MAS Financial Services Ltd

MAS FINANC SER Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

MAS Financial Services Ltd

₹ 279 0.61%
22 Nov - close price
mas.co.in BSE: 540749 NSE: MASFIN
About

MAS Financial Services Limited is a non-deposit taking NBFC registered with the RBI. It is engaged in offering retail financing products for MSMEs, home loans, two-wheeler loans, used car loans and commercial vehicle loans. [1]

Key Points

AUM 9MFY24
Consolidated AUM : Rs. 10,216 crs.
Standalone : Rs. 9,672 crs.
AUM Mix
MEL : 45%
SME : 36%
2W loans : 7%
CV : 7%
Salaried PL : 5%[1]

Website BSE NSE
  • Market Cap ₹ 5,063 Cr.
  • Current Price ₹ 279
  • High / Low ₹ 388 / 266
  • Stock P/E 18.2
  • Book Value ₹ 132
  • Dividend Yield 0.54 %
  • ROCE 11.7 %
  • ROE 15.1 %
  • Face Value ₹ 10.0
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Pros

  • Company's median sales growth is 27.0% of last 10 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last 3 years: -6.97%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Revenue 156 171 183 197 230 251 267 279 294 318 329 346 365
Interest 76 83 91 93 111 128 144 143 146 164 162 171 175
29 34 33 43 53 56 53 61 69 71 77 80 88
Financing Profit 52 54 60 61 66 68 70 75 79 83 91 95 101
Financing Margin % 33% 31% 33% 31% 29% 27% 26% 27% 27% 26% 28% 27% 28%
0 0 0 1 0 1 1 2 2 2 1 1 2
Depreciation 0 0 0 1 1 1 1 1 1 1 1 1 1
Profit before tax 52 54 60 62 65 68 70 76 80 85 91 94 102
Tax % 26% 26% 25% 25% 25% 25% 21% 24% 25% 26% 25% 25% 25%
38 40 45 46 49 51 56 57 60 62 68 70 77
EPS in Rs 2.34 2.45 2.74 2.81 2.97 3.08 3.39 3.49 3.66 3.81 4.15 3.88 4.22
Gross NPA % 2.15% 2.13% 2.23% 2.25% 2.29%
Net NPA % 1.52% 1.47% 1.48% 1.51% 1.52%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 139 178 226 294 341 451 572 672 594 656 939 1,223 1,359
Interest 56 77 107 136 152 171 205 275 266 321 476 617 672
42 53 60 76 85 111 130 164 129 123 196 272 316
Financing Profit 40 48 60 82 104 168 237 234 198 212 267 334 370
Financing Margin % 29% 27% 26% 28% 30% 37% 41% 35% 33% 32% 28% 27% 27%
0 0 0 0 0 -2 -2 -3 -3 1 1 1 6
Depreciation 1 1 1 1 1 1 1 2 2 2 2 4 4
Profit before tax 40 48 59 82 103 165 234 228 193 211 265 331 372
Tax % 32% 34% 34% 35% 35% 37% 35% 27% 26% 25% 24% 25%
27 32 39 53 67 103 152 167 144 158 201 248 277
EPS in Rs 8.95 6.60 8.09 11.12 5.23 6.31 9.28 10.16 8.75 9.61 12.25 15.11 16.06
Dividend Payout % 13% 18% 20% 20% 20% 19% 18% 26% 6% 10% 10% 23%
Compounded Sales Growth
10 Years: 21%
5 Years: 16%
3 Years: 27%
TTM: 25%
Compounded Profit Growth
10 Years: 23%
5 Years: 10%
3 Years: 19%
TTM: 24%
Stock Price CAGR
10 Years: %
5 Years: 3%
3 Years: 6%
1 Year: -2%
Return on Equity
10 Years: 16%
5 Years: 15%
3 Years: 14%
Last Year: 15%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 10 16 16 16 43 55 55 55 55 55 55 164 181
Reserves 44 60 85 118 237 719 855 926 1,118 1,286 1,451 1,605 2,220
583 770 1,053 1,287 1,164 1,285 2,020 2,580 3,294 4,232 5,838 7,049 7,748
135 232 333 392 581 639 774 1,011 711 492 335 291 374
Total Liabilities 772 1,078 1,488 1,814 2,024 2,698 3,704 4,572 5,178 6,064 7,678 9,109 10,524
6 6 4 6 7 57 12 13 11 13 16 22 23
CWIP 0 0 0 0 0 0 46 48 50 52 58 70 81
Investments 11 11 11 11 11 13 22 38 235 538 826 788 961
755 1,061 1,472 1,797 2,006 2,628 3,624 4,473 4,881 5,461 6,778 8,229 9,460
Total Assets 772 1,078 1,488 1,814 2,024 2,698 3,704 4,572 5,178 6,064 7,678 9,109 10,524

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-63 -161 -240 -243 -134 -366 -400 189 -575 -820 -1,342 -1,283
4 0 -2 -1 -4 -49 4 -7 -200 -809 -292 26
106 177 277 206 -1 417 713 487 715 935 1,601 1,197
Net Cash Flow 48 16 35 -38 -139 2 318 669 -60 -694 -33 -60

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 56% 49% 44% 45% 33% 20% 18% 18% 14% 13% 14% 15%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
73.62% 73.64% 73.71% 73.72% 73.72% 73.72% 73.72% 73.72% 73.72% 73.72% 66.63% 66.63%
1.62% 1.53% 1.54% 1.54% 1.53% 1.59% 1.59% 2.01% 1.63% 1.79% 3.58% 2.72%
9.95% 9.46% 9.39% 10.21% 11.04% 11.01% 10.58% 8.57% 8.43% 14.42% 20.41% 20.23%
14.81% 15.37% 15.36% 14.53% 13.70% 13.68% 14.10% 15.69% 16.21% 10.06% 9.38% 10.41%
No. of Shareholders 27,73430,49729,68125,81625,76124,76723,83728,99931,51444,54445,41550,510

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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