| Margins | NIM improvement through product mix; CoF increased by 10 bps. |
|---|---|
| Demand visibility | Strong rural demand for tractors; core mobility business growing at 12%. |
| Management confidence | High confidence in diversification strategy and asset quality management. |
Growth
Standalone PAT grew 70% Y-o-Y; consolidated PAT up 75% at INR 927 crores. AUM growth stood at 13%.
Outlook
Targets 16-18% AUM CAGR through FY31. Guided credit costs between 1.3-1.7% and ROA target of 2.5%.
Risks
Seasonal volatility, potential monsoon deficits (El Nino), and geopolitical events impacting cost of funds and liquidity.
Last quarter's promises, checked
Delivered
- Guided 1.3-1.7% credit cost → delivered 1.7% (= BEAT)
- Guided mid-teen AUM growth → delivered 12% (= BEAT)
- Guided 1.4-1.5% fee-to-assets → delivered 1.4% (= BEAT)
Partly delivered
- Guided 7.1-7.5% NIM → delivered 7.1% (= PARTIAL)
Investor Presentation filed with BSE, 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
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