| Margins | NIM expanded 60bps for FY26; full-year steady-state margin seen at 7.1%. |
|---|---|
| Demand visibility | Strong momentum in tractor and used vehicle segments entering FY27. |
| Management confidence | High; citing business transformation, digital stack adoption, and structural margin improvements. |
Growth
Q4 PAT rose 55% YoY (₹873 Cr); full-year FY26 PAT grew 19% (₹2,782 Cr).
Outlook
Guided for 16-18% CAGR growth through 2031; targeting 15% ROE by leveraging debt-to-equity to 6:1.
Risks
Geopolitical crises, El Niño impacts on rural demand, and insurance commission regulatory shifts.
Earnings Call filed with NSE, NSE: M&MFIN. Summary written with AI assistance from the document.
Mahindra & Mahindra Financial Services Ltd: key numbers
- Share price
- ₹333.10
- Market cap
- ₹46,307 Cr
- Revenue (annual)
- ₹21,005 Cr
- Net profit (annual)
- ₹2,855 Cr
- P/E (TTM)
- 14.2×Sector 22.0×
- Promoter holding
- 52.49%+0.00% QoQ
- FII holding
- 9.53%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Mahindra & Mahindra Financial Services Ltd
All →Mahindra & Mahindra Financial Services Debt & Borrowing: ₹2,000 Cr
Mahindra & Mahindra Financial Services is issuing secured, rated, non-convertible debentures on a private placement basis worth Rs. 2,000 Crore. The issue includes a green shoe option.
- Value
- ₹2,000 Cr
Mahindra & Mahindra Financial Services Employee Stock Options
Mahindra & Mahindra Financial Services transferred 48,549 equity shares to employees following the exercise of vested stock options under their ESOP and RSU schemes.
Mahindra & Mahindra Financial Services Debt & Borrowing: ₹345 Cr
Mahindra & Mahindra Financial Services Ltd has successfully completed the full redemption of its Non-Convertible Debentures amounting to ₹345 Crore on their maturity date.
- Value
- ₹345.0 Cr
Mahindra & Mahindra Financial Services Other Announcement
Mahindra Finance notified a special window for transfer and dematerialisation of physical securities. The window runs from 5 February 2026 to 4 February 2027 per SEBI circular.
Mahindra & Mahindra Financial Services Credit Rating
M&M Financial Services received credit rating reaffirmations from CRISIL, India Ratings, and CARE. All ratings remain at AAA/Stable across debt instruments.
Mahindra & Mahindra Financial Services Employee Stock Options
Mahindra & Mahindra Financial Services has allotted 2.2 lakh equity shares to its Employees' Stock Option Trust. This action supports the company's existing employee benefit schemes.
- Value
- ₹0.04 Cr