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Mahindra & Mahindra Financial Services Limited (MMFSL) is a leading non-banking finance company in India, primarily serving rural and semi-urban markets. It provides financing for vehicles, tractors, and SMEs, along with housing finance and insurance broking.
The company recently completed a significant business transformation project named 'Udaan,' enhancing customer and dealer experience and operational efficiencies across channels. 95% of operations now utilize a new tech stack, improving acquisition and collections capabilities.
MMFSL has seen a substantial jump in profitability this quarter with a Return on Assets (ROA) of 2.5%, driven by improved asset quality, cost efficiencies, and enhanced fee income. ROA for the first 9 months of FY26 stands at 1.9%.
Asset quality continues to stabilize, with gross Stage 3 assets below 4% for eight consecutive quarters. Significant improvement in collections and credit cost management has bolstered financial stability and profitability.
Despite competitive pressures, MMFSL has maintained a robust growth outlook, capitalized on disbursement opportunities in the tractor and rural financing sectors, and remains well-capitalized with a strong Tier 1 ratio supporting future growth initiatives.
Finance
Non Banking Financial Company (NBFC)
39,642 Cr
High Risk
16.5
17.0
0.6
1.6
412.30
235.46
Sales CAGR
Profit CAGR
ROE
ROCE
Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.
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Mahindra & Mahindra Financial Services Ltd (M&MFIN) is currently trading at 286.75 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Mahindra & Mahindra Financial Services Limited (MMFSL) is a leading non-banking finance company in India, primarily serving rural and semi-urban markets. It provides financing for vehicles, tractors, and SMEs, along with housing finance and insurance broking. The company recently completed a significant business transformation project named 'Udaan,' enhancing customer and dealer experience and operational efficiencies across channels. 95% of operations now utilize a new tech stack, improving acquisition and collections capabilities. MMFSL has seen a substantial jump in profitability this quarter with a Return on Assets (ROA) of 2.5%, driven by improved asset quality, cost efficiencies, and enhanced fee income. ROA for the first 9 months of FY26 stands at 1.9%. Asset quality continues to stabilize, with gross Stage 3 assets below 4% for eight consecutive quarters. Significant improvement in collections and credit cost management has bolstered financial stability and profitability. Despite competitive pressures, MMFSL has maintained a robust growth outlook, capitalized on disbursement opportunities in the tractor and rural financing sectors, and remains well-capitalized with a strong Tier 1 ratio supporting future growth initiatives.
Over the past 52 weeks, Mahindra & Mahindra Financial Services Ltd has traded between a low of ₹235.46 and a high of ₹412.30. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Mahindra & Mahindra Financial Services Ltd has a market capitalization of approximately 39,641.98. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Mahindra & Mahindra Financial Services Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 16.54 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 39,641.98 Cr, Mahindra & Mahindra Financial Services Ltd is classified as a Mid Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Mahindra & Mahindra Financial Services Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Mahindra & Mahindra Financial Services Ltd is 16.54. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
The most significant positive is the increase in public capital expenditure to ₹12.2 lakh crore, which is expected to directly boost demand for commercial vehicle and construction equipment financing, a core business for the company.
Discovery themes featuring this stock
Business Update
Mahindra & Mahindra Financial Services reports Q4 FY26 disbursements ~Rs 17,180 crore (YoY +11%), FY26 disbursements ~Rs 61,100 crore (+6%), business assets ~Rs 1,33,800 crore (+12%), CE Q4 98%, Stage-3 3.4–3.5%, Stage-2 4.8–4.9%, liquidity >Rs 9,000 crore.
Operational Metrics Update
Mahindra & Mahindra Financial Services reports Q4 FY26 disbursements ~Rs 17,180 cr (+11% YoY), FY26 disbursements ~Rs 61,100 cr (+6% YoY excl. finance lease); business assets ~Rs 1,33,800 cr (+12%); CE Q4 98%/FY26 96%; Stage-3 3.4–3.5%; Stage-2 4.8–4.9%; liquidity >Rs 9,000 cr.
Senior Management Appointment
Mahindra & Mahindra Financial Services appointed Mr. Baneswar Banerjee as Business Head - Automotive Loans, effective 9 April 2026 (full-time); he brings 25+ years’ automotive experience and is an IIM Indore alumnus.
Change in Senior Management
Mahindra & Mahindra Financial Services appointed Mr. Baneswar Banerjee as Business Head – Automotive Loans, effective 9 Apr 2026; Board approved on 31 Mar 2026; Banerjee brings 25+ years’ automotive experience, incl. 20+ years at Mahindra.
| Symbol | Watchlist | Price | Market Cap | P/E | P/B | Div Yield (%) | ROE (%) | ROCE (%) | ROA (%) |
4541.10 | 50,331 Cr | 24.32 | 3.33 | 0.77 | 13.03 | 8.79 | 2.41 | ||
577.65 | 48,043 Cr | 21.13 | 2.62 | 0.50 | 13.75 | 8.99 | 2.00 | ||
1765.40 | 40,018 Cr | -1918.91 | 1.46 | 0.00 | 2.91 | 6.46 | 1.07 | ||
286.75 | 39,642 Cr | 16.54 | 1.60 | 2.02 | 9.96 | 8.32 | 1.59 | ||
419.80 | 35,655 Cr | 9.81 | 2.19 | 0.03 | 24.66 | 18.84 | 18.10 | ||
393.30 | 31,968 Cr | 90.38 | 3.24 | 0.00 | 2.21 | 5.04 | 0.74 | ||
255.45 | 21,622 Cr | 62.17 | 1.70 | 1.57 | 3.53 | 7.94 | 0.75 | ||
| Median: 7 Co. | — | 419.80 | 39,642 Cr | 21.13 | 2.19 | 0.50 | 9.96 | 8.32 | 1.59 |
