| Revenue growth | 13% YoY (Standalone) |
|---|---|
| Margins | NIM at 7.3%; steady RoA expansion to 2.4% |
| Demand visibility | Strong momentum in PV, Tractor, and SME segments |
| Management confidence | High; citing 'profitable and disciplined growth' |
Growth
Standalone revenue grew 13% YoY to ₹4,972 Cr; PAT reached ₹899 Cr (70% YoY). Disbursements rose 22% to ₹15,564 Cr.
Outlook
Management targets F31 milestones: RoA of 2.2-2.5%, Credit Cost 1.3-1.7%, and GS2+GS3 under 10%.
Risks
Seasonal volatility in risk metrics noted; GS3 slightly increased sequentially to 3.5% from 3.4% in Q4FY26.
Last quarter's promises, checked
Delivered
- Guided Credit Cost 1.3-1.7% → delivered 1.5% (= BEAT)
- Guided mid-teen growth → delivered 22% disbursements (= BEAT)
- Guided GS2+GS3 record lows → delivered 8.18% (= BEAT)
Partly delivered
- Guided GS3 reduction → delivered 3.5% vs 3.4% sequentially (= PARTIAL)
Missed
- Guided NIM 7.1% steady-state → delivered 7.3% (= BEAT/MISS on conservativeness)
Investor Presentation 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.
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