MAS Financial Services Limited

BSE:540749 Stock Report

Market Cap: ₹50.5b

MAS Financial Services Valuation

Is 540749 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 (₹278.5) is trading above our estimate of fair value (₹119.58)

Significantly Below Fair Value: 540749 is trading above our estimate of fair value.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for 540749?

Key metric: As 540749 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 540749. This is calculated by dividing 540749's market cap by their current earnings.
What is 540749's PE Ratio?
PE Ratio17.9x
Earnings₹2.81b
Market Cap₹50.46b

Price to Earnings Ratio vs Peers

How does 540749's PE Ratio compare to its peers?

The above table shows the PE ratio for 540749 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average20.1x
EQUITAS Equitas Holdings
16.2x44.7%₹41.1b
FEDFINA Fedbank Financial Services
13.1x33.8%₹35.0b
532900 Paisalo Digital
23.8x25.8%₹43.8b
SPANDANA Spandana Sphoorty Financial
27.5x84.8%₹26.2b
540749 MAS Financial Services
17.9xn/a₹50.5b

Price-To-Earnings vs Peers: 540749 is good value based on its Price-To-Earnings Ratio (17.9x) compared to the peer average (21.4x).


Price to Earnings Ratio vs Industry

How does 540749's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.7xn/aUS$28.23m
No more companies available in this PE range
540749 17.9xIndustry Avg. 22.5xNo. of Companies12PE01632486480+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 540749 is good value based on its Price-To-Earnings Ratio (17.9x) compared to the Indian Consumer Finance industry average (22.9x).


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.

540749 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio17.9x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 540749's Price-To-Earnings Fair Ratio for valuation analysis.


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 540749 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹278.50
₹361.50
+29.8%
7.4%₹401.00₹325.00n/a4
Nov ’25₹292.05
₹361.50
+23.8%
7.4%₹401.00₹325.00n/a4
Oct ’25₹288.20
₹343.33
+19.1%
5.0%₹360.00₹320.00n/a3
Sep ’25₹290.05
₹343.33
+18.4%
5.0%₹360.00₹320.00n/a3
Aug ’25₹292.30
₹343.33
+17.5%
5.0%₹360.00₹320.00n/a3
Jul ’25₹294.80
₹358.33
+21.6%
6.5%₹390.00₹335.00n/a3
Jun ’25₹289.60
₹358.33
+23.7%
6.5%₹390.00₹335.00n/a3
May ’25₹298.45
₹358.33
+20.1%
6.5%₹390.00₹335.00n/a3
Apr ’25₹294.30
₹375.78
+27.7%
2.9%₹386.67₹360.67n/a3
Mar ’25₹331.70
₹375.78
+13.3%
2.9%₹386.67₹360.67n/a3
Feb ’25₹329.22
₹383.33
+16.4%
0.9%₹386.67₹380.00n/a2
Jan ’25₹289.08
₹361.67
+25.1%
1.4%₹366.67₹356.67n/a2
Dec ’24₹277.77
₹361.67
+30.2%
1.4%₹366.67₹356.67n/a2
Nov ’24₹305.15
₹340.00
+11.4%
5.9%₹360.00₹320.00₹292.052
Oct ’24₹301.23
₹310.00
+2.9%
3.2%₹320.00₹300.00₹288.202
Sep ’24₹272.40
₹310.00
+13.8%
3.2%₹320.00₹300.00₹290.052
Aug ’24₹262.18
₹318.33
+21.4%
4.7%₹333.33₹303.33₹292.302
Jul ’24₹259.38
₹316.67
+22.1%
5.3%₹333.33₹300.00₹294.802
Jun ’24₹246.33
₹316.67
+28.6%
5.3%₹333.33₹300.00₹289.602
May ’24₹233.58
₹328.33
+40.6%
3.6%₹340.00₹316.67₹298.452
Apr ’24₹267.88
₹331.67
+23.8%
2.5%₹340.00₹323.33₹294.302
Mar ’24₹271.07
₹331.67
+22.4%
2.5%₹340.00₹323.33₹331.702
Feb ’24₹264.85
₹337.50
+27.4%
3.7%₹350.00₹325.00₹329.222
Jan ’24₹270.55
₹351.67
+30.0%
0.5%₹353.33₹350.00₹289.082
Dec ’23₹284.97
₹351.67
+23.4%
0.5%₹353.33₹350.00₹277.772
Nov ’23₹262.83
₹273.33
+4.0%
1.2%₹276.67₹270.00₹305.152

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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