-income groups of the society. It offers Financial Services for Micro Enterprises Loans, SME Loans, Home Loans, Two Wheeler Loans, Used Car Loans, and Commercial Vehicle Loans to satisfy their varied needs. The focus remains on the vast lower income and middle income groups of the society, spread across urban, semi urban and rural areas, and including formal and informal sector.

Business of area of the company:

MAS Financial Services is registered as a systematically important non deposit taking non-banking finance Company (NBFC) with Reserve Bank of India (RBI). The company is engaged in the business of providing Micro Enterprise loans (MEL), Small and Medium Enterprise loans (SME), Two Wheeler loans (TW), Commercial Vehicle loans (CV) and loans to NBFCs - to create the underlying assets of MEL, SME, TW and CV.

Products:

Micro Enterprise Loan (MEL)
Salaried Personal Loan (SPL)
Two Wheeler Loan
Small & Medium Enterprises Loan (SME)
Machinery Loan
Industrial Shed Loan
Working Capital Loan
Loans against Property (LAP)
Commercial Vehicles Loan
Used Car Loan
Tractor Loan
Partnership with NBFC-MFI, HFCs and MFIS
Housing Loan

Milestones

1995: On incorporation, commenced retail finance operations with Two-wheeler and Micro-Enterprise loans.
2006: Received first round of capital infusion of Rs 65 million from Bellwether Micro Fund
2008: Acquired second and third round of capital infusion worth Rs 435 million and Rs 400 million from FMO and ICICI Venture, respectively.
2008: Floated the housing finance subsidiary.
2011: Listing of NCDs on Bombay Stock Exchange
2012: Received the fourth round of capital infusion of Rs 650 million from DEG
2013: Disbursement and AUM crossed Rs 10 billion
2014: Sarva Capital purchased 50% CCPS held by FMO in secondary deal
2015: Raised subordinate debentures of Rs 200 Million
2016: Bank loan rating was upgraded to ‘IND A’ with ‘Stable outlook’
2016: Raised subordinate debentures of Rs 400 million
2017: AUM crossed Rs 30 billion
2017: Motilal Oswal infused capital of Rs1,000 million
2018: Listing of Equity Shares on Bombay Stock Exchange & National Stock Exchange
2018: Received additional capital infusion of Rs 350 million from Motilal Oswal
2018: Raised fresh capital of Rs 2,330 million through an IP
2020: Completed 25th Year of Endeavours
2020: AUM crossed Rs 60 billion on a consolidated basis