540749 Stock Overview
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India.
MAS Financial Services Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹736.30|
|52 Week High||₹846.95|
|52 Week Low||₹469.05|
|1 Month Change||0.76%|
|3 Month Change||49.58%|
|1 Year Change||-4.15%|
|3 Year Change||5.07%|
|5 Year Change||n/a|
|Change since IPO||12.46%|
Recent News & Updates
|540749||IN Consumer Finance||IN Market|
Return vs Industry: 540749 matched the Indian Consumer Finance industry which returned -3.2% over the past year.
Return vs Market: 540749 underperformed the Indian Market which returned -0.6% over the past year.
|540749 Average Weekly Movement||5.2%|
|Consumer Finance Industry Average Movement||6.1%|
|Market Average Movement||5.9%|
|10% most volatile stocks in IN Market||9.2%|
|10% least volatile stocks in IN Market||3.8%|
Stable Share Price: 540749 is not significantly more volatile than the rest of Indian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 540749's weekly volatility (5%) has been stable over the past year.
About the Company
MAS Financial Services Limited, a non-banking finance company, provides retail financing services in India. The company offers micro enterprise, small and medium enterprise, two-wheeler, commercial vehicle, salaried personal, used car, tractor, and housing loans; and loans to micro finance institutions and non-banking financial companies. As of March 31, 2022, it operated approximately 4,438 customer locations through a network of 125 branches in cities/towns of Gujarat, Maharashtra, Rajasthan, Madhya Pradesh, Tamil Nadu, Karnataka, and Delhi NCR.
MAS Financial Services Fundamentals Summary
|540749 fundamental statistics|
Is 540749 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|540749 income statement (TTM)|
|Cost of Revenue||₹368.24m|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||30.85|
|Net Profit Margin||45.71%|
How did 540749 perform over the long term?See historical performance and comparison
0.5%Current Dividend Yield
Is 540749 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 1/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 540749?
Other financial metrics that can be useful for relative valuation.
|What is 540749's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does 540749's PE Ratio compare to its peers?
|540749 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
532900 Paisalo Digital
539844 Equitas Holdings
539874 Ujjivan Financial Services
531213 Manappuram Finance
540749 MAS Financial Services
Price-To-Earnings vs Peers: 540749 is expensive based on its Price-To-Earnings Ratio (23.9x) compared to the peer average (19.4x).
Price to Earnings Ratio vs Industry
How does 540749's PE Ratio compare vs other companies in the IN Consumer Finance Industry?
Price-To-Earnings vs Industry: 540749 is good value based on its Price-To-Earnings Ratio (23.9x) compared to the Indian Consumer Finance industry average (29x)
Price to Earnings Ratio vs Fair Ratio
What is 540749's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||23.9x|
|Fair PE Ratio||n/a|
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 540749's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of 540749 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 540749 (₹736.3) is trading above our estimate of fair value (₹199.16)
Significantly Below Fair Value: 540749 is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is MAS Financial Services forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as MAS Financial Services has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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How has MAS Financial Services performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 540749 has high quality earnings.
Growing Profit Margin: 540749's current net profit margins (45.7%) are lower than last year (51.3%).
Past Earnings Growth Analysis
Earnings Trend: 540749's earnings have grown by 10.6% per year over the past 5 years.
Accelerating Growth: 540749's earnings growth over the past year (17.3%) exceeds its 5-year average (10.6% per year).
Earnings vs Industry: 540749 earnings growth over the past year (17.3%) exceeded the Consumer Finance industry 14.6%.
Return on Equity
High ROE: 540749's Return on Equity (12.7%) is considered low.
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How is MAS Financial Services's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: 540749's short term assets (₹60.3B) exceed its short term liabilities (₹27.6B).
Long Term Liabilities: 540749's short term assets (₹60.3B) exceed its long term liabilities (₹22.2B).
Debt to Equity History and Analysis
Debt Level: 540749's net debt to equity ratio (287.3%) is considered high.
Reducing Debt: 540749's debt to equity ratio has reduced from 371.2% to 331.3% over the past 5 years.
Debt Coverage: 540749's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 540749's interest payments on its debt are well covered by EBIT.
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What is MAS Financial Services's current dividend yield, its reliability and sustainability?
Dividend Score 2/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
|MAS Financial Services Dividend Yield vs Market|
|Company (MAS Financial Services)||0.5%|
|Market Bottom 25% (IN)||0.4%|
|Market Top 25% (IN)||1.6%|
|Industry Average (Consumer Finance)||0.6%|
|Analyst forecast in 3 Years (MAS Financial Services)||n/a|
Notable Dividend: 540749's dividend (0.48%) is higher than the bottom 25% of dividend payers in the Indian market (0.36%).
High Dividend: 540749's dividend (0.48%) is low compared to the top 25% of dividend payers in the Indian market (1.63%).
Stability and Growth of Payments
Stable Dividend: 540749 has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: 540749's dividend payments have increased, but the company has only paid a dividend for 5 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (9.7%), 540749's dividend payments are thoroughly covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: 540749 is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Darshana Pandya (50 yo)
Ms. Darshana Saumil Pandya serves Whole-Time Director at MAS Financial Services Ltd. since July 31, 2019 and serves its Chief Executive Officer since November 06, 2019. Ms. Pandya served as Chief Operating...
CEO Compensation Analysis
|Darshana Pandya's Compensation vs MAS Financial Services Earnings|
|Date||Total Comp.||Salary||Company Earnings|
|Jun 30 2022||n/a||n/a|
|Mar 31 2022||₹4m||₹4m|
|Dec 31 2021||n/a||n/a|
|Sep 30 2021||n/a||n/a|
|Jun 30 2021||n/a||n/a|
|Mar 31 2021||₹3m||₹3m|
|Dec 31 2020||n/a||n/a|
|Sep 30 2020||n/a||n/a|
|Jun 30 2020||n/a||n/a|
|Mar 31 2020||₹3m||₹3m|
|Dec 31 2019||n/a||n/a|
|Sep 30 2019||n/a||n/a|
|Jun 30 2019||n/a||n/a|
|Mar 31 2019||₹3m||₹3m|
|Dec 31 2018||n/a||n/a|
|Sep 30 2018||n/a||n/a|
|Jun 30 2018||n/a||n/a|
|Mar 31 2018||₹2m||₹2m|
|Dec 31 2017||n/a||n/a|
|Sep 30 2017||n/a||n/a|
|Jun 30 2017||n/a||n/a|
|Mar 31 2017||n/a||n/a|
|Mar 31 2016||₹2m||n/a|
Compensation vs Market: Darshana's total compensation ($USD54.14K) is below average for companies of similar size in the Indian market ($USD302.84K).
Compensation vs Earnings: Darshana's compensation has increased by more than 20% in the past year.
Experienced Management: 540749's management team is seasoned and experienced (8.6 years average tenure).
Experienced Board: 540749's board of directors are seasoned and experienced ( 10.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
|29 Jun 22||Buy₹4,134,598||Kamlesh Gandhi||Individual||8,300||₹498.14|
|28 Jun 22||Buy₹3,409,594||Kamlesh Gandhi||Individual||6,855||₹497.39|
|24 Jun 22||Buy₹2,392,358||Kamlesh Gandhi||Individual||4,845||₹493.78|
|24 Jun 22||Buy₹499,743||Darshana Pandya||Individual||1,000||₹499.74|
|22 Jun 22||Buy₹2,466,848||Kamlesh Gandhi||Individual||5,000||₹493.37|
|21 Jun 22||Buy₹1,503,401||Darshana Pandya||Individual||3,012||₹499.14|
|12 May 22||Buy₹1,361,584||Kamlesh Gandhi||Individual||2,500||₹544.63|
|31 Mar 22||Buy₹2,711,767||Anamaya Capital LLP||Company||5,000||₹542.35|
|31 Mar 22||Buy₹4,003,140||Prarthana Marketing Private Limited||Company||7,500||₹533.75|
|30 Mar 22||Buy₹6,676,538||Kamlesh Gandhi||Individual||12,500||₹534.12|
|08 Mar 22||Buy₹1,055,000||Kamlesh Gandhi||Individual||2,000||₹527.50|
|24 Feb 22||Buy₹3,233,671||Kamlesh Gandhi||Individual||6,000||₹538.95|
|30 Nov 21||Buy₹2,554,206||Kamlesh Gandhi||Individual||3,675||₹695.02|
|25 Nov 21||Buy₹710,739||Kamlesh Gandhi||Individual||1,000||₹710.74|
|05 Nov 21||Buy₹762,201||Kamlesh Gandhi||Individual||1,000||₹762.20|
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
MAS Financial Services Limited's employee growth, exchange listings and data sources
- Name: MAS Financial Services Limited
- Ticker: 540749
- Exchange: BSE
- Founded: 1995
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: ₹40.248b
- Shares outstanding: 54.66m
- Website: https://www.mas.co.in
Number of Employees
- MAS Financial Services Limited
- 6, Narayan Chambers
- Ground Floor
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|540749||BSE (Mumbai Stock Exchange)||Yes||Equity Shares||IN||INR||Oct 2017|
|MASFIN||NSEI (National Stock Exchange of India)||Yes||Equity Shares||IN||INR||Oct 2017|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/10/01 00:00|
|End of Day Share Price||2022/09/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.